vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I keep getting hangup calls from this number when my voicemail picks up. Finally one day I answered and they asked for XXXX XXXX. I told them my name was XXXX, not XXXX and asked what it was about. They said personal financial information. I have had this phone number since 1999 and I do not know anyone named XXXX. Suddenly I got a notice that my credit score went down yet I am not in debt to anyone to my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Ive tried to correct this multiple times I am up to date with my car loan I was granted a natural disaster assistance however it is showing on my report that I am delinquent for XXXX and XXXX when I was on time and current

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Conduent Incorporated
State: SC

Complaint narrative:
i called the XXXX XXXX ON XX/XX/XXXX ABOUT THE ISSUE OF XXXX ON XX/XX/XXXX WHICH TURNED INTO XXXX ON XX/XX/XXXX. THEY STATED THAT IT WAS SOMETHING THAT WAS FROM A MERCHANT. I HAVE NEVER SEEN THIS BEFORE. I PULLED ALL MY STATEMENTS OF PURCHASES SINCE XX/XX/XXXX. THIS IS A XXXX XXXX CARD AND IT WAS NEW SO I ONLY HAD A FEW ON THERE. 
IT HAS NOT BEEN FIXED. I XXXX  THIS AND IT SEEMS TO BE A ISSUE WITH ALOT OF PEOPLE WITH THIS CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 XXXXXXXX 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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WY

Complaint narrative:
I canceled the credit cards months ago yet they continued to charge maintenance fees and annual fees. I called several times and emailed my complaint because I don't think that's legal. I believe I first called in XXXX of XXXX because I noticed the maintenance fees was still being charged even though I closed the card. They were basically like there's nothing we can do. Then in XXXX of XXXX, I was charged an annual fee. I called again and was rebuffed. I emailed them on XX/XX/XXXX to say that I was pretty sure what they were doing, continuing to assess fees, was illegal. They're predatory and not helpful. At one point, they also offered a credit increase, and only after I accepted did I see they charged me a fee to increase my credit limit. I wouldn't have done that had I known there was a fee. That was partially why I canceled the cards because I realized they were predatory and not acting in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinme Holdings, Inc.
State: CA

Complaint narrative:
I am complaining about XXXX and the fraud they have perpetrated against me. They absolutely WON'T let me back inside my account to access my XXXX tokens. I have bought their coins through the XXXX Kiosk at the XXXX 's in XXXX, California on XXXX XXXX XXXX. XXXX/CoinMe is fraudulent. First off, a few days after purchasing the receipts to redeem tokens from their Kiosk, the ink starts to fade away. They make it this way so buyers can't redeem their XXXX tokens and they, XXXX XXXX can keep it all for themselves. 

I have tried SO MANY times to get back into my CoinMe account and gain access to my tokens for like XXXX weeks now, and there's not XXXX way I can get inside. They have rigged it so I can not access my tokens. I have written to their official email address -- no response whatsoever, and this was like a week ago. I have tried contacting them on their website, however, I am steered to an " automated assistant, '' which is of no help at all. When I write in to the automated assistant that I need to talk to a human agent, automated assistant invariably says okay, and then asks me what my problem is so they can relay it to an agent. Problem is, after I click the problem most applicable to me ( or any problem ), they NEVER relay it to an agent. They steer me to a " help page. '' I have tried to contact CoinMe on their official XXXX page, and a representative said they'd send an email to me from support to " help, '' which they never did. XXXX or XXXX days later the email still HASN'T ARRIVED. They are stringing me along, stonewalling me, this is fraud, simply put. I can't even change my password to gain access to my account and CoinMe 's representative 's AVOID my messages. 

The CEO of the company 's name is XXXX XXXX. He can be emailed here : XXXX According to this link they have XXXX employees working for them, and they can not help me access my XXXX? Of course, even if they have XXXX employees, it's wrong and illegal to steal someone's XXXX and keep stonewalling their requests to access their funds! Who even knows if my money is still in that account? They could have swooped in and raided it already. 

https : XXXX Their address is : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GU

Complaint narrative:
To Whom It May Concern, I am formally disputing the continued reporting of two XXXX  XXXX credit card accounts on my credit report due to the lack of substantial and clear evidence provided regarding the accounts closure. 

XXXX XXXX has failed to provide any concrete reasoning for the closure of both accounts beyond vague references to adverse past or present legal action and a statement that their decision was based on business concerns that did not relate to my creditworthiness. These explanations are insufficient and fail to meet the legal standards of disclosure under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that a consumer reporting agency must conduct a reasonable investigation and provide adequate documentation to substantiate any adverse action.

As per the doctrine of estoppel by silence, as discussed in Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. 1926 ), XXXX XXXX  failure to adequately explain and provide proof of the reasons behind the closure leaves me with no other option than to request the immediate removal of both accounts from my credit report. 

Please conduct a thorough investigation and provide a written confirmation of the results.

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 2025-04-17 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: GU

Complaint narrative:
To Whom It May Concern, I am formally disputing the continued reporting of two XXXX  XXXX credit card accounts on my credit report due to the lack of substantial and clear evidence provided regarding the accounts closure. 

XXXX XXXX has failed to provide any concrete reasoning for the closure of both accounts beyond vague references to adverse past or present legal action and a statement that their decision was based on business concerns that did not relate to my creditworthiness. These explanations are insufficient and fail to meet the legal standards of disclosure under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that a consumer reporting agency must conduct a reasonable investigation and provide adequate documentation to substantiate any adverse action. 

As per the doctrine of estoppel by silence, as discussed in Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. 1926 ), XXXX XXXX  failure to adequately explain and provide proof of the reasons behind the closure leaves me with no other option than to request the immediate removal of both accounts from my credit report. 

Please conduct a thorough investigation and provide a written confirmation of the results.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
To Whom It May Concern, I am formally disputing the continued reporting of two XXXX  XXXX credit card accounts on my credit report due to the lack of substantial and clear evidence provided regarding the accounts closure. 

XXXX XXXX has failed to provide any concrete reasoning for the closure of both accounts beyond vague references to adverse past or present legal action and a statement that their decision was based on business concerns that did not relate to my creditworthiness. These explanations are insufficient and fail to meet the legal standards of disclosure under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that a consumer reporting agency must conduct a reasonable investigation and provide adequate documentation to substantiate any adverse action. 

As per the doctrine of estoppel by silence, as discussed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  failure to adequately explain and provide proof of the reasons behind the closure leaves me with no other option than to request the immediate removal of both accounts from my credit report. 

Please conduct a thorough investigation and provide a written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
Debt collection on my credit report. 
Did not receive collection notice or right to dispute. 
After researching this collection agency using XXXX XXXX XXXX - Credit Collection Services is not licensed to collect debt in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I declare under penalty of perjury that the following accounts were not opened or authorized by me. I did not sign any agreement, contract, or give permission for these accounts to be established. These items may be the result of identity theft. As a consumer, I have the legal right under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal protections to dispute and request the deletion of unverifiable or inaccurate accounts.

Additionally, under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 SW 715 ), failure to provide proof of these debts constitutes grounds for removal. 

Disputed Accounts to Be Deleted Immediately : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting false bankruptcy info courts do not furnish data. 

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 XXXX XXXX XXXX XXXX XXXX XXXX  No evidence provided per FDCPA ( 15 USC 1692 ( g ) ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No permissible purpose under 15 USC 1681b identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No permissible purpose no written consent given. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer protected by law, I respectfully demand the immediate deletion of these 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 explanation
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX : acct # : 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 2025-04-17 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-17 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: MI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: LA

Complaint narrative:
Yesterday I received a direct deposit from my job as I have for the last 4 yrs. But when I attempted to go online to move my money around, I received a message that my account was restricted and I needed to call to have it released. I have been calling since yesterday and have been on hold for a total of 5 hrs listening to hold music with no one answering. I have emailed customer service and the president requesting a call back since I am not able to get anyone to answer when I call. I still have not received a call back and my bills are due. Please help me get my money! Below is a copy of my original email and reply. I have sent multiple emails since then.

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