vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Acts, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.

Additionally, I am allowed under the HIPAA law, to protect my privacy and medical records from third parties. I do not recall giving permission for any medical facility to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPAA Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after written request. I request full documentation of what you received from the provider of service in connection with the alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected sought damages will be sought after. 

All accounts in dispute listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On behalf of XXXX XXXX XXXX XXXX AND BY ORDER OF XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, a nonprofit franchise entity in good standing, I submit this urgent complaint regarding Truist Bank 's unlawful, discriminatory, and commercially destructive closure of twenty ( 20 ) lawfully established Simple Business Checking accounts at its XXXX XXXX ( XXXXXXXX XXXX ), managed by XXXX XXXX XXXX. 

Our accounts were opened between XX/XX/year> and XX/XX/year> for the purposes of managing billing, accounts receivable, and general operations for our nonprofit franchise and its sub-agencies. 
On XX/XX/scrub>XXXX  without prior notice, due process, lawful justification, or compliance with federal regulations, Truist Bank closed all twenty ( 20 ) accounts, causing immediate and irreparable harm including : An estimated {>= $1,000,000} in lost sales revenue, Doubling of delay in accounts receivable processing, and Severe reputational and operational damage. 
Truist Bank 's actions violate multiple federal banking and civil rights laws, including but not limited to : Law/Regulation Violation 12 U.S.C. 1811 et seq. ( Federal Deposit Insurance Act ) Failure to ensure access to insured funds ; breach of fiduciary duty.

12 U.S.C. 5531 ( Dodd-Frank Act / UDAAP ) Engaging in unfair, deceptive, and abusive acts without lawful cause. 
15 U.S.C. 1691 et seq. ( Equal Credit Opportunity Act - ECOA ) Discriminatory and arbitrary adverse action without notice or legal basis.

12 CFR 1002.9 ( Regulation B ) Failure to provide required adverse action notices.

12 CFR 328.1 et seq. Misrepresentation of the security of customer deposits.

15 U.S.C. 6801-6809 ( Gramm-Leach-Bliley Act ) Mishandling and misrepresentation of customer information. 
Additionally, Truist failed to comply with the fundamental banking standards of transparency, non-discrimination, and fiduciary duty under common law principles and UCC ( Uniform Commercial Code ) Article 4, governing bank deposits and collections. 
________________________________________

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> I woke up with my my account close on my Navy Federal app. The app stated I need to call or go inside a brunch. I called the one XXXX customer service number. They told me that the account is restricted. They dont know why and they have to contact the security team. They told me that my account is permanently restricted I requested for a reason why in an explanation they said they could provide that for me due to privacy.they they told me to go inside a branch which I did on that day provide them two forms of ID and they still couldnt provide me my information. I had to withdraw my money out of my account to pay my bills and fill out a form to request a appeal. Due to all the data breach Ive received for the past few years. Im not sure if my account has been hacked or my information has been leaked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I ordered furniture from XXXX XXXX. No furniture was delivered. I cancelled the furniture order within 3 days and requested a credit to put back on my credit card that XXXX XXXX had charged. No credit was returned to my Citi Credit Card. 

I disputed the charge with Citi Cards and a couple week later they finally credit my account for the {$5000.00}. Then Citi Cards allowed XXXX XXXX to charge another {$5000.00} to my account after the credit had been give. Still no furniture or no order. Citi Card should not have allowed the {$5000.00} charge.

I disputed this again and Citi Card still shows that I owe the {$5000.00}. I'm XXXX XXXX XXXX and feel like Citi Card and XXXX XXXX are taking advantage of me because of my age.

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 monetary relief
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint for Unauthorized Inquiries and Accounts Request to Block Inaccurate Information under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and unauthorized accounts and inquiries that are negatively affecting my FICO credit score. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting immediate investigation and removal ( blocking ) of the fraudulent or unauthorized information from my credit reports. 

The following unauthorized accounts and inquiries appear on my credit report : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-28 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: IL

Complaint narrative:
Ive been dealing with this same XXXX issue with Transunion for months. I am starting to get frustrated and annoyed because I feel like my rights as a consumer are being played with me. How is it within my rights to be able to challenge anything that I feel is inaccurate but every time I send a letter I get the same response back? 
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

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 2025-04-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with XXXX XXXX XXXXXXXX ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MRS BPO, LLC
State: TX

Complaint narrative:
A dispute was submitted last month to the credit bureaus regarding the account MRS BPO LLC XXXX  which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. MRS BPO LLC is currently reporting XXXX as the original creditor ; however, I have never held an account with this company. This account was included in my prior dispute, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the XXXX Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX 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 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 2025-04-28 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-28 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavalry Portfolio ser XXXX CT XXXX ( XXXX ) XXXX And XXXX XXXX XXXX XXXX, MI. XXXX ( XXXX ) XXXX The above XXXX reference collection ompanys have not provided any documentation or proof of this alleged debit. 
Please delete of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-28 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: NV

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-28 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: WI

Complaint narrative:
My personal information was compromised and after filing complaints with Equifax and Transunion, they are constantly saying that they can not locate my credit profile. I've given them everything they need to verify my identity. I went ahead and disputed these same accounts with XXXX and they removed the accounts. I am requesting that you all XXXX bureaus also remove these accounts from my file. 

XXXX ACCT # : XXXX, Bal- {$7400.00}, Opened : XX/XX/XXXX XXXX XXXX ACCT # : XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$1300.00}, opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I paid a collection to prevent damage to my credit report. I was assured by a XXXX on recorded line that the debt would be recalled by XXXX  once paid within XXXX days and removed from my credit report. 

Since then, it has been updated and they are refusing to remove it. When I call the company, I get transferred to the same guy and XXXX and they refuse to tell me the name of the department and he told me to call XXXX despite the fact that Radius is the company on my report. Then he puts me on hold, and comes back and pretends he can not hear me as a stall tactic. I have all the recordings of the calls.

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 2025-04-28 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: NY

Complaint narrative:
I would like these inquires to be remove from my credit report so my credit report can report accurately INQURIES XXXX XXXX XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a XXXX 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my 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 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have filed a complaint with the CFPB against Synchrony Credit card, recently paid my XXXX XXXX credit card in full on the Due date, and on the new bill was surprised with a balance due for interest accrued. they would not remove it and reduced my credit line. In all paid the unnecessary fees and CLOSED my account.

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 2025-04-28 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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