vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: OH

Complaint narrative:
On XX/XX/year>, Wilber issued a letter claiming I owed money related to a car accident. However, it did not include any clear instructions on how to dispute the debt ( or even that I had a right to dispute it ), only information on how to pay. This was the first notice I received, and I had no prior knowledge that I was being held responsible for anything. 

Less than two weeks later, on XX/XX/year>, I received a second letter from Wilber stating they had already submitted my information to the XXXX to suspend my drivers license. At this point, I still had no opportunity to formally dispute the debt. 

On XX/XX/year>, I mailed a dispute letter directly to Wilber, stating that I was formally disputing the debt under the FDCPA ( 15 U.S.C. 1692g ). I clearly requested that they place the account on hold, provide formal debt validation, and cease collection activity. This was done within the 30-day window from receiving their first notice. 

On XX/XX/year>, I received a response letter from Wilber dated XX/XX/year>. In this response, they stated that their client, XXXX XXXX, had paid their insured and that they believed I was responsible. However, they included no proof, no documentation, and no explanation of how liability was determined. 

They also stated that the amount owed may increase, which I found coercive and inappropriate, especially since I was actively trying to dispute the matter in good faith. 

I believe Wilber has violated the Fair Debt Collection Practices Act ( FDCPA ) by : Failing to provide adequate notice of my right to dispute the debt Taking serious legal action ( license suspension ) before giving me a chance to respond Refusing to validate the debt upon request Using language that feels threatening or misleading during an active dispute I respectfully request that this matter be investigated and that Wilber be held accountable for any violations of consumer protection laws. Most importantly, I request that the collection agency provide full validation of the debt, all documentation proving my legal liability, and a clear way to dispute the claim.

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

Complaint narrative:
I was exposed to the XXXX XXXX XXXX. I have fraudulent accounts and hard inquiries on my account that's not mine.I 'm attaching my ID theft report, FCRA-605B, impact statement, also confirm of my Data Breach. Listed below are the accounts. 

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 Also here are the hard inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2025-04-01 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$450.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$200.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/year> I received a notification from Credit Karma that my credit score has gone up XXXX points. My credit score has not reflected that and has given false information thats really discouraging. I tried contacting them and they could not give me information as to why I received the notification and that they were unsure if my credit score was going up XXXX points or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I am writing to file a formal complaint against Truist Bank for their failure to uphold consumer protection standards in a credit card dispute. I am a Truist credit card holder, and I have been egregiously wronged in a dispute with a merchant, XXXX. 

To provide context, my husband and I made XXXX purchases from XXXX on XX/XX/year> : A XXXX XXXX  XXXX  for {$630.00} A warranty for the XXXX XXXX XXXX for {$69.00} Memory for {$410.00} The XXXX XXXX XXXX was delivered in a damaged and open box and was defective. The memory was not as described in the product listing. I initiated return requests with XXXX on XX/XX/year>, for both items. The XXXX XXXX XXXX was returned on XX/XX/year>, and the memory was returned on XX/XX/year>. 

Despite XXXX 's return policy stating " 30-Day Hassle-Free Returns '' and assurances of refunds, I have not received any credit to my account. Instead of issuing refunds, XXXX attempted to send unwanted replacement items, which I refused. XXXX, now a marketplace favoring third-party sellers, kept my {$1100.00} and the returned goods a situation I consider theft. 

I have made numerous attempts to resolve this issue with both XXXX and Truist. I contacted XXXX multiple times via email, phone, and chat support. I also contacted Truist multiple times via email and phone to dispute these charges. 

My experience with Truist 's customer service has been extremely unsatisfactory. When calling Truist, I was often routed to customer service representatives located outside of the United States. These representatives demonstrated a lack of understanding of United States credit card laws, dispute resolution processes and lack of knowledge hindered their ability to provide adequate assistance. 

Truist has failed to protect my rights as a consumer. I have returned the merchandise as required, yet I am still being held financially responsible. This situation is unacceptable and, as I expressed to them, facilitates a climate where consumers are vulnerable to fraud and unfair business practices. 

I am seeking your assistance to investigate this matter and help me recover the funds owed to me. I have attached all relevant documentation, including transaction records and return confirmations to support my complaint. 

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

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
I submitted a formal debt validation request to IQ Data International on [ insert date you sent the letter ] regarding an alleged debt from the original creditor XXXX XXXX XXXX. The account appeared on my credit report with a balance of {$7200.00} and an account number that begins with XXXX. 

My request, which was sent via certified mail, included a clear demand for documentation as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681. Specifically, I asked for proof of debt, full account details, original agreement, assignment of debt, and proof that IQ Data International is licensed to collect in the state of Nevada. 

As of todays date, more than 30 days have passed, and I have received no response of any kind from IQ Data International. They have failed to provide the requested validation, which violates my rights under the FDCPA. The continued reporting of this unvalidated debt may also violate the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB assist in : XXXX. Compelling IQ Data International to provide full validation, XXXX XXXX. Requiring the removal of the account from all credit bureaus and a cease of all collection activity.

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

Complaint narrative:
Im reaching out to dispute an inquiry on my credit report that was made without my permission. I did not authorize this to pull my credit, and I am certain this was done without my consent. This is an unauthorized and fraudulent inquiry that should not be appearing on my report.

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

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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$0.00} The discrepancies found in this account 's credit report do not conform to the generally recognized reporting standards. It is an issue of reliability rather than an error. I implore you to give this issue your full attention. Kindly check the errors right away. In the report, make sure to remove them. 

XXXX XXXX XXXX - Account # XXXX Balance : {$0.00} The accuracy of the data in credit reports affects a person 's reputation and availability of opportunities. Any mistake, no matter how minor, can have far-reaching effects that could endanger my future. Please review, and if there are any inconsistencies, it is imperative that they be fixed or, if that is not feasible, removed right away. Action on this issue would be greatly appreciated. 

XXXX - Account # XXXX Balance : {$2500.00} Given the disparities in the credit report pertaining to this account, it appears that the reporting guidelines have been broken. These mistakes shouldn't be tolerated, whether they were deliberate or not. A thorough review ought to be carried out right away, in my opinion. Eliminating these disparities is very important. I ask that the inaccurate information be immediately expunged. 

XXXX - Account # XXXX Balance : {$0.00} Credit reports depend on accuracy standards being followed in order to remain intact. The report 's credibility is called into question by your seeming departure from these guidelines. I implore you to investigate the contested information and take appropriate action. In order to emphasize the gravity of errors, any inaccuracies should be removed right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im writing to address a serious issue with my credit report. It appears that an account has been mistakenly mixed with my information and belongs to someone else entirely. This is causing significant confusion, and I need this corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent and unauthorized inquiries that have appeared on my credit report. The inquiries in question are listed below : XXXX XXXXXXXX XXXX  - XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  - Mortgage Companies XX/XX/year> XXXX XXXX XXXX - Mortgage Companies XX/XX/year> XXXX XXXX Mortgage Companies XX/XX/year> XXXX - Mortgage Companies XX/XX/year> These inquiries were made without my permission and are a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations , which mandate that any access to my credit report must be authorized by me, the consumer. I have not authorized the above companies to access my credit information, nor was there any legitimate purpose for these inquiries. As these inquiries are fraudulent and unauthorized, I am requesting that they be immediately deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
I filed disputes for my checking account//debit card and my credit builder card from various companies I didn't recognize. After making me wait 2 weeks they send an email telling me my request was denied and giving me no reason why or evidence why I was denied.

Company response to consumer: Closed with explanation