vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of EQUIFAX to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), EQUIFAX has claimed that the disputed accounts have been " verified. '' The following fraudulent account remain on my credit report, which I have previously identified as resulting from identity theft : 1. 1. XXXX XXXX  : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau Name ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that this account are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Former : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX Fraud was reported on the card in XXXX. They closed the account. Would not let me pay anything towards the account. It has been in charge off status since XXXX  They say the balance is {$7300.00} They say they will not except payment or remove from my credit report. I am getting no resolution from this company. I have made several attempts to get it removed from my credit, but they refuse to help me in any way. I believe this is against my rights as a consumer and it should be removed from all credit reporting agencies.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sierra Collections and Consulting LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX ACCT : XXXX AMOUNT : {$2500.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Back in XX/XX/year> a claim was refilled through XX/XX/XXXX in my behalf because I was scammed out of {$1500.00} out of my account with XX/XX/XXXXXXXX ending in XXXX. Both me and my bank have reached out to PNC asking for an investigation. The transfer was sent from my account on XX/XX/XXXX and I am both the sender and the recipient.XX/XX/XXXXXXXX requested a Hold Harmless Form and PNC still has not responded. I need to know why people are allowed to have this funds? I sent this money under my name for me to be the recipient. Why or how did anyone else have authorization to this funds with PNC? Is someone using my name to open fraudulent accounts at PNC and still my funds or even other peoples funds? PNC is taking no responsibility and is not facilitating the investigation. Now I am afraid that I been a victim of identity theft and my information is being used with PNC bank and no one wants to give explanations or make themselves accountable for what has happened. When I spoke to XXXX XXXX I have her the wire transfer chip sequence # and also the case number XX/XX/XXXXXXXX provided. I also told her the wire transfer took place on XX/XX/XXXX and gave her the last numbers of myXX/XX/XXXXXXXX account XXXX to assist in the investigation. I also told her that PNC was not responding to my bank and I was just given the run around. I can provide any information needed in order to expedite the research of this and to find a resolution but PNC has ignored us. I need to know if PNC has any accounts under my name and information. So at least help me with that. No one should have access to funds that are sent under myself as a recipient. So please explain!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: DE

Complaint narrative:
Company wrote off debt w governmentSec.gov. Form XXXX was submitted on my behalf to remove from my creditCompany already received a credit for outstanding debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed.

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage.

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences.

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies.

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I contacted Penfed credit union on both XXXX and XXXX to remove incorrect information from my report showing that my accounts were in collectoins/chargeoff. They assigned the following case # XXXX and never returned my calls or Emails. 
These accounts were included in a XXXX  XXXX Bankruptcy that I filled in XX/XX/year>. 
I have disputed these also with all three-credit bureaus. Each time they still come back with the same incorrect information showing collection's/chargeoff. 

In closing, could you please help to have this incorrect information corrected. 
Thank you for your time and trouble. 













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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 2025-03-05 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: PA

Complaint narrative:
i am a victim of the recent, data breach please remove and block these accounts due to the recent data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX continuation of the above complaint, it states still open but received a response stating that it was verified by the company and states that company stated it was resolved. this has not been resolved. by anyone, also requested documentation and procedure of complaint with who and what was used to make the determination. Also requested double accounting entry documentation on the account of all transactions done to this account and have not received anything they just sent a respond with no documentation, no method and just took the word of the company that is refusing to supply the information.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I requested my credit report on XX/XX/year>. And Experian responded with a message stating that a condition exists that prevents Experian from being able to accept your request at this time.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting an alleged debt on my XXXX and XXXX credit reports without properly validating the information. I previously disputed this account with XXXX and XXXX in XX/XX/year>, and instead of receiving proper verification, the account was illegally updated and verified as accurate without any proof. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of this debt before any further collection or reporting activity. 

Violations by LVNV Funding LLC & CRAs ( XXXX & XXXX ) : FDCPA 15 U.S.C. 1692g ( b ) : LVNV Funding must provide full debt validation if a consumer disputes the debt. Since I disputed with the CRAs in XX/XX/year> and received no validation, they are in violation. 
FCRA 15 U.S.C. 1681s-2 ( b ) : If a debt is disputed, furnishers must conduct a reasonable investigation before verifying it. LVNV Funding has failed to provide any verification. 
FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) : LVNV Funding is responsible for ensuring accurate reporting, but the DOFD, payment history, and balances are inconsistent across bureaus. 
Cease & Desist Request : I am formally requesting that LVNV Funding LLC : Cease and desist from collecting on this debt until they have provided full validation. 
Stop reporting this debt to my credit bureaus unless they can provide full proof of the alleged debt. 
Reflect this dispute on my credit report immediately, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: KEYCORP
State: PA

Complaint narrative:
I applied for forbearance for financial hardship. I was approved for 3 months, but only not charged for 2 months. I tried several times to dispute the third month of forbearance being autobilled and got the runaround. Several months later I tried to apply for forbearance and was denied based on reason I haven't had 12 months of consecutive payments. After 12 months of consecutive payments I applied again. I spoke at length with agent who told me medical bills over {$500.00} will help prove financial hardship, and providing something to show loss of income. I sent recent medical bills over {$500.00} in last 2 mths, unemployment benefits discontinuation letter, and explained I am waiting on insurance credentialing to start working in my new position. XXXX denied forbearance again. I called to get an explanation, and got the run around once again. They did tell me I have 7 months of forbearance allowed on my loan, but thus far I have only used XXXX mths.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
Experian has failed to fulfill its Legal obligation under the fair Credit 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 filled 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 of dispute outcomes. These failures align with my experience, where Experian has Neither corrected nor removed this disputed 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.Remove all acoo

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 2025-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XXXX I was late on my car note payment. I have a 95 % payment on time. Never been after in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: OH

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

Company 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX XXXX, YOU called me again today XX/XX/year> at XXXX, despite you receiving my previous complaint on XX/XX/year> 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company identified themselves as a debt collection company via email, and is emailing me multiple times a week. Company is using a robocaller to call me at my work, on a work cellphone, 2-3 times, every single day. I have kept complete records of the number and frequency of this company 's daily robocaller calls to my work 's cellphone. I have emailed them multiple times to let them know that I do not have service with the company they are trying to collect a debt for. I have also emailed them to let them know that their continued actions are a violation of the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act, yet their emails and robocaller calls to my work 's cellphone continue to this day.

Company response to consumer: Closed with non-monetary relief