vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2025, I purchased a XXXX XXXX laptop from Best Buy Online, amounting to {$4200.00}. The laptop was shipped via XXXX with a tracking number, with an expected delivery date of XX/XX/2025. 

The laptop did not arrive at scheduled, disappeared from XXXX system on XX/XX/XXXX, reappeared the next day, and was delivered on XX/XX/2025. 

The box was damaged and it is clear it had been opened and resealed. The box contained a XXXX XXXX XXXX box that had been previously opened and contained 'weights ' to simulate the weight of the laptop. I have the box and have provided pictures to both Best Buy and Citibank. 

I went to a local Best Buy store to report this issue. I was told to open a case with Best Buy. I also opened a case with Citibank, the Best Buy Credit Card provider. A case was opened with XXXX  with the tracking number but I am unable to get a response from them. 

On XX/XX/XXXX I received a letter from Citibank stating that the issue was resolved and credit issued to my account. 

On XX/XX/XXXX I received a letter from Citibank stating that my claim is denied and charged my account. 

I contacted my Best Buy agent via email at XXXX but have received no response to date. 

I contacted Citibank via phone and was told to re-submit my claim, which I did in writing via a letter dated XX/XX/XXXX. 

I feel that Best Buy and Citibank are not acting in good faith. I hereby request assistance to resolve this issue and have my account credited back the full amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of a data breach when I got back to the United States. I contacted every one involved. And was advised to reach out to the creditors and credit report agencies to review and correct my credit report. I filed a police report and affidavit to remove fruadulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the following federal student loans appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). These loans were issued under the U.S. Department of Education, which has since been abolished, rendered these debts legally unenforceable and unverifiable. The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt- Per the Fair Credit Reporting Act FCRA 15 U.S. Code 1681i, you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor- XXXX XXXX XXXX these loans on behalf of the DOE XXXX which no longer exists.There is no legal authority to collect or report this debt. ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc.
State: ME

Complaint narrative:
I recently received a phone call on my cell phone asking me if I was the person they were trying to reach. I replied yes and asked what this was about. They stated they were with the Medical Revenue Service and began asking me to verify PII such as my date of birth, etc. I told them they called me, and I would not verify any personal information without them stating it first due to having my PII leaked in a recent breach. They stated they would not do that. I asked to have them mail proof of the debt I owed medical or otherwise. They stated they would mail copies of the debt. It has been over a week ; I still have not received any medical bill or correspondence from them. Today is XX/XX/XXXX, and I received a phone call on my business line I have through my employer. The caller ID showed it was from the XXXX XXXX XXXX XXXX. I was not able to answer in time as I was busy at work but called back due to one of our offices being located in XXXX, XXXX. When the call was answered it was from the 'XXXX  XXXX XXXX XXXX also known as 'MEDICAL DATA SYSTEMS , INC. ' . I immediately asked how they had this number as it was my employers. They refused to answer and stated they would need me to verify who I was. I told them do not ever call this number again. Before I could finish the sentence, they hung the phone call up. I have not received any other calls from them on my cell phone or correspondence. Why they felt it necessary to call me on my employer 's business line is why I am filing this complaint. They are violating, Statute : 15 U.S.C. 1692e ( 10 ), Statute : 15 U.S.C. 1692c ( a ) ( 3 ), and Statute : 15 U.S.C. 1692g ( a ) of the FDCPA. I also believe you could make a case for violating Statute : 15 U.S.C. 1692d ( 5 ). They are registered as a corporation in multiple states including Maine. The address on file for them in Maine is : MEDICAL DATA SYSTEMS , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The President of the company listed on the corporate filing is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The physical address is listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Their charter number is : XXXX XXXX Thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Attention : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : credit bureaus Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Number : XXXX Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : collection hard inquiry Address : XXXX XXXX XXXX XXXX TX XXXX XXXX Number : Reason : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : collection hard inquiry Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : Reason : XXXX Account Name : XXXX XXXX XXXXXXXX # Date Filed : XX/XX/XXXX Type of Account : XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Number : XXXX Account Name : XXXX NA/THD Date Filed : XX/XX/XXXX XXXX of Account : LOAN Address : XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX ) XXXX Number : XXXX Account Name : XXXXXXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Number : XXXX Please remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following Employers from my account. This information does not apply to XXXX XXXX as stated on Credit Report XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I hope all is well. Im writing because my account has been closed. I understand that I recently missed a payment due to no fault of my own XXXX XXXX  is holding my funds and Im currently speaking to a lawyer about that. I have money to bring my credit card current once the funds are released it should be tomorrow and I been a great customer for over 15 years. I would like my credit card back open please. This isnt my fault at all. I have always made my payments on time through out several years. Please give me a call at your earliest convenience and we can discuss what I need to pay to reopen my account. Thank you very much for your time. Have a wonderful day!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

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 2025-04-28 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: NV

Complaint narrative:
Ive sent a series of letters between XX/XX/XXXX & XX/XX/XXXX to Equifax. ive sent XXXX letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. they've not responded but my credit dropped XXXX points ( 3 ) times they've dropped my credit now because im disputing. Yet, theyve not responded with any form of verification on a single item ive disputed. theyve not provided me with any information at all. meanwhile, im unable to obtain credit even with my credit above XXXX. i've got these accounts on my profile and they need to be removed. 

Creditor Name : XXXX XXXX XXXX Inaccuracy : Past Due ammount on Charge-off account Charge-off never sent 1099C Charge-off claiming it is still open Closed account claiming it is still open Closed/Charge off Claiming new missing payments Wrong information incorrect date of last payment Reinsertions of incorrect information after it was corrected Re-Aged account * And More Creditor Name : XXXX XXXX XXXX Past Due amount on Charge-off account Charge-off never sent 1099C Charge-off claiming it is still open Closed account claiming it is still open Wrong information Never signed an agreement with XXXX XXXX XXXXXXXX

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

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Direct Dispute of Inaccurate Reporting Under FCRA To Whom It May Concern, I am writing to dispute the reporting of an account that your company has placed on my credit file with Experian : Account Name : XXXX Funding Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX This account is inaccurately reported and appears incomplete and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ), I am exercising my right to directly dispute the information your company furnished to the consumer reporting agencies. 

Demand : I request that you immediately conduct a reasonable investigation, provide full validation of this alleged debt including the original signed contract bearing my signature, and the full chain of title of ownership of the debt. 
If you are unable to provide verifiable proof within the legally allotted time, you are required to instruct all credit bureaus to delete this account... 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It was infuriating to discover an unauthorized inquiry on my credit report this morning. I had no prior notice or explanation for it, and refreshing my browser made no difference. This situation is unacceptable, and I insist that the documents I sent be properly reviewed immediately so I can finally have peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: MRS BPO, LLC
State: WI

Complaint narrative:
On XX/XX/year> I received a text message at XXXX XXXX XXXX from MRS BPO LLC in regards to a debt owed to XXXX XXXX for a credit card debt. this message was sent from XXXX. I responded to the message with the following This message was sent at XXXXXXXX XXXX XXXX  in clear violation of FDCPA this will be reported. 


since then i have received no communication from this company either in writing or via text.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief