vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My brother sent me money and USAA refuses to release the funds and refuses to correct to problem.

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 2025-03-08 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: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. I recently reviewed my report and discovered that this account was reported without any prior notification to me. As per the Fair Debt Collection Practices Act ( FDCPA ), I should have been notified about this collection account before it was reported. 

I kindly request that you investigate this matter and provide me with verification of the following : Proof that I was notified about the collection account as required by law. 
Documentation validating the debt, including the original creditor 's information. 
If the collection agency can not provide verifiable proof of notification, I request that this account be removed from my credit report immediately.

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 2025-03-08 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: FL

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 2025-03-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate and false information on my credit report. This is my third attempt to resolve this matter, and I demand immediate action in compliance with federal law. 

Pursuant to 15 U.S.C. 6802 ( Financial Privacy Rule ), I hereby exercise my right to privacy and demand that you cease the unauthorized dissemination of my financial information to third parties, including credit reporting agencies, without permissible purpose or my express consent.

Additionally, under 15 U.S.C. 1681b ( Fair Credit Reporting Act Permissible Purposes of Consumer Reports ), you are required to ensure that any reported information is accurate and provided with proper authorization. If you can not verify and provide lawful documentation supporting the validity of this debt, you must immediately remove it from my credit report.

Furthermore, any attempt to knowingly furnish or maintain inaccurate or fraudulent information could be deemed identity fraud under 18 U.S.C. 1028A ( Aggravated Identity Theft ). If you are reporting incorrect or unverified debt information in my name, this constitutes a serious violation of federal law.

I formally requested Form 1099-C along with a document bearing a wet signature that verifies the authenticity of the alleged debt. Additionally, I have provided authorization permitting the disclosure of relevant information, including reporting to credit agencies. If you can not produce these documents, you must immediately cease reporting this invalid debt to the credit bureaus.

Failure to act on this matter may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential litigation for willful noncompliance with federal statutes.

I expect a written response within 15 days of receipt of this letter, confirming the removal of this erroneous information from my credit report. A copy of this dispute will also be submitted to the credit bureaus. 

Sincerely, 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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANC OF CALIFORNIA, INC.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX woman living by myself with a XXXX XXXX XXXXXXXX and I was deeply and intensely, coerced into these illegal actions that included a wire transfer by a bank that I have absolutely no association or accounts with whatsoever in the amount of {$20000.00}. My XXXX benefits and XXXX benefits and coverage have been, locked blocked and, compromised as a result of this incredibly deep fraudulent activity. I was sent XXXX separate credit cards NOT at all issued in my name. I was sent in my name a debit card from XXXX Bank who I also have no association and accounts with whatsoever and this individual, this perpetrator was putting money INTO this debit card for me. I was. deeply and intensely coerced to make XXXX, XXXX, XXXX, and XXXX XXXX through and with a XXXX ATM machine. I was coerced to lie to my bank. And, this bank XXXX XXXX XXXX XXXX XXXX XXXX California has been ... harassing me with emails ... supposedly from the CEO of the bank but when I XXXX the CEO of XXXX XXXX Bank and the XXXX XXXX California, XXXX completely different individuals and, names of individuals came up in my search ... not at all the name of the " person '' the " CEO '' of this, " bank '' " banc ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kaman & Cusimano, LLC
State: AR

Complaint narrative:
I have repeatedly asked for an itemized list of proposed amounts for which a default judgement was issued. I filed a motion to set aside but the judge denied because I submitted it in less than 30 days and more than 10. I informed creditor that I was unable to attend due to living in another state and having children in school. On XX/XX/year> I requested an itemized listing and they provided me with someone else 's information and not mine. I requested again on XX/XX/year> and received no response. I requested again on XX/XX/year> and was only provided w a balance on XX/XX/year>. I requested again on XX/XX/year> and received no response. They have already received a default judgement for amounts that I do not owe and was unable to defend myself or seek to set aside due to my lack of funding to hire an attorney. All I want is an itemized list so that I can see what they are charging me for because the amounts they originally tried to say I owed increased substantially.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX BALANCE {$560.00} XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-03-08 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX BALANCE {$560.00} XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section XXXX ( c ) which constitutes as fraud. 

I've attached my personal identifiable information to this complaint. FCRA section XXXX ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The accounts that was not authorized ; 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 2025-03-08 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I have reached out to the companied requesting verification of a signed contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> my significant other had my car towed to XXXX XXXX XXXX  due to an incident at XXXXXXXX XXXX XXXX wreaking the transmission. So all gears locked up and couldnt drive it we spoke to XXXX XXXX XXXX about the cost I needed help my fianc has XXXX and we dont have a lot of finances and I only have a vehicle so I needed to get to work a man named XXXX told us we could apply for a loan through this company and make payments to get the car fixed by our surprise I was approve for some and my Finace was approve for the remaining after sometime we spoke to a manage XXXX XXXX XXXX were getting to expense when we were emailed the loan papers we found how high the interest was and they wanted payments weekly very high payment which made us late for our rent and now up against loosing our apartment weve been in 17 years never late due to threats or payment garnishments taking the car we cant live anymore because of these people we contacted the compliany and again explained this was horrible and how can they do this its impossible by the time Im done with my loan I will have paid about XXXX thats just myself and my girl is so sick that this is wrong with he only on XXXX we need help we went to 211 for help and they suggested you this is or should be illegal really how they fraud if us and so many others we need help and I hope you can help us

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
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 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. XXXX ) 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.

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 2025-03-08 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 submitting this complaint regarding a medical collection account that is incorrectly appearing on my credit report, despite the CFPBs recent rule banning the inclusion of medical debt on credit reports used by lenders. 

On XX/XX/year> I reviewed my credit reports and found that a medical collection account from XXXX XXXX XXXX is still being reported to EXPERIAN, EQUIFAX AND TRANSUNION. According to the CFPBs final rule effective in XXXX, medical debts should no longer appear on consumer credit reports. 

I've requested removal, but they have either refused or failed to take appropriate action. This incorrect reporting is negatively impacting my credit and financial opportunities.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a medical collection account that is incorrectly appearing on my credit report, despite the CFPBs recent rule banning the inclusion of medical debt on credit reports used by lenders. 

On XX/XX/year> I reviewed my credit reports and found that a medical collection account from XXXX XXXX XXXX is still being reported to EXPERIAN, EQUIFAX AND TRANSUNION. According to the CFPBs final rule effective in XXXX, medical debts should no longer appear on consumer credit reports. 

I've requested removal, but they have either refused or failed to take appropriate action. This incorrect reporting is negatively impacting my credit and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I received a collection letter from AllianceOne Receivables Management , Inc., dated XX/XX/year>, attempting to collect a debt allegedly owed to XXXX XXXX ( Account Number : XXXX, Creditor Reference Number : XXXX ). The letter offered a settlement of {$2900.00} on a balance of {$4400.00}. 

I immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by sending a written request for debt validation on XX/XX/year>. In my letter, I requested that AllianceOne provide : A copy of the original signed agreement proving my obligation to pay this debt. 
A full breakdown of the balance, including all interest, fees, and charges. 
Proof that AllianceOne has legal authority to collect this debt, including a chain of title showing all transfers of ownership. 
A copy of their debt collection license in California, as required under the California Debt Collection Licensing Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Verification that this debt is within the statute of limitations, pursuant to California Code of Civil Procedure 337 ( which establishes a four-year limit for written contracts ). 
Despite my timely dispute, AllianceOne has failed to provide any validation and continues to attempt collection, which violates : 15 U.S.C. 1692g ( b ) ( FDCPA ) Prohibits further collection until the debt is validated.

15 U.S.C. 1681s-2 ( b ) ( FCRA ) Requires furnishers to conduct a reasonable investigation upon dispute. 
XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Prohibits unfair and deceptive collection practices in California. 
Additionally, if AllianceOne reported this debt to credit bureaus without verifying it, they are in violation of 15 U.S.C. 1681e ( b ) ( FCRA ), which requires furnishers to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: SC

Complaint narrative:
Dear CFPB and Equifax, I am writing to formally respond to Equifaxs recent reply regarding my complaint. While Equifax claims to have conducted an investigation and updated certain accounts, they have failed to provide the specific documentation I requested as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Outstanding Issues : 1. Lack of Furnisher Documentation Equifax states that certain accounts have been verified but has not provided any actual documentation from the furnishers, such as : Account statements Payment history records Charge-off documentation Proof that collection agencies have legal authority to collect the debt A mere statement that an account is verified is not sufficient under FCRA. I am requesting copies of any and all documentation used in the verification process.

2. Failure to Address Specific Disputes Some accounts were updated, but Equifax did not provide any details on whether the disputed negative marks were corrected or merely restated.

Several collection accounts remain on my report without proper validation from the original creditor.

3. FCRA Violation Negligent Non-Compliance ( 1681o ) By failing to properly investigate and provide supporting evidence, Equifax remains in non-compliance with the FCRA.

This negligence has caused financial harm by negatively impacting my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
There was no debt to begin with. I got in a standoff at an apartment I had years ago because they were charging me a $ XXXX rental insurance opt-out fee when I had rental insurance. Since it wasn't their insurance, they kept having issues " verifying '' the coverage and continued charging me. Since this $ XXXX wasn't accurate, I didn't pay it. The rental company then started charging late fees on the amount owed and tried to evict. There was ultimately no eviction as we went to court with this information and it was ruled in my favor. We ultimately decided to move after this experience and we mailed in the final rent check to their attorney as requested and was paid in full. It wasn't until months later that we started getting notices that we still owed our final month 's rent ( which wasn't true ). I had a lawyer at the time who drafted a letter to National Credit System, making them aware of this and to stop pursuing. They acknowledged it and said they were no longer pursuing the debt. However, it has continued to pop up on my credit report off and on over the years and it is getting incredibly frustrating to have to deal with this again and again and again. 

Obviously the rental dispute wasn't with National Credit System and they should honestly file a dispute with XXXX XXXX for selling them a debt that was already settled. NCS has even acknowledged this in their letter and claimed they would stop pursuing. And they did until it popped up again years later with no new evidence.

Company response to consumer: Closed with explanation