vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
On the day of XX/XX/year>, a deputy sheriff by the name of XXXX came to my home to serve me with a civil warrant. My family member told me that I had been sued by XXXX XXXX XXXX attorney for Credit Bureau USA for an old credit card debt that was very over the statute of limitations. I was told that if i didnt respond to the warrant that I would be arrested and taken to jail. 
They frightened and threatened me and my financial well being not to mention the mental anguish and stress i and my family experienced over a debt that I was no longer financially liable for. Over a {$2600.00} debt that was charged off! This is not acceptable and i want the company and the attorney who practiced scare tatics, threats and fear mongering to try to get me to repay the debt held responsible! 
The debt must have sold to another debt collection agency and was sued and my wages garnished for double the amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been outside the country since XX/XX/year>. Upon my return, I discovered that my Bank of America account, which had previously held my XXXX XXXX XXXX  ( XXXX ) compensation, was empty. I initiated disputes concerning several transactions ; however, my claims were denied despite the substantial evidence and documentation I provided. This constitutes my second formal complaint regarding this matter. Furthermore, I contacted the news outlet " XXXX XXXX XXXX XXXX, '' which subsequently provided documentation indicating that Bank of America denied my claims. My initial dispute with Bank of America was for {$17000.00} ; however, upon reviewing my statements with my attorney, I have been advised that the total amount stolen is actually {$32000.00}.

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 2025-03-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Experian Customer Service I am writing to follow up on my previous correspondence regarding my XXXX XXXX account ending in XXXX, account number XXXX. On XX/XX/XXXX, I wrote to you requesting an investigation into this account, but I did not receive a response. Subsequently, on XX/XX/XXXX, I submitted another letter requesting further investigation. On XX/XX/XXXX, I received a response indicating that the account had been updated and verified. I will attach a copy of that letter for your reference. Additionally, on XX/XX/XXXX, I reached out directly to XXXX XXXX to request specific information regarding this account, including the first date of delinquency, the date of last activity, and the date of charge-off. XXXX XXXX responded on XX/XX/XXXX, providing the requested details, which I will also attach for your records. According to their response, the account was charged off on XX/XX/XXXX, and the first date of delinquency was XX/XX/XXXX. However, I have noticed discrepancies in the reporting of this account on my Experian credit report. Specifically, Experian is reporting this account as being paid on time for both the charge-off date and the first delinquent date, which does not align with the information provided by XXXX XXXX XXXX Additionally, the account is marked as charged off but is still reporting a past due balance. If Experian conducted a thorough investigation and verified this account with XXXX XXXX, I must question how these inconsistencies were overlooked. I have kept a meticulous record of all correspondence regarding this matter. If this issue is not addressed promptly, I will have no choice but to consider legal action to ensure my rights are protected. I appreciate your immediate attention to this matter and look forward to your prompt response. Thank you for your assistance. Sincerely, XXXX XXXX

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 2025-03-08 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: TX

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I came across this CFPB website and I believe I was affected by the outcome I have tried many many years to get things that weren't mine deleted off my account I have requested them to send me proof of how they verified these collections and they have not yet provided those information to me therefore my credit has been impacted my life has been turned XXXX down stopping me from living a normal life due to inaccurately on my credit report I'm asking that all of my credit reports off of XXXX XXXX and XXXX the investigated looked at my credit be restored thank you

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I came across this CFPB website and I believe I was affected by the outcome I have tried many many years to get things that weren't mine deleted off my account I have requested them to send me proof of how they verified these collections and they have not yet provided those information to me therefore my credit has been impacted my life has been turned XXXX down stopping me from living a normal life due to inaccurately on my credit report I'm asking that all of my credit reports off of XXXX XXXX and XXXX the investigated looked at my credit be restored thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. The id used to open the account is not mines and the address used is in my credit profile. In my last complaint XXXX lied and said that it was not on my credit profile yet it is listed as a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am trying to retrieve my credit report and credit score from Experian, Equifax and Transunion, however its keeps coming back as blank and I have called Experian and Transunion multiple times to fix this issue and its still not fixed

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am formally filing a complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates credit reporting agencies to investigate and correct inaccurate information upon consumer request.

Despite multiple disputes and sufficient documentation, Experian has failed to update and remove inaccurate personal information from my credit file, specifically outdated and incorrect addresses that do not belong to me. This ongoing negligence is impeding my ability
to manage my financial affairs and may constitute willful noncompliance with federal law. 

My correct and legally verifiable personal information is as follows : Full Name : XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Employer : XXXX XXXX Phone : XXXX Experians continued reporting of false addresses creates undue hardship and potential harm to my creditworthiness. Under the FCRA, Experian has an obligation to ensure maximum possible accuracy in the reporting of consumer information. By failing to update my file accordingly, Experian is in violation of my consumer rights. 

I am demanding an immediate reinvestigation and correction of my personal information. If this issue is not resolved promptly, I am prepared to escalate my complaint further, including potential legal action to enforce my rights under federal law. 

I expect written confirmation of these corrections within the legally required timeframe. Please address this matter with urgency. 

Sincerely, XXXX XXXX

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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute information on my credit report regarding accounts reported XXXX XXXX  XXXX ACCOUNT NUMBER XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccuracies or incomplete information appearing on my credit report, and I am requesting an immediate investigation into these accounts. Under 15 U.S.C. 1681 of the FCRA, I request that these inaccuracies be investigated, and if the data can not be verified or corrected within 30 days of receiving this dispute, the information must be removed from my credit report. Section 15 U.S.C. 1666 ( b ) Additionally, under 15 U.S.C. 1666 ( b ), I also request that any incorrect payment information or reporting practices that violate this statute be thoroughly reviewed and rectified, particularly with regard to any credit report entries that are based on billing errors or inaccurate reporting practices. I have enclosed a copy of my credit report with the disputed accounts highlighted, along with any supporting documents I have regarding these accounts. Please conduct a thorough investigation, and if you can not substantiate the information, I request that these accounts be immediately removed from my credit history. Please confirm receipt of this dispute and notify me of the results of your investigation within 30 days as required by law. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX

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 2025-03-08 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: MN

Complaint narrative:
My XXXX account are saying that I have XXXX missed payments and that must be a mistake I paid those accounts on time. Can you show me proof if not can you make the XXXX negative payments positive.

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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I came across this CFPB website and I believe I was affected by the outcome I have tried many many years to get things that weren't mine deleted off my account I have requested them to send me proof of how they verified these collections and they have not yet provided those information to me therefore my credit has been impacted my life has been turned XXXX down stopping me from living a normal life due to inaccurately on my credit report I'm asking that all of my credit reports off of XXXX XXXX and XXXX the investigated looked at my credit be restored thank you

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 2025-03-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
15 USC 1692CC if a consumer notified a collector he or she have to provided the right documentation signed by the collector showing proof this account belongs to him or her. After the conversation the consumer have before 30 days to respond with the right documentation if not then the account is terminated and removed from the debtor credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX, a debt collection agency, is trying to get me to pay the {$160.00} I paid to Affirm through a different XXXX  party collector called XXXX. I called the debt collection agency advising I had already paid the {$160.00} and even sent the copy of my resolution with Affirm from my complaint with the CFPB. However XXXX has ignored this and my receipt from XXXX advising that I do not owe Affirm for the account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit this is fraudulent. 

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

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