vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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, XXXX XXXX XXXX ( XXXX  ) XXXX 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I received a notification that a collection had appeared on my account from Harris & Harris collections. I called the company and requested a debt validation letter as I had never even heard of the company. The man refused and began asking for my social. I told him I wasnt comfortable giving that information over the phone and asked if he could look me up by name. He found the account and I asked if he could email or mail something proving this and he responded he already did. I asked when and what date to find the email, he told me and I searched and nothing was there. He then started yelling and talking over me asking for payment. I refused and asked for him to send a validation letter and he screamed and hung up in my face. Before he did he said you sure you dont wan na pay this balance, its really messing with your credit

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 2025-01-29 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: NC

Complaint narrative:
I am writing to express my deep concern regarding the ongoing issues I have experienced with the handling of my credit report and disputes by Experian. I have been diligently working on improving my credit, and part of this process includes addressing any inaccuracies on my report. However, it seems that Experian continues to disregard several key legal requirements outlined under the Fair Credit Reporting Act ( FCRA ) .Due to the recent lawsuit filed against Experian on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law. I will explicitly say do not accept the finding of the furnisher who does not provide thorough results of their investigation. Which I ask that you provide to me in exact detail. Please DELETE the disputed information within the required timeline of thirty days as set forth per FCRA which is federal law. 

XXXX XXXX Acct # - XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and process related. Please remove or prove! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX Acct # - XXXX Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I presume that no proof of alleged debt nor therefore any such debt in fact exists. 

XXXX XXXX Acct # - XXXX Please remove it from my credit report XXXX Acct # - XXXX Please remove it from my credit report XXXX  Acct # - XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and process related. Please remove or prove! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

Attach below is a Notarized Affidavit of Dispute.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge. It Does not tell me what the account listed under, But the amount for the requested debt is {$310.00} currently being reported by Portfolio Recovery to the credit bureaus. This account does not belong to me and was opened without my authorization.

Timeline : In XX/XX/year>, I first noticed the fraudulent account when reviewing my credit report. 

On XX/XX/year>, I filed a dispute on XXXX. 

On XX/XX/year>, I contacted Portfolio Recovery to dispute the debt, but I have yet to receive any confirmation of resolution. 

Impact : This fraudulent account has caused a significant drop in my credit score, affecting my ability to secure a loan and causing undue stress. The continued reporting of this incorrect information is negatively affecting my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: DE

Complaint narrative:
Dear CFPB, I am writing in response to Equifaxs reply to my complaint concerning inaccurate items on my credit report, specifically regarding the inquiry made by XXXX. While Equifax has acknowledged the presence of the inquiry on my credit file, their response fails to address the core issue that was raised in my original complaint : I did not provide written consent for this inquiry to be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. This includes ensuring that any credit inquiry reported must be authorized by the consumer. The FCRA requires that a consumers authorization be obtained for any inquiry to be included in their credit report. In my case, I did not provide written
consent for XXXX  to make an inquiry into my credit file. Therefore, the inquiry is incorrect, and its continued presence on my credit report is a violation of my rights under the FCRA.

Furthermore, I would like to point out that simply stating the inquiry is a " factual record '' and will remain for two years does not address the issue of whether or not this inquiry was lawfully reported. Per the FCRA, I have the right to dispute the accuracy of information on my credit report, and I believe this inquiry does not meet the standards set forth by the law for inclusion in my credit history.

I respectfully request that Equifax conduct a more thorough investigation into this matter and remove the inquiry from my credit report, as it was neither authorized nor accurately reported.

Please let me know if you require any further information to assist in resolving this matter.

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
The items I need deleted are listed in the attached files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: IL

Complaint narrative:
I have held this account since XXXXXXXX XXXX XXXXXXXX. I have made all payments on-time or early. All of my payments have been at or above the minimum required. All of my draws have been repaid in full early. I have had a continuous ACH agreement in effect since applying for the account. I have learned that I currently have the highest level of billing cycle charges ( level 4 of 4 ).

I inquired it was eligible for reduced billing cycle charges as advertised on the website via a chat with a rep on both XX/XX/XXXX and again on XX/XX/XXXX. I asked on two different occasions because it was not clear if the first representative understood the question.

During both conversations I was told I did not qualify. On XX/XX/XXXX I asked where I could view the policy. They were not able to share it with me. Instead, they pasted this into the chat : " Customers that are enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are eligible to have their Billing Cycle Charges reduced and credit limit increased over time. To participate in the program, all you need to do is : 1. Make your Minimum Payments on time ; and 2. Keep a recurring pre-authorized payment method on file. There are no costs to enroll. " I informed them that I had met both requirements. They told me that I was not eligible because I pay off my loan early using the only payment method available on the website for paying more than the minimum or before the due date.

I inquired as to whom I could appeal. They said I could provide feedback by emailing XXXX XXXX XXXX. I advised that I was not providing feedback, but I wished to appeal the decision. I asked about the emails addresses in the terms of use agreement like XXXX XXXX XXXX  I was told those were not active emails. That was concerning because the terms of use are agreed to by users of the site.

I inquired if a supervisor was available. They were unable to connect me with a supervisor. I inquired about closing the account. They were unable to assist me with that request either.

This lender appears to be predatory. Perfect payment history and early repayment are penalized by forcing borrowers to maintain the highest level of billing cycle charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent money using XXXX on Wells Fargo. I accidently sent it to my partner old number instead of her new number. Per XXXX websit it state of the recipient doesnt accept payment I can get my money back. The amount was XXXX I contacted my bank and explained the situation and they only gave me {$50.00} back. Even though the number I sent it to was disconnected at the 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 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Westlake financial regularly threatens to repossess my vehicle when I am not even 30 days pay due. They do it on the phone when I make a payment and through letters when I am like 20 days past due. They tack on the next month payment then threaten to repossess. I have had an agent threaten to take repossession action over a payment that wasnt even due til the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
This tradeline on my credit report is not reported with the maximum possible accuracy, which is a clear violation of reporting standards. I demand that you delete this entry from my credit report immediately, as it is incorrect and unlawful.

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 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: MT

Complaint narrative:
Starting on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX  in attempt to make a debt settlement. XXXX XXXX is the account representative. We set up a payment plan for {$40.00} per month to be paid the XXXX of every month. I called XXXX on XXXX XXXX, XXXX to offer a cash settlement offer on the balance ( {$2300.00} ) reporting to my credit. The original debt was {$1400.00}. {$640.00} is interest being charged by XXXX. I offered to pay {$2000.00} on XX/XX/XXXX. I was told XXXX would not accept that amt because I have other accounts for collection with them under {$500.00}. I requested 3 times on XX/XX/XXXX to speak to a manager. My offer was submitted for review ( never heard from a supervisor ). Was told I would receive a response of acceptance or denial via mail. Today is the XXXX of XXXX. I have recieved nothing, nor did I receive a validation of my monthly payment set up for ACH withdrawal from my bank account. I called XXXX again today to request any validation of my offer for settlement. Left a voice mail for XXXX XXXX. 
I want this debt settled for the amount of the ORIGINAL debt reporting to my credit minus the interest fees being imposed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXX ID : XXXX Type : Credit Line Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. I want the credit bureau to provide me with the method of investigation that was used to validate this account. This account needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IN

Complaint narrative:
experian has failed to fulfill its legal obligation under the fair credit reporting 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 filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where experian has neither corrected nor removed disputed items 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.

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 2025-01-29 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am reopening this claim because it was not accurately addressed the first time.

I have included a screenshot this time ( with my personal information blurred out ) of a purchase I tried to make online with AMEX gift card. The card was declined multiple times. XXXX accepts AMEX cards. This is unacceptable. 

Wednesday, XX/XX/year>. 

The back fo the gift card states : " ( this " Card '' ) may be used at U.S. merchants that accept American Express Cards.

If I can not use this WHERE ANY U.S. merchant accepts AMEX cards, AMEX IS STEALING MONEY FROM ITS CUSTOMERS. I should not be forced to only use card where it will get through the system.

The company 's response also stated they were unable to reach me by phone. NO VOICEMAIL WAS LEFT. EVERYONE GETS THOUSANDS OF SPAM CALLS A DAY AND CALLING WITHOUT
LEAVING A VOICEMAIL IS LIKE DING DONG DITCHING.

Leave a voicemail and I will respond. I do not answer unsolicited calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability recovery services is a third party debt collection company that is attempting to collect a debt that I never did business with them.

I have never conducted business with Ability Debt Recovery Services and have no contractual obligations or rights with them. 

Regarding XXXX XXXX XXXX, I exercised my right to cancel my enrollment on the first day, well within their stated five-day grace period for cancellation. Despite my repeated requests, my cancellation was not honored. Additionally, I was misled about the school 's accreditation and credit transferability. Upon discovering that my credits would not be recognized by other institutions, I realized that I had been provided with inaccurate or misleading information regarding the school 's legitimacy and requirements.

As a result, I dispute any outstanding balance associated with this debt and request a full refund of any payments previously made.

Furthermore, Historical FTC Charges : This misrepresentation aligns with prior charges the FTC settled with XXXX XXXX, where the institution was found guilty of misleading students about its accreditation, career training, and credit transferability. Despite these legal actions, XXXX XXXX continues to engage in deceptive practices.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I signed up for FREE credit monitoring offers resulting from several data breaches that occurred at XXXX XXXX XXXX, XXXX XXXX, and OPM.gov. 

I NEVER signed up for a paid membership with Experian. However, Experian has beeen charging my credit card {$24.00} per month for " Premium '' credit monitoring for months.

I contacted Experian last summer to cancel the " premium '' membership and get a refund. I thought they would do so, but they did not.

I contacted Experian twice today. During the conversation the customer service attendant would only give me a " courtesy refund '' for two months after which acted like she could not hear me and disconnected the call. On the second call I spoke with a manager who said she can not send me any proof that I authorized the XXXX XXXXXXXXmonth charge.

I request that Experian refund ALL charges to my credit card. The charges began sometime before XX/XX/scrub> 2024. I can not determine the that exact month they started until XXXX sends earlier e-statement to me.

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