vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a final formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and relevant state law. I am exercising my legal right to obtain a full record of all procedural steps your agency has taken in response to my previously submitted disputes. You are required to maintain and disclose investigation details and communications with data furnishers under 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 6 ), and 1681s-2 ( b ). 

Accordingly, for each disputed account listed below, I demand the following : A complete, unredacted copy of every XXXX  ( XXXX XXXX XXXX XXXX ) form submitted to the respective data furnisher. 

A complete, unredacted copy of all XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) responses received from the furnisher. 

Copies of all internal investigation records, notes, and results, including the method of verification used. 

A list of all names, business entities, dates of contact, and direct phone numbers for individuals or departments your agency contacted during the dispute process. 

These requests apply to all disputes previously filed by me under the following accounts : TRANSUNION Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Accounts : 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 explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a final formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and relevant state law. I am exercising my legal right to obtain a full record of all procedural steps your agency has taken in response to my previously submitted disputes. You are required to maintain and disclose investigation details and communications with data furnishers under 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 6 ), and 1681s-2 ( b ). 

Accordingly, for each disputed account listed below, I demand the following : A complete, unredacted copy of every XXXX  ( XXXX XXXX XXXX XXXX ) form submitted to the respective data furnisher. 

A complete, unredacted copy of all XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) responses received from the furnisher. 

Copies of all internal investigation records, notes, and results, including the method of verification used. 

A list of all names, business entities, dates of contact, and direct phone numbers for individuals or departments your agency contacted during the dispute process. 

These requests apply to all disputes previously filed by me under the following accounts : TRANSUNION Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Accounts : 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 2025-06-24 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: MD

Complaint narrative:
Upon reviewing my Consumer Reports, I found some instances of late payments on several accounts for which I have always made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and this information must be reported with the highest accuracy. I have never missed a payment on the accounts listed below. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you can not provide such proof, I demand that these payments be promptly corrected to reflect their true on-time status, as I have consistently met my payment obligations without delay. 

Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX : XXXX * * * * Balance : {$1700.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX  XXXX Account Number : XXXX * * * * Balance : {$8300.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX * * * * Balance : {$34000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX * * * * Balance : {$29000.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX * * * * Balance : {$6600.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX * * * Balance : {$9900.00} Late Payments : 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
in XX/XX/year> i received a letter saying i owe debt to a saying i owe debt to velocity investments but this is not possible I dont have any links with that company. Kindly check the information because it is not right. I dont owe any debts. I never had a XXXX Credit Card neither i have any accounts or link to the bank of Missouri. Please review this and send the information to the correct person because this is not my debt I dont owe any. I emailed all this to XXXX shortly after receiving the letter they replied me with a letter saying I can dispute this case which is exactly what i did I disputed. Then I filled a form online about identity theft. But XXXX XXXX I received another letter from Midland Credit Management saying that they have opened an investigation and are still processing the dispute and I should obtain the federal commission fraud affidavit. So, kindly send me the affidavit so that I can email them. This is very stressful that my information is being used. I never opened any credit cards and I would never owe this much debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
b"XXXX XXXX XXXX XXXX, VA 2XXXX XXXX XXXX\n\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX, DC XXXX\n\nSubject: Complaint Regarding Data Breach and Violations of FCRA  XXXX XXXX XXXX XXXXn\nDear CFPB Representative,\n\nI am writing to formally file a complaint regarding a data breach involving my personal information that has impacted my credit file(s) with the three major credit reporting agencies: Equifax, Experian, and TransUnion.\n\nI have reason to believe that my sensitive personal informationsuch as my Social Security number, credit data, and identifying informationwas accessed or used without authorization, constituting a serious breach of privacy and security. I suspect the breach may be the result of negligence on the part of one or more of these credit reporting agencies in securing consumer data, which I believe is in direct violation of provisions outlined in the Fair Credit Reporting Act (FCRA), codified under XXXX XXXX XXXX XXXX.\n\nSpecifically, I cite the following relevant portions of the FCRA:\n\nXXXX XXXX XXXX XXXX(b)  which states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer regarding confidentiality, accuracy, relevancy, and proper utilization of such information.\nXXXX XXXX XXXX XXXX  requiring credit bureaus to maintain reasonable procedures designed to avoid violations of the Act and to limit the furnishing of consumer reports to purposes listed under  XXXX XXXX XXXX XXXX and XXXX  giving consumers the right to place fraud alerts and security freezes on their credit reports to prevent unauthorized access.\nDespite my efforts to communicate directly with these agencies to investigate and remediate the issue, I have encountered delays, vague responses, and insufficient transparency. As a result of the breach, I have suffered anxiety, potential exposure to identity theft, and the burden of taking extensive precautions to safeguard my financial security.\n\nI respectfully request the CFPB to:\n\nInvestigate the handling and protection of my personal data by Equifax, Experian, and TransUnion.\nDetermine whether these agencies violated any provisions of the FCRA, specifically under XXXX XXXX XXXX XXXX.\nEnforce appropriate actions, fines, or corrective measures to ensure compliance and consumer protection.\nEnsure that I am fully informed of the results of any such investigation and offered a resolution or remedy as appropriate.\n\nThank you for your attention to this serious matter. I appreciate the Consumer Financial Protection Bureau's continued efforts in protecting consumer rights.\n\nSincerely,\nXXXX 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 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is with care credit. I was under the XXXX benefits with XXXX XXXX interest. So I made a purchase after being told it would remain XXXX XXXX until paid off. Now theyre charging me XXXX XXXX and wont explain why.

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 2025-06-23 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-06-23 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: WI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure XXXX XXXX accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not XXXX XXXX correct and i demand them to be investigated completely.

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 2025-06-24 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle did not disclosure proper warning on initial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a final formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and relevant state law. I am exercising my legal right to obtain a full record of all procedural steps your agency has taken in response to my previously submitted disputes. You are required to maintain and disclose investigation details and communications with data furnishers under 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 6 ), and 1681s-2 ( b ). 

Accordingly, for each disputed account listed below, I demand the following : A complete, unredacted copy of every XXXX  ( XXXX XXXX XXXX XXXX ) form submitted to the respective data furnisher. 

A complete, unredacted copy of all XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) responses received from the furnisher. 

Copies of all internal investigation records, notes, and results, including the method of verification used. 

A list of all names, business entities, dates of contact, and direct phone numbers for individuals or departments your agency contacted during the dispute process. 

These requests apply to all disputes previously filed by me under the following accounts : TRANSUNION Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Accounts : 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 non-monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was the victim of a wire transfer scam related to a fake apartment listing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wired {$3800.00} from my Citibank account ( including {$2000.00} rent and {$1800.00} deposit ) to someone posing as the landlord. The scammer sent falsified lease documents and identification, which I later discovered were fraudulent. 

I immediately reported the incident to Citibank, the XXXX XXXX Police Department, and the FBI ( IC3 ). Citibank attempted to contact the receiving bank but informed me they received no response and therefore could not recover my money. They have since stated that unless the receiving bank replies, I will not be reimbursed. 

However, I have provided full documentation and acted in good faith. I am requesting that Citibank escalate this case under UCC Article 4A, which applies in cases of wire fraud and outlines responsibilities for fund recovery. I have also submitted a detailed PDF report that includes : A timeline of the fraud My police report Communications from the scammer New evidence showing the scammer is still active and trying to scam others I am asking the CFPB to investigate Citibanks handling of this case and hold them accountable under federal regulations. Citibank has a duty to act reasonably to recover funds and protect consumers from fraud. 

Thank you for your 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, my vehicle was wrongfully repossessed in a manner that breached the peace. The repossession company, XXXX, hired by Exeter Finance, attached my car while I was inside and kept me hooked up despite my protests. I was publicly humiliated in a crowded XXXX XXXX parking lot in XXXXXXXX XXXX. The tow driver threatened me with jail if I did not give up my car and told me that my image was on camera as leverage to scare me into compliance. 

This was a civil matter, yet Exeter Finance and its agents resorted to intimidation, harassment, and illegal practices. I had communicated my financial hardship to Exeter previously, and after my account was closed on my credit report in XX/XX/XXXX, I never received any further contact by phone or text. The only communications were generic promotional emails that Exeter representatives have since told me had no legal weight. 
I was left stranded an hour and a half from my home, publicly humiliated and put at serious risk. This breach of peace is unlawful under Georgia law and the Uniform Commercial Code. Exeter Finance must be held accountable for their agents behavior.

Please help me resolve this matter as Exeter Finance has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation