vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt.

2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account.

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt.

2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account.

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Kind Regards, 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: CA

Complaint narrative:
I entered into and Agreement in XXXX, 2019 with XXXX XXXX XXXX for a loan amount of {$31000.00} against my home. The understanding was that and when I chose to sell my home I was responsible for repayment at time of escrow. It is now XXXX XXXX years later and they own ALL the equity in my home. It was appraised for {$370000.00} and the estimated sale price would be approximately {$520000.00}. They would receive over {$160000.00} for a {$31000.00} loan. I no longer own the equity in my home. The only caveat is that I owned my home outright when I borrowed the money so I do not have a mortgage to consider, however, at XXXX XXXX XXXX I will never be able to sell my home with any hope of an equal return on my original investment. I have had XXXX lawyers read the document and they have both said it is predatory, confusing and reads exactly like a reverse mortgage without the typical reverse mortgage language and that is how they are confusing and gaslighting people. If I were to pay it off, it would cost me over {$80000.00} due to the 33.75 % interest rate which s far above a traditional home equity loan. I would be happy to pay it off if there was a way to renegotiate but there isnt. In addition, Unison Home has several class action lawsuits pending against them in the XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. 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 explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) Hard Inquieres : XXXX XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
I placed a online order threw XXXX XXXX on XX/XX/year> of {$920.00} Loan was transferred to Monterey Financial Services LLC. 
The Transaction was cancelled and i Never received any merchandise. no refund has been processed. I've contacted all parties involved to which has gotten no where and I'm still being charged out of my Bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
How much did the collection company paid for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation The FCRA as this is not accurate or complete. this is a violation there is no information about anything.,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX De XXXX This will be my second request in attempting to get validation of the debts listed below. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I formally request validation of this alleged debt. 

XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX Please provide the following information : Proof of Debt A signed agreement or contract establishing my liability for the alleged debt. 
A full accounting of the alleged debt, including the original balance, all fees, interest, and any payments made. 
Name and address of the original creditor. 
Documentation showing that your agency has the legal right to collect this debt. 
Verification of Accurcy A copy of any judgments, promissory notes, or other legally binding documents. 
Any evidence of my agreement to the alleged debt and my liability under state and federal laws. 
Documentation proving that the statute of limitations for this alleged debt has not expired. 
Fair Credit Reporting Act ( FCRA ) Compliance If this debt has been reported to any credit bureaus, provide the name of the bureau ( s ) and the date of reporting.

Proof that your agency has followed all credit reporting guidelines under 15 U.S.C. 1681s-2.

Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection activities until you provide the requested validation. If you fail to provide adequate verification, I request that you immediately remove any negative information related to this alleged debt from my credit reports and cease further collection efforts. 
Please provide the requested information within 30 days of receiving this letter. Any further attempts to collect this debt without proper validation will be considered a violation of my consumer rights, and I will take appropriate legal action. 
Please direct all future correspondence to me in writing at the address provided above.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of the morning of XX/XX/year>, around XXXX XXXX my personal cell phone was hacked through XXXX. After that, I lost access to all my email accounts. 
Immediately, I started receiving multiple text messages and emails notifying me that someone was attempting to gain access to my emails, bank accounts, and other sites. I also received multiple messages saying that someone was trying to send money out through my accounts and charges on my credit cards.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I went into Chase in XXXX XXXX on XX/XX/year> around XXXX to make a cash deposit into my friend account. However, the bank will not allow a cash deposit because it is cash. Keep asking the teller why the transaction cant take place and she stated because it is cash. She then proceed to tell me to deposit it into my account first then transfer it into her bank account. Since when does bank start to refuse a cash deposit or refuse cash? If bank stop taking cash deposit because cash reflect an immediate credit, is this how the bank can claim and charge overdraft fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
My address is reported to my credit report multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AZ

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me.

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 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I contacted comenity bank about the over XXXX in fees they charged on a XXXX balance. They are charging interest on late fees. The account balance has been paid.My payments were made on the due date except for a few payments. I have not received statements from the company and have contacted them to be told that the error would be corrected when it hasn't. The company also never refunded interest charged on disputed amount with XXXX faulty merchandise. They have only credited the amount charged. Thr disputes took almost a year so there was a lot of interest charged on those purchases that I have yet to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-11 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: MI

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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