vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I deposited a {$1900.00} check from XXXX XXXX into my Ally Bank account. The check cleared from XXXX XXXX immediately, but Ally flagged it as fraud and froze my funds. It has been over 14 days, and Ally has refused to provide a clear timeframe for when I will receive my money. XXXX XXXX has confirmed the check is valid and will not be returned, yet Ally is still holding my funds without justification. I have called Allys fraud department daily, but they refuse to provide a resolution. This money is for my rent, and the delay is causing financial hardship. I am requesting immediate action from the CFPB to resolve this issue and release my funds. 

In the pictures that Ive seen you will be able to see that last times I was able to deposit money into my account using XXXX it was XX/XX/XXXX. On the XXXX I began to call Ally bank to see if they could fix the issue of me not being able to log in to my online banking. Also Ive been unable to pay my XXXX car loan because I dont have the funds because of this hold. They been calling me and I havent been able to do much. The issue happened when I decided to use a check from my XXXX XXXX  account. I recently changed banks from XXXX XXXX to XXXX XXXX and all this happened once I tried using check instead of XXXX payment because XXXX XXXX business accounts do not allow XXXX deposits only check deposits to personal external accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following accounts do not belong to me and are appearing on my credit report without my authorization : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX ) - This is a collection account that I never opened, yet it appears on my report. 
It is negatively impacting my credit, and I demand its removal as it is not my debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ) - This account has been paid off, yet it still shows an outstanding balance. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX ) - I have never had any accounts with this lender, yet it is being reported on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ) - Late payments are incorrectly reported, despite my payment history being on time. I have provided proof of timely payments, but the issue has not been corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Phone : ( XXXX ) XXXX ) - The account was fully paid, yet the credit bureau continues to report an outstanding balance. 

There are hard inquiries on my report that I did not authorize, and they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Public Records A foreclosure is listed on my credit report, but I have never had a foreclosure in my name. 
A financial judgment appears on my credit report, yet I was never notified or involved in any legal proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Consumer Complaint Against XXXX and CAINE & WEINER COMPANY INC.

To Whom It May Concern, I am filing a formal complaint against Progressive and their debt collector, CAINE & WEINER COMPANY INC., for unfair and inaccurate debt reporting practices. 

On XX/XX/year>, I received an email from CAINE & WEINER COMPANY INC. regarding a supposed debt owed to Progressive. The debt collection notice was also mailed that same day, but I did not receive it until XX/XX/year>. Despite this, I made the payment directly to XXXX on XX/XX/year>. However, on that same day, CAINE & WEINER COMPANY INC. reported the debt to my credit file without allowing the required XXXX grace period for dispute or resolution. 

Additionally, I was completely unaware of any outstanding balance with XXXX, as I had canceled my insurance policy within XXXX hours of opening it and switched to another provider. At no point was I informed that a balance remained. This lack of notification and immediate negative reporting to my credit file constitutes a violation of fair debt collection practices and has caused unnecessary damage to my credit. 

I am requesting an immediate removal of this inaccurate and unfairly reported debt from my credit report. Failure to correct this issue may result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal consultation for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Please provide written confirmation that this account has been removed from my credit file. I expect a resolution within 30 days as required by consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally dispute the charge-off entry currently reported on my credit report for the account referenced above. As you are aware, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I believe that the charge-off entry on my credit report does not meet the legal requirements for accuracy and completeness. 

In accordance with 15 U.S.C. 1681g, I am requesting a full and complete disclosure of the information pertaining to this charge-off. Specifically, I am requesting the following information : The date the account was reported as a charge-off. 
The identity of the original creditor and any debt collectors or companies that may have reported this charge-off. 
The complete payment history, including any documentation that supports the reporting of the charge-off. 
Any legal or contractual documents pertaining to the charge-off that justify its inclusion in my credit file. 
Under the FCRA, all information on my credit report must be accurate, verifiable, and substantiated. If the reporting party can not provide sufficient documentation to support the charge-off or if they fail to adhere to the requirements outlined in the FCRA, the charge-off must be removed from my credit report immediately.

Please consider this letter a formal request for the immediate removal of this charge-off if the above information can not be provided. I also request that, per 15 U.S.C. 1681i, you thoroughly investigate the charge-off and verify the validity of this entry. If the reporting entity fails to verify or validate the charge-off within the statutory time frame, I demand its permanent removal from my credit report. 

I request that you complete your investigation and respond to me within the 30-day timeframe mandated by law. Should you fail to comply with this request, I will have no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities, as well as seek legal remedies available under the Fair Credit Reporting Act. 

For your convenience, I have enclosed a copy of my recent credit report with the disputed charge-off clearly highlighted. 

Please confirm receipt of this letter and update my credit report as soon as your investigation is complete. I expect nothing less than the removal of the charge-off, as the evidence and legal framework indicate it is unwarranted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Under FCRA and Violation of 15 U.S.C. 1681o Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically in reference to 15 U.S.C. 1681o regarding negligence and noncompliance. The disputed accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Opened : XX/XX/year>, Balance : {$2400.00} ) XXXX. XXXX XXXX XXXX ( Account Opened : XX/XX/year>, Balance : {$1400.00} ) XXXX. XXXX XXXX XXXX  ( Account Opened : XX/XX/year>, Balance : {$350.00} ) I believe these accounts contain inaccuracies and may be the result of reporting errors or unauthorized activity. I also believe that the reporting agencies and data furnishers have acted negligently in ensuring the accuracy of this information, as mandated by 15 U.S.C. 1681o. 

Under the FCRA, I am requesting : XXXX. An immediate investigation into these accounts. 
XXXX. Removal or correction of any inaccurate, incomplete, or unverifiable information. 
XXXX. Documentation supporting the accuracy of the reported information, including account validation. 

Please consider this my formal notification under 15 U.S.C. 1681i to conduct a reasonable investigation. I expect a response within the legally mandated XXXX period. 

Failure to comply with the FCRA, including 15 U.S.C. 1681o, may result in legal action to recover actual damages, costs, and attorney fees. 

I appreciate your prompt attention to this matter and expect a written response confirming the status of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Under FCRA and Violation of 15 U.S.C. 1681o Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically in reference to 15 U.S.C. 1681o regarding negligence and noncompliance. The disputed accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Opened : XX/XX/year>, Balance : {$2400.00} ) XXXX. XXXX XXXX XXXX ( Account Opened : XX/XX/year>, Balance : {$1400.00} ) XXXX. XXXX XXXX XXXX  ( Account Opened : XX/XX/year>, Balance : {$350.00} ) I believe these accounts contain inaccuracies and may be the result of reporting errors or unauthorized activity. I also believe that the reporting agencies and data furnishers have acted negligently in ensuring the accuracy of this information, as mandated by 15 U.S.C. 1681o. 

Under the FCRA, I am requesting : XXXX. An immediate investigation into these accounts. 
XXXX. Removal or correction of any inaccurate, incomplete, or unverifiable information. 
XXXX. Documentation supporting the accuracy of the reported information, including account validation. 

Please consider this my formal notification under 15 U.S.C. 1681i to conduct a reasonable investigation. I expect a response within the legally mandated XXXX period. 

Failure to comply with the FCRA, including 15 U.S.C. 1681o, may result in legal action to recover actual damages, costs, and attorney fees. 

I appreciate your prompt attention to this matter and expect a written response confirming the status of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, XXXX. # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
Attempt to collect debt which is not owed and continues to sell information to third parties which is not truly owed Fair Debt Collection Practices Act ( FDCPA ) : This U.S. federal law prohibits debt collectors from engaging in abusive or deceptive practices. It also requires collectors to inform consumers when a debt is time-barred if they attempt to sue or take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding unauthorized transactions made on my account with USAA Federal Savings Bank. These transactions were conducted without my knowledge or consent. I promptly reported them to USAA, but despite their investigation, they concluded the transactions were not fraudulent, citing a lack of sufficient proof that I was not involved. As a result, I am being told that I must handle this matter on my own to seek resolution. 

I am also a XXXX XXXX XXXX XXXX XXXXXXXX, and this situation is causing significant stress and financial hardship as well as an investigation at work that stops me from attaining any favorable actions. I have always maintained my account responsibly and can not comprehend how my account was used as a funnel for these transactions. 

The disputed transactions are as follows : XX/XX/year> : {$1000.00} | USAA Federal Savings Bank XX/XX/year> : {$2000.00} | USAA Federal Savings Bank XX/XX/year> : {$9500.00} | XXXX XXXX XXXX XXXXXX/XX/year> : {$2000.00} | USAA Federal Savings Bank XX/XX/year> XXXX {$4500.00} | XXXXXXXX XXXX Cash Advance XX/XX/year> : {$2500.00} | USAA Federal Savings Bank XX/XX/year> XXXX {$2500.00} | XXXX XXXX XXXXXXXX XXXX I do not understand how my account was used as a funnel for these transactions. USAAs refusal to take further action has left me in a vulnerable and difficult position. I am seeking the CFPBs assistance in addressing this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this issue. I am available to provide any additional information needed to support this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am being accused of owing XXXX XXXX {$2300.00}. The debt was collected by Radius global solutions LLC, offering to settle for {$1100.00}. The reference number given was XXXX XXXX. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). Please provide proof of this debt validity, including original contract, itemized statement, and proof of ownership by your agency. Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. I request that this item be investigated and either corrected or removed from my credit file. If the inaccurate information is not corrected, I may consider pursuing further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. This is what I sent to them. However, to no avail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation