vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
In accordance with the Fair credit reporting act the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On ( XX/XX/2024 ) Aldous and Associates The amount of the debt is {$400.00}. 

I have never signed any written document saying that I owe this debt collection. 

They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to alleged company. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please have this removed from all three bureaus. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am writing to formally request debt validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) -15 U.S.C 1692g. I recently received a notice from your agency regarding an alleged debt, and before I take any action, I am requesting full validation of the debt, as required by federal law.

Per FDCPA, please provide the following : 1. Proof that I owe this debt, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including principal, interest, fees, and any other charges.

3. The name and address of the original creditor, as well as the original account number.

4. Proof that your agency is legally authorized to collect this debt.

Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus, as required under 15 U.S.C. 1692g ( b ). If you fail to provide proper validation, I. expect that you remove this account from my credit report immediately and cease any further contact regarding this matter.

Additionally, under 15 U.S.C. 1692c, I formally request that all communication regarding this debt be conducted in writing only.

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 2025-03-10 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: Cooling & Winter LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX a lot of companies uses my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 recently received a copy of my credit report and noticed severalI recently received my credit report and noticed several inaccuracies that do not belong to me and affecting my life in the most detrimental way possible and creating undue hardship.

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 2025-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed two accounts on my credit report XXXX XXXX and XXXX XXXX XXXX. Between all three credit reporting agencies Experian Equifax TransUnion the dates and information are not the same violating the fair credit reporting act 15U.S.C 1681 There are inaccuracies of information dates are not the same when accounts were closed and when last payment was received also the date of when the account was opened is different making the information incorrect and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

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 Experian, 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 | 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 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I moved from XXXX to XXXX years ago and this is the second attempt at a debt never owed. It was paid in full and this is the second illegal attempt to collect this debt. XXXX was previous debt collector and now its been sold and put on my credit again

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX failed to send me a letter of validation with shows my wet signature.

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 2025-03-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
I received a call from XXXXXXXX XXXX stating I owed money. Haven't had a XXXX XXXX card since 2013. Then I received a notice from a collection agency regarding this matter. I have requested documentation for this issue and they never responded. Then I was served a summons that this company has filed a suite against me and the summons was served less than 24 hours before the court hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company has again refused to investigate issues for acccounts XXXX XXXX XXXX XXXXXXXX XXXX VIOLATION U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Company was made aware of XXXX updated file as well as deletion files for fraud and refused to delete accounts

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Majority USA, LLC
State: GA

Complaint narrative:
Urgent Complaint Missing Transfer ( Transaction ID : XXXX ) Dear MAJORITY Support Team, I am writing to formally file a complaint regarding an international transfer I made on XX/XX/year>, from my MAJORITY account to a XXXX XXXX account in USD. To date, the money has not been received, and XXXX confirms that there is no record of any incoming transaction. 

Transaction Details : Date of transfer : XX/XX/year>, at XXXX PM Origin account : XXXX ( MAJORITY Account ) Destination account : XXXX ( XXXX XXXX USD Savings Account ) Beneficiary name : XXXX XXXX XXXX XXXX ID : XXXX XXXX Amount sent : XXXX PEN ( equivalent to XXXX USD at conversion rate ) Ordering bank : XXXX XXXX XXXX XXXX XXXX. 
Status : Completed ( as per transaction receipt ) Transaction ID : XXXX I have provided XXXX account statements for the corresponding month as proof that the funds never arrived in the destination account. However, I keep receiving the same automated response from your team, stating that the funds were sent, without providing any verifiable proof of a successfully processed transaction. 

Identified Issue : I understand that MAJORITY automatically converts the currency before sending funds. However, since I provided a USD account as the destination, if there was an issue with the currency conversion, the transfer should have been rejected and returned to my MAJORITY account. This has not happened. 

Additionally, the transaction receipt states that the ordering bank was XXXX XXXX XXXX XXXX XXXX, which suggests that an intermediary bank was involved. If so, I need confirmation of the exact path the funds took and which institution currently holds them. 

I Request : 1. Clear and verifiable proof of the transfer, including the XXXX code or a detailed receipt showing the destination account details. 
2. Confirmation from the intermediary bank ( if applicable ) to track the transfer.

3. An immediate refund if the transaction can not be located or if there was an error in processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of negative information from my credit report that has exceeded the seven-year reporting limit, as specified by the Fair Credit Reporting Act ( FCRA ).

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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXXXX XXXX XXXXXXXX ...., XXXX XXXX XXXXXXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I use to hold a credit card of XXXX  that was provided by wells fargo [ the account was closed by the bank ] but the report that was submitted to the bureau of credit that customer closed the account. I disputed the information direct with wells fargo on XXXX XXXX XXXX. And they send the information to the executive office but they only talk about they had the right to closed it, and I don't denied that but I am asking to fix the wrong information provided to the bureaus of credits, they event told me to go to court...

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 2025-03-10 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:
I was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : 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 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
In accordance with the Fair credit reporting act the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

On ( XXXX ) LVNV Funding LLC opened a collection on my credit report.

The amount of the debt is {$140.00} I have never signed any written document saying that I owe this debt collection.

They are violating my rights of the FCRA as a consumer.

I do not know who they are and have no written consent from my end.

Also, they have not verified that I owe this debt to the alleged company. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please have this removed from all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company repeatedly calls all 7 days of the week Sunday-Saturday latest call received was around XXXX pm. They called both my parents and threatened them that Id be in serious trouble if I dont resolve a claim filed against me. They left me many voicemails stating they would show up to my job or do whatever it took to get me to respond. Also wished me luck if I didnt get back to them in a timely manner. This company agreed to having my mother and step fathers number in there records and I asked them to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

I have attached a copy of my ID, the FTC complaint, copy of the XXXX reports proving my information has been exposed in a national database and a copy of the validation of debt letter.

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