vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am sending this letter to you in response to a notice I received from you. 
Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your o " ice provide me with the competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement If your o " ices have reported invalid information to any of the three major Credit Bureaus ( XXXX, XXXX  or XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b"Dear Consumer Financial Protection Bureau,\n\n\nI am filing this complaint against Equifax Information Services LLC due to a grossly inaccurate reporting incident that has caused severe and ongoing hardship in my life.\n\nFor no reason whatsoever, Equifax incorrectly reported two of my long-standing XXXX XXXX credit card accounts and only credit cards (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), which I have held for XXXX  and XXXX  years, respectively, as fraudulent. This misinformation was subsequently relayed to XXXX XXXX, leading XXXX XXXX to an immediate restriction and potential closure of these accounts. As a result, I have been unable to use my two only credit cards (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), make payments, or manage my financial obligations, causing significant distress and disruption.\n\nI have attached proof of my identity, proof of my address, proof of my ownership of these accounts(XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), copies of these two credit cards affected by Equifaxs erroneous reporting, and further proof that could not be stronger. Despite providing this comprehensive evidence, Equifax has been unresponsive and negligent, leaving me with no resolutionXXXXThe lack of competence and accountability on Equifaxs part has severely impacted my financial stability, personal well-being, and my entire life since XXXX XXXX, when XXXX XXXX restricted these two accounts. I cannot do more to prove my case.  This is complete negligence on Equifaxs part, which has caused me tremendous harm.XXXX  urge the CFPB to intervene and hold Equifax accountable for its erroneous reporting and the subsequent damages it has caused. I expect confirmation of the correction by Equifax and a formal statement to XXXX XXXX acknowledging the mistake on Equifax's part, I seek immediate correction of the inaccuracies, restoration of my accounts, and accountability for the undue hardship inflicted upon me by Equifax's erroneous flagging of these two accounts (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) as fraudulent.XXXXThank you for your attention to this matter. I look forward to your prompt and decisive actionXXXXSincerelyXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Tried closing my account for weeks and was told I had to wait 30 days. Upon request, they did not close my account after days and weeks of contacting. I want my account closed which is paid in full and nothing is owed but I keep getting that the account is still active after waiting weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am submitting this complaint under my rights as a documented victim of trafficking as defined by the Fair Credit Reporting Act and 12 C.F.R. 1022.142. Adverse credit information was reported across multiple accounts as a direct result of trafficking, coercion and fraud associated with my victimization. 

In accordance with the law, I submitted formal disputes to the credit bureaus requesting the removal or blocking of those items. These requests were supported by documentation, including reports filed with : Federal Trade Commission ( FTC ) Internet Crime Complaint Center ( IC3 ) National XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Attorney General The adverse items affect both Experian and XXXX  and include accounts totaling hundreds of thousands of dollars in damage. The accounts were opened or fell into default during the period of my exploitation. 

This complaint is submitted to ensure compliance with the FCRA 's trafficking protections and to request assistance in ensuring the affected credit bureaus fully honor the legal obligations outlined in 12 C.F.R. 1022.142.

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 2025-05-02 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: LA

Complaint narrative:
I recently received a copy of my credit report and noticed some fraudulent accounts on my credit report. I have attached a copy of the identity theft report with the fraudulent accounts I would like removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have two credit card accounts with Bank of America. First, you accumulate points. I never accumulated those points, no matter how much I paid. I used them. I got sick, and they charged me extra interest.

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 2025-05-02 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 2025-05-02 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: TX

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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
M & T Bank did not properly set up my auto payment. I had expected M & T Bank to take out a payment in XXXX. I realized, towards the end of XXXX, that the M & T Bank payment never came out. So I called M & T Bank to resolve the situation. 

At that time, I spoke to a XXXX in the mortgage department with M & T Bank. XXXX stated, that he would be able to correct the auto payment issues, and take out one payment for XXXX, and one Payment for XXXX. XXXX then transferred the call to XXXX to confirm that the payments had been set up. 

When I spoke to XXXX, she had stated that XXXX did not set up the payment process correctly. She then claimed to have correected the payments, so XXXX payment would be taken out for XXXX, and XXXX payment would be taken for XXXX. I agreed, under the premise that one payment would be taken out for XXXX, and one payment would be taken out for XXXX. 

Approximately one week later, I had realized that they had taken out XXXX total payments from my bank account to go towards the mortgage. I had only authorized 2 payments. They took out the payment that I authorized for XXXX, but they had taken out 2 payments during XXXX. They had claimed that my auto payment would be set up correctly at this point, but it has not been set up correctly. I called to get a refund for the extra payment. I was told that I would be receiving a refund for the extra payment in 7 to 10 business days. That was XX/XX/XXXX, this is now XX/XX/XXXX, and they have stated that they would instead credit my mortgage for XXXX. I have not authorized them to credit my mortgage for XXXX. They have now took out 2 more payments from my account, which I have also not authorized. 

I have not received the money that I was owed. As well, they now have taken out more payments from my account. I want this rectified immediately, and I want to be compensated for my inconvencience. Also, I want to make sure that they do not try and credit my payment, and I want my auto payment to stop.

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 2025-05-02 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing inaccurate and fraudulent information appearing on my Experian credit report that is the result of identity theft. I have previously notified Experian of these issues and submitted a formal dispute, along with documentation. Despite this, Experian claims the information was " verified as accurate '' by the furnisher and continues to report it. 

The same accounts in question have already been removed by Equifax and/or TransUnion after their investigations. Experian has not provided a clear explanation of their verification process or resolved the inconsistencies. Their failure to properly investigate and correct these errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to maintain accurate reporting procedures ). 

The continued reporting of this fraudulent information is harming my ability to obtain housing, credit, and financial stability. I am requesting that Experian be required to delete these inaccurate accounts and provide a full explanation of their investigation methods.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Opened a XXXX Credit card with Barclay 's Bank XXXX mos ago for their 0 % interest for XXXX mos. Transferred a balance of about {$4600.00}. Used the card a little for actual purchases and set it to auto pay. The promotional APR was set to expire on XX/XX/year>. I called on XX/XX/year> to get the balance left on the promotional portion so that I could pay it off, they stated {$3600.00} was owed for that portion. I paid {$3700.00}. I called on XX/XX/year> to be sure it was paid off only to find out that their " system '' auto applied it to pay off the portion that was accruing interest and the rest was applied to promotional portion. I stated that I need them to change the payment allocation needs to be fixed so it paid off the promotional as on XX/XX/year> interest would hit. They can't change the allocation of the payment? This is deceptive? What if I wouldn't have called to find out? How many people are they doing this too and they don't call and then get hit with so much interest? This is unfair. The fact they couldn't change the allocation? Now I had to put another {$1700.00} to pay this off to make sure that no interest hit. I know it's probably in their " terms '' but either way this is unfair and deceptive practices and they know it!

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 2025-05-02 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: SC

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The account was previously removed and reinserted back on my credit report without my knowledge and with any proper notification. The information listed below, which appears on my credit report, does not relate to any accounts I have opened. It is the result of identity theft. 
1. 
XXXX Account Number : 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 2025-05-02 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-05-02 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: CA

Complaint narrative:
In accordance to the federal reporting act this creditor has violated my rights. UNDER 15USC section 602 states I have the right to privacy. Under 15 USC SECTION 1681 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Credit reporting agency known as Experian has unlawful and inacurate reports on my past debts which are all paid. My most recent debt is with credit one which is also settled. They still have a balance on experian website which is affecting my credit score as well as late unlawful payments from over 5 years ago.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting a fair and accurate representation of my credit report. For each collection account, I ask for a thorough review and verification of accuracy in accordance with 15 USC 1681e ( b ) and 15 USC 1681i. If any collection accounts can not be verified as accurate, I request that they be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXX/XX/XXXXXX/XX/XXXX - {$8400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief