vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, I am writing to dispute the accuracy of certain collection accounts that have been reported on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. to request the IMMEDIATE REMOVAL of these accounts from my credit file due to the failure of the collection agencies to validate the debt as required by law. 1. Failure to Validate Debt Under the FDCPA, specifically 15 U.S.C. 1692g, I requested debt validation from the collection agency for these accounts. As of today, I have not received any documentation or evidence that proves I owe the alleged debt or that the collection agency has the legal right to collect on it. Without proper validation of the debt, the collection agency can not legally report this account to the credit bureaus. 2. Inaccurate Reporting under the FCRA Under the FCRA, specifically 15 U.S.C. 1681i, all information reported to the credit bureaus must be accurate and verifiable. Since the collection agency has failed to provide proof of the debt 's validity, it is my position that this information is inaccurate and should be removed from my credit report. 3. Violation of Consumer Protection Laws By failing to validate the debt within the time frame allowed under the FDCPA, the collection agency has violated my consumer rights. I am requesting that the credit bureaus investigate this matter and remove the collection accounts from my credit report as these debts are unsubstantiated. Action Requested : I request that you immediately investigate the disputed collection accounts under the FCRA. If the collection agency fails to provide proper validation of the debt, I request that these accounts be permanently removed from my credit report. I also request that you provide me with written verification of the outcome of your investigation, as required by law. Please be aware that under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. If the collection agencies can not validate the debt or substantiate the accuracy of the reported information, I ask that these collection accounts be REMOVE from 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 2025-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I signed up online for a phone line through XXXX XXXX  I paid the {$40.00} to get my line going and activated and upon complete ion the said my device wasnt compatible after going into the store. They attempted to give me a refund for the {$40.00} but was not successful through the store so they put in notes to have disputed through bank and they would note it in the account this purchase was made on XX/XX/year>. I immediately did what the company said without any hesitation and cash app denied my dispute even though the company said thats the only way to get my money back and had approved the dispute on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
My appointment was XX/XX/year> and in that time I have XXXXXXXX XXXX with XXXX XXXX XXXX XXXX, I receive the bill many times and now I received a collection letter. I do not know if XXXXXXXX XXXX XXXX  send the bill to my insurance but I dont have to pay anything. 
My reference for the collection is XXXX. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
The account for XXXX XXXX XXXX is XXXX My Medicaid number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Previous attempts to address theft through Retail ACH by Am Ex, CFPB # 's XXXX XXXX XXXX, have been unsuccessful, Am Ex has begun to fraudulently report the erroneous facts of their internal investigation. Am Ex continues to withhold my funds, reporting facts that they themselves have investigated and know to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called Comenity Bank multiple times end of last year XXXX or XX/XX/XXXX when I noticed the unknown information on my report ( I have never fully reviewed my full credit report until last year ). It came up as COMENITYBANK/VICSECRMC -The card was opened XXXX, which was not by me, with low spending until end of XXXX up to about {$7500.00}. Comenity could not locate any account linked to my information- that includes my current full name, former last name, social security number, all of my addresses, phone numbers, etc. They could not help me at all. The last time I called Comenity Bank, the representative, XXXX from Comenity Fraud Department, called me by the name, XXXX, before asking to verify my information. I told her that was not me, but she could not help me because none of my information matched or came up? 

I have disputed this already and the result came back as still on my credit report and information is consistent with mine? Which is absolutely false. I was surprised to find out the investigative process procedure only includes my dispute being sent to the company ( bank ) to verify information. Again, as above, Comenity could not link my information to any account in their system even using my social security number. So how did they confirm this is me? 

Please deeply investigate and remove this from my credit report as I did not open this card and it is not me making these charges. I have called the bank and given them all of my information and they could not link anything to me. Again, I do not have access thjs this card, do not have this card on record and 100 % not me spending on this card. If you can see what the person ordered, the address it was sent to or where they were purchasing from, I dont know, but it is not me. Please help. I am not sure what the next steps are or if it is easier to contact me to discuss this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-01-22 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: TX

Complaint narrative:
I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to keep incorrect information on my report, name, address and account information. Only the correct personal information should be on our reports.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed XXXX that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
Unauthorized inquiries reporting on my consumer FICO credit report 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 2025-01-22 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : US DEPT OF THE TREAS - Balance : {$3600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : US DEPT OF THE TREAS - Balance : {$3600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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 disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-01-22 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: TX

Complaint narrative:
I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-01-22 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 express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I request your assistance in investigating accounts reported by companies that have inaccurately listed late payments. After checking my credit report, I found certain accounts showing late payment remarks, which should not be there. These accounts should reflect no late remarks

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 2025-01-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-22 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: FL

Complaint narrative:
The following inquiries are a result of fraud and should be deleted according to 15 U.S.C. 1681 b ( c ). I have no knowledge of the following inquiries, nor have I ever given permission whether verbally or physically for the following companies to access my credit report. I have also never attained accounts with the inquiries which are listed. These entities do not have permissible purpose to pull my credit, and they are fraudulent as I have been a victim of identity theft before. 
Please remove the following inquiries Immediately as my rights have been violated. REMOVE THE FOLLOWING : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also well aware of my rights under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, which detail the civil liabilities for negligent and willful non-compliance with the FCRA . If I do not see these inquiries permanently removed within 30 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated.

Company response to consumer: Closed with non-monetary relief