vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX % XXXX XXXX XXXX XXXX Amount : {$82.00} Opened : XX/XX/year> Re : Fraud/Aggravated Identity Theft I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX XXXX , is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in XXXX  days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COUNTRY XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Collection Account XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within XXXX  days of receiving this letter. If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the Barclays XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I was approved for this card ( ending in XXXX ) and received it in the mailer a few days later. It has now been over XXXX months and my account is still frozen and I have been unable to use my card ( or even activate it ). In the meantime, Barclays has charged me the annual fee of {$99.00} and my credit report shows that I have an unpaid balance on this credit card account. 

I tried activating my card online ( per the instructions in the card mailer ) but was unable to do so. Upon calling Barclays customer service, I was told that I needed to verify my identity by faxing certain documents. I faxed these documents ( SSN card, driver license, and utility bill ) on XX/XX/year> to the number provided but was still unable to activate my card after more than XXXX weeks. After again calling Barclays Customer service, I was informed that they had not received a copy of the reverse side of my SSN card and I should fax it again. I again faxed both sides of my XXXX card on XX/XX/year> to the number provided. It has now been another 10 days and I am still unable to activate my card. It appears that my account is still frozen. 

Throughout this XXXX month period, Barclays did not reach out to me with any communication ( email, phone, or paper ) informing me that my account was frozen. They however did not have any trouble reaching out to me over email to let me know that my credit card annual fee was due. 

My account also shows an unpaid balance ( the annual fee of {$99.00} ) which has potentially had a derogatory effect on my credit report. It is wrong for Barclays to charge this annual fee when they have placed a freeze on my account as a result of which I haven't been able to even activate the card, forget using it. I was also unable to log into the Barclays online portal to pay this fee since Barclays would not let me create an online account due to the security freeze.

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 2025-01-04 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:
XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : XXXX XXXX : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
XXXX XXXX : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
XXXX XXXX : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : XXXX XXXX : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
XXXX XXXX : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
XXXX XXXX : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: PA

Complaint narrative:
My Account was closed but my direct deposit was deposited in to the closed account XX/XX/XXXX they said that they mailed out a balance refund check for my direct deposit on XX/XX/XXXX, but I never received it in the mail as of XX/XX/XXXX, so now they told me that they reversed the check back in to my closed account I'm being told that a supervisor is working on depositing it to my active account, so they are refusing to give me my XXXX XXXX XXXX refund, I'm contacting a lawyer about NetSpend withholding my direct deposit money

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 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I received a wage garnishment notice XXXX weeks ago. This is the first time ever seeing this notice or knowledge of this situation. In 2014 the court documents claimed I had been served and owed {$6400.00}. The description said a XXXX individual, XXXX, and XXXX was served. This description is inaccurate as I am white, XXXX, and XXXX. Court documents claimed I didnt show up to court lost the case and now I owe {$10000.00} due to interest. The address they have on file on the notice is an address Ive never lived at and never had any association with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: DC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/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 2025-01-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My complaint is against the credit bureau itself. My credit score was a XXXX. I refinanced my home and it showed that I had 2 mortgages. The credit bureau dropped my credit score XXXX points. When the 1st mortgage company removed the mortgage loan. The credit bureau only brought my score up XXXX points. How in the world is this fair. I worked so hard to pay my debt on time. I need someone to look into his matter and help resolve it. 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 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent and lvnv sent me a document that says webbank and thats its not the dental bill but webbank and I recorded the agent saying that it was a XXXX debt however I was just sent a bill for XXXX again and they say its a web banks bill. 

Lvnv had purchased two of my debt from two different lenders it appears and will neeed to provided detailed verification of that debt with the original company owners names and payments made .. a debt has an original lender They will then need to explain why they are purchasing all of my debts and not paying attention to what they are or when the debts occurred all why I was getting XXXX XXXX company lending club and dentalvana added to my physical injury that I want to go to court for 2 XXXX XXXX. I need the detailed info on the company and the debt and how. Last week it was XXXX and is not now I also need a full breakdown of all my payments as the purchasing debtor can not purchase a debt without that I then want an investigation on why they purchased a debt and sent it to XXXX XXXX who I think I had a dont communicate unless in writing situation with after I was threatened by their lawyer previously because they took me to court on a student loan that is not supposed to go to court on according to the CFPB record which we found after.

But thats for me to know and for yall to find out In the state did nyc you have to give me an honest record of the debt in writing with the original lenders info. You can give me a one pager with XXXX as I thought this was lending club and well I want speak further on my next steps with that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Consumer Financial Protection Bureau Online Complaint Submission Subject : Notification of Data Breach by Credit Bureaus and Submission of FTC Report Dear CFPB Team, I am writing to formally notify your office of a data breach involving the major credit bureaus, which has compromised my personal information. Enclosed with this letter is a copy of my Federal Trade Commission ( FTC ) report, which details the breach and its impact on my financial security. Additionally, included is my 3 Bureau Report.

The breach constitutes a violation under U.S. Code 1561, which mandates the safeguarding of consumer data by entities handling sensitive personal information. This breach has not only disrupted my financial stability but also raised serious concerns regarding the handling of personal data by these institutions. 

I request the CFPBs intervention to ensure the responsible parties are held accountable and that steps are taken to prevent such breaches in the future. I also urge your assistance in helping me mitigate the impact of this incident on my credit and financial well-being. 

Thank you for your attention to this critical matter. Please feel free to contact me at XXXX, should you need additional information. 

Sincerely, XXXX XXXX Enclosure : FTC Report and XXXX 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
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Unknown and unexplained charges do to data breach and information leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Validate Credit Report Information Dear Consumer Financial Protection Bureau, On XX/XX/year>, I sent an affidavit to the CEOs of Experian, demanding proof of validation for information reported on my credit reports. Despite my request, I received no response from the agency. Instead, they began disputing the information themselves, further suggesting that they never intended for the reported information to be accurate. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to validate and verify information before reporting it on a consumer 's credit report. Their failure to adhere to this legal obligation has resulted in continued inaccuracies on my credit reports, causing financial harm and emotional distress. 

I am demanding immediate corrective actions, including : Permanent deletion of all unverified and inaccurate information. 
Compensation for damages resulting from these inaccuracies and their failure to comply with the FCRA. 

I request a prompt investigation and a response detailing the actions taken to address these concerns. 

Thank you in advance.

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