vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information on my credit report, and I am requesting validation under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ). 

Upon reviewing my credit report, I have identified the following information that I believe to be inaccurate or incomplete : Debt Collector Information : Agency Name : XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Debt Information : Debt Amount : {$3200.00} Original Creditor : XXXX XXXX XXXX Account Number : XXXX In accordance with 15 USC 1681i ( a ) ( 7 ), I request that you conduct a thorough investigation of the disputed information. If you can not verify the accuracy of the disputed information within the 30-day period, please ensure that the information is corrected or removed from my credit report. 

Additionally, I request that you provide me with the following validation : Proof of the Debt : Please provide a copy of the original signed contract or agreement showing that I am liable for the debt. 
Details of the Debt : A breakdown of the total amount owed, including the original amount, interest, fees, and any other charges added. 
Creditor Information : The name of the original creditor, the account number, and their contact information. 
Proof of Assignment : If the debt has been sold or transferred, please provide proof that you are legally authorized to collect on the debt. 
Verification of Timeliness : The dates of all transactions, the last payment, and the date the debt was reported. 
Please be advised that under the FDCPA, you are required to provide this validation within 30 days of receiving this letter. Until I have received the necessary validation, I respectfully request that you cease any collection efforts, including reporting this debt to credit bureaus, until the matter is resolved. 

If you are unable to provide the requested validation, I expect that the debt will be removed from my records, and any further attempts to collect on it will be ceased immediately. 

Thank you for your prompt attention to this matter. I look forward to your response in accordance with the 30-day timeframe required by 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 explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 
XXXX XXXX Bank acct # : 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 2025-03-25 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Community Loans in ref to case # Regulatory Case Number : XXXX While XXXX XXXX does not identify in his complaint the source of the statement " UNABLE TO PROCEEDWITH PFFCRS AS LOAN HAS AN ACTIVE/UNRESOLVED BORROWER... COMPLAINT/ESCALATION, '' Community has identified it as an excerpt of XXXXXXXX XXXX XXXXXXXX comments made in XX/XX/year>. The comments concern XXXXXXXX XXXX initiation of the above-referenced foreclosure action ( PFFCRS refers to the pre-foreclosure referral review process ) and relate to correspondence submitted to XXXX by XXXX, assigned as internal XXXX case numbers XXXX, XXXX, and XXXX. XXXX XXXX requests information on the " unresolved complaint '' referenced in the loan comments. The pieces of correspondence to which the loan comments refer are not now " unresolved. '' XXXX responded via letter dated XX/XX/year>, a copy of which is Enclosure 2. This response resolved four letters This is to confirm your refusal to identify the investigation and correction that took place on the XX/XX/year> posting and why did you not resolve the issues instead you filed a foreclosure complaint on XX/XX/year> without resolving the issues in violation of TILA RESPA What Happens After You Dispute the Debt : The debt collector must stop collection efforts : They must stop calling, emailing, or sending letters until they can validate the debt. 
The debt collector must provide proof : They need to provide evidence that you owe the debt, such as the original invoice or a copy of the contract. 
If they can't validate the debt : They must stop attempting to collect the debt. 
If they can validate the debt : They can resume collection efforts, but you can still negotiate or seek other solutions. 
This document will be included in a lawsuit in Federal Court you proceeded with debt collection while your were fully aware there was an open unresolved dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX or a XXXX  as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX or a XXXX  as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-25 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: CA

Complaint narrative:
Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-25 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:
Subject : Formal Complaint Against Experian for Unlawful Re-Insertion of Fraudulent Account To Whom It May Concern, I am filing a formal complaint against Experian for unlawfully re-inserting a fraudulent account onto my credit report for the third time, despite prior confirmations that this account was fraudulent and should not be reported. 

The account in question is as follows : Account Name : XXXX Account Number : XXXX Date of Re-Insertion : XX/XX/year> This account was previously investigated and confirmed as fraudulent months ago. I personally contacted XXXXXXXX XXXX and spoke with a fraud specialist, who once again verified that XXXX is not the entity responsible for re-inserting this account. They confirmed that it is Experian that continues to reinsert the account onto my credit report. 

Pursuant to 18 U.S.C. 1028A, knowingly misrepresenting or using fraudulent information constitutes a criminal act. Experians repeated re-insertion of a fraudulent account without proper notification or validation is a clear violation of this statute, as well as my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, under 31 U.S.C. 5118, I have the right to demand accuracy and compliance in financial reporting. Experians failure to maintain an accurate record by continuously re-reporting a fraudulent account violates this federal consumer protection law. 

Additionally, per 15 U.S.C. 1681a-1681s, credit bureaus are required to notify consumers in writing before re-inserting any previously deleted information. Experian has failed to do so, further violating FCRA provisions designed to protect consumers from inaccurate and fraudulent reporting. 

I am demanding that the CFPB take immediate action to hold Experian accountable for its unlawful actions. This includes : Immediate and permanent removal of the XXXX account from my Experian credit report. 

An investigation into Experians unlawful re-insertion practices regarding fraudulent accounts. 

Appropriate penalties against Experian for violating federal consumer protection laws. 

I request that the CFPB provide me with a written response regarding the actions being taken to address this serious issue. I have attached a copy of my Experian credit report showing the re-insertion of the fraudulent account, as well as any supporting documentation related to my prior disputes and communications with XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, 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 2025-03-25 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I was online on my computer and suddenly a pup an update pop-up showed up with cursor moving, I found that very strange and immediately push control alt delete to turn off computer. Shortly after I received an email that showed two XXXX transactions one for {$98.00} & the other for {$350.00}, wipes out my funds. Left me with {$0.00}. I called my bank seconds later to report the fraud, was forced to close the checking account! I then tried opening up the computer again to reset my XXXX acct, proceeded to delete the persons name XXXX XXXX ( XXXX ) which the thief added his name to my contacts on my computer. Now my computer is offline. First Citizens Bank is investigating the fraud. Still no funds. No word. This is out of control!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Please see the attached FTC report and remove this unverified account from my credit report. I contacted the original creditor, and they could not verify the account or balance reporting. Furthermore, this account is past the statute of limitations. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: ProCollect, Inc.
State: GA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 2025-03-25 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Glory LLC
State: MI

Complaint narrative:
I was directed to their number while trying to get in touch for paying debt collection found on my credit report. I spoke with someone that I thought was from XXXX XXXX XXXX, they advised me not to pay the debt and to dispute and they could file. They charged me {$370.00} to file dispute notices and had me create a customer portal. They already had all of my information, they just had me verify. Once reading more, I have found that they do not have any success rate and have a bad online review. I confronted the company about cancelling, which they sent me a notice for and I plan to submit on time, but they informed that I am not able to be refunded and should wait until XX/XX/XXXX even though they plan to still charge me every month. I was told initially I wouldn't be charged monthly. When I told them I was going to report them after being told I couldnt have access to dispute notices, they took my access away to my online account. They told me they were accredited by XXXX and had a high rating, I looked while on the phone and they arent accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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