vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XXXX XXXX XXXX XXXX Credit Collection Services XXXX, XXXX XXXX : Debt Validation Request for Account Dear Credit Collection Services, I am writing to request validation of the debt you claim I owe on account number.I received a communication from your company stating that I owe $ XXXXHowever, I do not recall the specifics of this debt, and I need verification to ensure the accuracy of this claim. 

To facilitate this process, please provide the following documentation : 1. A copy of the original contract or agreement between the original creditor and myself.

2. A detailed breakdown of the debt, including the principal amount, interest, and fees.

3. Proof of your company 's authority to collect this debt.

4. Verification of my name, address, and account number associated with this debt. 

Please provide this information within 30 days of receiving this letter. If I do not receive a response or the requested documentation, I will assume that the debt is not valid, and I will not make any further payments. 

Sincerely, 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have hard inquiries on my report from the same company several of times. I think I have fraudulent activity.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have hard inquiries on my report from the same company several of times. I think I have fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-04-09 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
the account closed on XX/XX/year>. I have called twice but each time Citibank claimed 5-7 business days mail. Till now it's nearly two months I still do not receive the remaining {$320.00}.

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 monetary relief
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-09 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing a rental debt reported by XXXX XXXX on my Experian credit report. I have never received any documentation validating this debt no lease, no itemized charges, no billing statement from either Experian or XXXX XXXX. Despite this, Experian marked the account verified. 

On XX/XX/year>, I contacted Experian and spoke with a representative named XXXX ( call confirmation number XXXX ). When I asked what documentation was used to verify the debt, XXXX stated that no documentation is required, Experian does not retain or review evidence, and he could not tell me what was used to verify the account. I requested to escalate the call and was told supervisors were not available. I was offered no resolution and no transparency. 

The apartment complex associated with the reported debt was owned by multiple different companies, and those companies have admitted to billing issues and incorrect charges during those transitions. I have never received a breakdown of the charges, an explanation of how the balance was calculated, or who submitted the debt. 

This same account was removed by XXXX due to lack of verification. It is unclear how Experian was able to verify it when no party has provided any documentation to me. 

Experian has failed to conduct a reasonable investigation under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: OK

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these 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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter.

Please provide : 1. **Documentation that verifies the debt** : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. **Detailed accounting of the debt** : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. **Verification that your company is legally entitled** to collect this debt : Details such as licensing documentation if required in my state.

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( XXXX, XXXX, and XXXX ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT, ACCOUNT NO. XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 TO SECTION 2 : ALSO STATES THAT A CONSUMER REPORTING AGENCY MAY NOT PROVIDE AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-04-09 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: MA

Complaint narrative:
I am writing to formally follow up on my prior disputes regarding several inaccurate entries on my credit report. It is extremely disappointing to see that the reporting continues to reflect misinformation, and my concerns have not been appropriately addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
I am writing to formally follow up on my prior disputes regarding several inaccurate entries on my credit report. It is extremely disappointing to see that the reporting continues to reflect misinformation, and my concerns have not been appropriately addressed.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I contacted my insurance company, USAA in early XXXX, XXXX, again on XX/XX/XXXX and yesterday XX/XX/XXXX. Ive spent hours on the phone waiting or explaining the situation to endless departments when being transferred. A insurance premium refund in the amount of $ XXXX was sent to me at a former address in XXXX  by UsAA . I became aware of this in XXXX, XXXX  because it was at risk of being sent to Unclaimed Property in the state I lived in at the time ( Virginia ). I provided USAA with my information and they sent a letter saying they needed more information even though the letter was addressed to me. USAA told me they were processing the check and it could take up to 60 days. It never arrived and I called back and they stated it got sent to Unclaimed Property and to check www.usa.gov/XXXX I have checked that site numerous times and my refund check is not there. USAA can not tell me where they sent the policy refund check and it is a rather higher amount of nearly {$2700.00}. I would like to speak to a Manager with the company who can locate the check or issue a new one. I can not spend any more hours on the phone with UsAA representatives who cant assist me properly and I would like this matter resolved.

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 2025-04-09 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: NY

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 2025-04-09 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:
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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Summary : I applied for a business credit card through American Express. The application clearly stated that my Social Security Number ( SSN ) was only needed to verify my identity. Despite this, I received a denial letter stating that my personal credit score ( XXXX  ) from XXXX was used to make the decision. I did not authorize a credit inquiry for the purposes of determining creditworthiness, and the language on the application led me to believe none would occur. 

What happened : On XX/XX/XXXX, I submitted an application for the American Express XXXX XXXX XXXX XXXX. 

The application portal stated that my SSN was needed to verify your identity. 

On XX/XX/year>, I received a letter from American Express stating that my application was declined because of my personal XXXX  score, pulled from XXXX. 

I never received proper notice or consent that my credit report would be used in this way, and I would not have applied had I known my credit would be evaluated. 

Issues to flag : Misrepresentation or deceptive language on the application. 

Improper or unauthorized use of my personal credit report. 

Possible violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX CA XXXX EXPERIAN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Cease and Desist Letters Pursuant to 15 U.S.C. 1692c ( c ) This letter is a formal notice pursuant to 15 U.S.C. 1692c ( c ) that I refuse to pay the alleged debt associated with accounts reporting illegally to my credit file : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXXs Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Student Loan # XXXX Account XXXX XXXX XXXX XXXX Student Loan # XXXX Account # : XXXX I demand that you cease all communication with me through any medium, including verbal, electronic, and most importantly, reporting to ANY consumer reporting agencies ( including Experian, TransUnion, Equifax ) XXXXThe only acceptable communication from your office shall be via U.S. mail, solely to confirm the permanent deletion of this account from ALL consumer reports . XXXXAdditionally, I demand the method of verification used in your prior investigation. I am concerned with the validity and accuracy of your findings. Please provide answers to the following XXXX XXXX 1. What did your representatives uncover that validated your reporting? \n 2. What certified documents were used to reach this conclusion? \n 3. Provide a complete copy of all information transmitted to the data furnisher.\n 4. What was the cost of obtaining these documents? \n 5. Show proof of timely procurement of certified records.\n 6. Did you speak with a live representative of the furnisher? \n a. Who? b. When? c. How long? d. What was their role? e. What number was called? f. Which employee on your team made the call? \n 7. Provide the date of first delinquency.\n 8. Provide the exact date this account is scheduled to stop reporting.\n\nIf you can not provide full and verifiable documentation within 15 days, I demand the immediate and permanent removal of ALL accounts mentioned in this dispute letter immediatelyXXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year>

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 2025-04-09 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: DE

Complaint narrative:
On XX/XX/XXXX I contacted Equifax and Experian to remove the medical bills from my credit report. These bills are in collections and clearly state the originator is a medical facility. I filed disputes and they declined to take it off. XX/XX/XXXX enacted the new bill which disallows credit reporters to display medical debt on crediting reports. These two companies are not in compliance to the new law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-09 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation