vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
Immediate Deletion Demanded Reinserted Inaccurate Account by XXXX XXXX XXXX and Data Breach Concerns To Whom It May Concern : I am filing this urgent and serious complaint against XXXX XXXX XXXX for the unauthorized and inaccurate reinsertion of a previously disputed and removed account on my credit reports. This account had a {$0.00} balance, was resolved, and should never have reappeared. 

I have verified that XXXX and Experian are both currently reporting this reinserted account which is not only inaccurate but was also re-added without the legally required notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, my personal information was exposed in a known data breach, putting me at even greater risk for identity theft and fraudulent reporting. Reintroducing false credit data under these circumstances is not just negligent it is reckless. 

I am demanding the following actions be taken immediately : XXXX. Permanent deletion of the reinserted XXXX - XXXX account from all credit bureaus. 
XXXX. A detailed explanation as to how and why this inaccurate account was reinserted without following proper legal procedures. 
XXXX. Confirmation that XXXX is in full compliance with data protection laws and FCRA guidelines. 

Failure to delete this account and provide a written resolution will leave me with no choice but to pursue legal action. This includes filing a formal complaint with the FTC, pursuing damages under the FCRA, and consulting legal counsel regarding the exposure of my personal data. 

This issue must be resolved without delay. I expect confirmation of the account deletion and a written response within 15 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: OR

Complaint narrative:
on XX/XX/year> I created a Schwab checking account. 
on XX/XX/year> I deposited a check from my companys payroll dept on XX/XX/year> I deposited a second check from the companys payroll dept XX/XX/year> the first check cleared. I tried to send a XXXX for {$720.00} to my landlord for rent. It was blocked. I called and got it authorized and the XXXX went through. 
XX/XX/year> - I tried to send {$200.00} via XXXX, it was blocked, I called, they told me it went through but it was blocked again. When I called they told me my entire account was locked due to suspected fraudulent activity. 
XX/XX/year> & XX/XX/year> - called their support 5 times, was told by managers that no one can contact the fraud dept directly to get me any information. 
XX/XX/year> - went into a Charles Schwab branch in XXXX Oregon and talked to a branh manager named XXXX XXXX. He told me the same thing the support told me, he can not get through to the fraud dept and get any information. 

I checked with my company 's payroll dept. Those checks have cleared the account and the money is gone and paid to Charles Schwab bank. 
I have XXXX money, they have every XXXX of mine locked behind a fraud investigation when there is no fraud on the account. Meanwhile I can not eat, buy gas to get to work, or anything while the investigate the fraud that isnt fraud. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

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 2025-04-10 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: IL

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Collectors International, Inc.
State: PA

Complaint narrative:
At XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DCI called me that I have to pay to the XXXX XXXX about more than {$2000.00} ( I forget the exact number ). The story is below : In XX/XX/XXXX, I came to The XXXX XXXX in XXXX XXXX for the acting course, but I never started it. I had paid about {$390.00} for the first installment. It must be started in XX/XX/XXXX, but I cancelled it. I came again to the XXXX XXXX in XXXX XXXX and I said I would start it when I got a job, that time suddenly I lost my job, and I need my money back. They have given back my money {$390.00}. I met XXXX XXXX, the leader of the XXXX XXXX in XXXX XXXX, she agreed for it. In XX/XX/XXXX, I got a job in XXXX XXXX XXXX XXXX XXXX XXXX I texted them by email that I cancelled all because I moved my living place to XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the head of the XXXX XXXX in XXXX XXXX agreed for it. I never entered the course. XX/XX/XXXX, last year, DCI called me to warn me to pay the course. Then, I emailed the XXXX XXXX again. I received a call from The XXXX XXXX in XXXX that they said it was a mistake. He said that they used DCI to take money from me BEFORE they checked me. When they know I never entered the course, they said it was a mistake and nothing problem. The case has finished and closed. 
Suddenly this week, DCI called me again for that. I was so upset. I told her that the case had been closed last year. I stopped the telephone and blocked DCI number. But today the left voice mail for me, warned me to pay it. 
I have sent an email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I will sue them if DCI is still calling me. But they don't response me until now. Today I also tried to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX but nobody answer my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts are being reported under my name without my knowledge or consent, and I have never opened, authorized, or managed them. This is a serious breach of accuracy and a misrepresentation of my financial history. I demand immediate clarification regarding the origin of these accounts and the entity responsible for reporting them. This matter must be investigated and resolved without delay, and any unauthorized or inaccurate accounts must be permanently removed from my credit profile. I expect prompt and decisive action.

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 2025-04-10 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: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Bureaus and Furnishers for Failure to Comply with 15 U.S. Code 1681i ( 5 ) Unverifiable or Inaccurate Charge-Off Reporting Dear CFPB, I am filing this formal complaint against the three major credit bureaus ( Equifax, Experian, and TransUnion ) and the following furnishers for their failure to delete or correct inaccurate, unverifiable, or outdated charge-off account information in compliance with 15 U.S. Code 1681i ( 5 ) : Charge-Off Accounts in Dispute : XXXX XXXX XXXX Inconsistent dates, inaccurate balance , and charge-off reporting errors. 

XXXXXXXX XXXX XXXX XXXX  Balance reported on charged-off account ; conflicting data. 

XXXX XXXX XXXX Conflicting remarks and activity dates. 

XXXX XXXX XXXX ( XXXX XXXX ) Duplicate charge-off/collection ; status mismatch. 

XXXX XXXX ( XXXX XXXX XXXX  ) Duplicate reporting with original creditor; conflicting dates. 

XXXX XXXX XXXX ( XXXX XXXX ) Open/closed inconsistency ; dispute reporting violation. 

XXXX XXXX XXXX ( XXXX XXXX ) Improper charge-off vs. collection classification ; date and status errors.

These accounts were previously disputed with all three credit bureaus under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( 5 ) : FCRA 1681i ( 5 ) Summary : If, after any reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete or modify the item and notify the furnisher of the change.

Reinserted information must be accompanied by a certification of accuracy, or it can not be placed back on the consumers file. 

Complaint Summary : The bureaus have failed to properly reinvestigate and remove these items. 

Furnishers have continued to report conflicting and unverifiable data, violating Metro 2 and FCRA standards.

I have not received sufficient documentation or updates from the bureaus indicating deletion or correction. 

Sincerely 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 2025-04-10 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: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Bureaus and Furnishers for Failure to Comply with 15 U.S. Code 1681i ( 5 ) Unverifiable or Inaccurate Charge-Off Reporting Dear CFPB, I am filing this formal complaint against the three major credit bureaus ( Equifax, Experian, and TransUnion ) and the following furnishers for their failure to delete or correct inaccurate, unverifiable, or outdated charge-off account information in compliance with 15 U.S. Code 1681i ( 5 ) : Charge-Off Accounts in Dispute : XXXX XXXX XXXX Inconsistent dates, inaccurate balance , and charge-off reporting errors. 

XXXXXXXX XXXX XXXX XXXX  Balance reported on charged-off account ; conflicting data. 

XXXX XXXX XXXX Conflicting remarks and activity dates. 

XXXX XXXX XXXX ( XXXX XXXX ) Duplicate charge-off/collection ; status mismatch. 

XXXX XXXX ( XXXX XXXX XXXX  ) Duplicate reporting with original creditor; conflicting dates. 

XXXX XXXX XXXX ( XXXX XXXX ) Open/closed inconsistency ; dispute reporting violation. 

XXXX XXXX XXXX ( XXXX XXXX ) Improper charge-off vs. collection classification ; date and status errors.

These accounts were previously disputed with all three credit bureaus under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( 5 ) : FCRA 1681i ( 5 ) Summary : If, after any reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete or modify the item and notify the furnisher of the change.

Reinserted information must be accompanied by a certification of accuracy, or it can not be placed back on the consumers file. 

Complaint Summary : The bureaus have failed to properly reinvestigate and remove these items. 

Furnishers have continued to report conflicting and unverifiable data, violating Metro 2 and FCRA standards.

I have not received sufficient documentation or updates from the bureaus indicating deletion or correction. 

Sincerely XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: GA

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 2025-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a call from XXXX XXXX  XXXX  trying to collect a debt from a XXXX XXXX XXXX They had a job where I never worked saying it was taken out in 2019 they did have the last four of my social security number. I never took out any loan in 2019 whatsoever. They refused to give me information and just played loud music in my ear. I said to them there is nothing in the court system showing that I have any debts against me l, thats when they played the music.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Inaccurately reporting account monthly, account is closed please remove from credit report. I want to inform you that this is not a refusal to pay but in accordance with my rights under the Fair Debt Collections Practices Act I am disputing this account and requesting validation of debt. ( 15 USC 1692G SEC.809 ( B ). I am not requesting a verification, but I am requesting validation of contract. I am requesting that your office provide me with evidence that I am obligated to pay 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 2025-04-10 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:
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 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: DE

Complaint narrative:
TransUnion informed me today that they do not remove inquires from credit profiles but they challenge them. I explained to the rep that I would like to have the information challenge and removed from my profile. I was told no. I wanted to speak to someone ex. manager and that was not allowed. It is very hard to speak to a live agent on the phone with this company. They prefer chat which isn't always the best form of communication. I asked for number to call and speak to a live agent and I was given the same XXXX number that is found on the web site. I explained to the rep that this number does not give me a live agent and I requested another number. But I was not given one.

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 2025-04-10 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: World Acceptance Corporation
State: SC

Complaint narrative:
Mail letter of investigation on XX/XX/year> to XXXX, XXXX, and XXXX. 
According to 15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), deals with congressional findings and the purpose of the act, emphasizing the importance of fair and accurate credit reporting for the banking system and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I am filing a complaint regarding the unauthorized sharing of my credit report information, which I did not consent to. Additionally, my identity has been stolen, and I have already reported this matter to the IRS. The unauthorized access and sharing of my credit details have caused significant concern, and I am worried about potential fraudulent activity. I am requesting that the Consumer Financial Protection Bureau investigate this issue, remove any inaccurate or unauthorized information from my credit report, and ensure my credit is protected from further misuse. I also ask for guidance on securing my credit and preventing future identity theft incidents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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