vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear XXXX, I am writing to request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please treat this letter as a formal request for verification of the debt in question.

The details of the debt you are claiming are as follows : Account Number : XXXX Amount Owed : XXXX Creditor Name : XXXX Please provide me with the following information to validate the debt : The amount of the debt, including a breakdown of any fees or interest charges that have been added. 

The name of the creditor to whom the debt is currently owed. 

A copy of the original signed contract or agreement, or some other evidence of my responsibility for this debt. 

A complete history of any payments made on the account, if applicable. 

Any judgment, lien, or collection proceedings related to this debt. 

In accordance with the FDCPA, I ask that you cease any collection activities until the debt has been validated. Additionally, I request that you provide me with documentation showing that you are authorized to collect this debt on behalf of the creditor. 

Please send all correspondence to the address listed above. If you fail to provide the requested information, I will consider this matter resolved and will take appropriate action as necessary to protect my rights. 

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely,

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 2025-03-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am putting in this report because I initially reached out to XXXX XXXX and XXXXXXXX XXXX about unauthorized and fraudulent inquiries, after not receiving proper assistance from them I then reached out to equifax about this inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone XXXX Inquiry date XXXX Also this inquiry on Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone XXXX After going through the verification process with both Experian and equifax I was told on the phone by both credit bureaus to reach out to CFPB To help assist or give authorization to remove these unauthorized and fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
CFPB Complaint In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Account # XXXX HARD INQUIRY : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The accounts have violated my rights under the following provisions : 15 U.S.C. 1681 ( a ) ( 4 ) : I have a right to privacy.

15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency may not furnish a consumer report without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include in a consumer report any adverse information ( other than records of convictions ) that predates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
CFPB Complaint In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Account # XXXX HARD INQUIRY : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The accounts have violated my rights under the following provisions : 15 U.S.C. 1681 ( a ) ( 4 ) : I have a right to privacy.

15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency may not furnish a consumer report without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include in a consumer report any adverse information ( other than records of convictions ) that predates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My business account has been overdrawn for monies that were deposited and returned however I never received a letter regarding the reason why the monies were returned nor was I allowed online access to my business account.

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 2025-03-24 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: IL

Complaint narrative:
My credit was pulled at several car dealership without my knowledge the dealership never gave a written copy of any of the loan processor/financial source who would receive my information, I was never shown any vehicle of interest they would not allow me to proceed without them running my credit. I started receiving mail from all over the place from finance companies that I did not even know, had my social security number I don't know who hands my personal information was place in I contacted Experian and disputed this is fraud they did not care they left all these inquires on my credit report I never authorize these inquires. 
Inquires : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
My credit was pulled at several car dealership without my knowledge the dealership never gave a written copy of any of the loan processor/financial source who would receive my information, I was never shown any vehicle of interest they would not allow me to proceed without them running my credit. I started receiving mail from all over the place from finance companies that I did not even know, had my social security number I don't know who hands my personal information was place in I contacted Experian and disputed this is fraud they did not care they left all these inquires on my credit report I never authorize these inquires. 
Inquires : 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I contacted Southern Management SY ( also known as Southern Management Systems ), a debt collector located in XXXX, FL XXXX, regarding a collection account on my credit report for {$1000.00}, with an alleged debt date from XX/XX/XXXX. 
On XX/XX/XXXX, I requested the name and contact information of the original creditor, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). The representative refused to provide this information, claiming they were not authorized to disclose it. 

This refusal has prevented me from verifying or resolving the debt directly, and I believe it violates my rights under the FDCPAs debt validation and disclosure requirements. Additionally, the debt is from XX/XX/XXXX, and appears to be past the statute of limitations in Florida, yet collection efforts continue without proper validation. 

Furthermore, Southern Management SY operates the website XXXX  and has a XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX  with 203 consumer complaints filed. This indicates a pattern of consumer issues regarding their collection practices. 

Details : Collection Amount : {$1000.00} Debt Date : XX/XX/XXXX Collector : Southern Management SY / Southern Management Systems, XXXX, FL XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX complaints Date of Refusal : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX I got a text message from CitiBank XXXX me to suspicious transactions on my credit card. I checked my account online and find XXXX pending transactions made on that day. I responded to CitiBank and told them I did not make any of those purchases. Two of those transactions did not post, but XXXX of them, for {$XXXX} at XXXX XXXX, did post to my account. I have never been to that merchant. I did not use the credit card at all that day. Since then fees and penalties have accumulated. CitiBank 's automated system calls my phone daily. My credit profile has been hurt. I have called CitiBank repeatedly, and nothing has been done. No effort has been made to find out what actually happened. 
Something unusual had happened with the credit card. In XXXX the card expired, and I did not receive a replacement. In XXXX I contacted CitiBank, and they sent me a card with the same account number as before ( even though they were informed that the replacement card never arrived ). Then in XXXX the transactions mentioned above occurred. As far as I can tell, nobody at CitiBank has taken any of this into consideration. They seem to have done nothing at all to look into the matter.

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 2025-03-24 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: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
I become aware of my idenity theft some time in XXXX. I saw this account opened under my name. I plan on disputing this account and sending this report to the three major credit bureaus. I have no association with this account or had any knowledge of them being opened until XXXX XXXX. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
They closed my credit card account at chase bank so I applied for a new card with them they sent the new card out then they said they closed that account after they opened it and sent me a new card I dont feel I did anything wrong I disputed items I never recived so why would they be able to close my card after issuing me a new account I dont understand why they did it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report, please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I made payment arrangements online in early XXXX  2025 with the first payment being deducted from my checking account on XXXX XXXX 2025 and again on XXXX XXXX, 2025. However on XXXX XXXX, 2025 they processed a judgement against me for a higher total amount. When I called and asked them to fix this with something in writing stating they would not garnish my wages nor collect the higher balance I was told they couldn't give me either of those things. I don't understand why I would need to continue the voluntary payments when they can garnish me at the same time and for an amount that is higher than the amount I made the payment arrangements for?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/scrub>3/2/2022. {$460.00}, I sent money to what I thought was a relative and it was the wrong phone number. I instantly contacted the bank, to stop the transaction and they told me there was nothing they could do, they could not reverse the charges. I was out of luck and they couldnt help 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) [ XXXX or CFPB Address, Subject : Authorization for Investigation Regarding Delayed Credit Report Updates Dear XXXX XXXX XXXXConsumer Financial Protection Bureau XXXX This letter serves as formal authorization for the XXXX and/or CFPB to conduct a full and thorough investigation into the ongoing delays in updating my credit report. Specifically, I am concerned about XXXX, XXXX, XXXXXXXX XXXX XXXX. For example : " the accounts with sold that I've never held a conversation with nor deal I have made attempts to resolve but the issues remain unresolved. As of today, XXXX, these inaccuracies have persisted for over a month. 
I hereby grant the XXXX and/or CFPB full permission to : * Obtain any and all relevant documentation from Creditors and any other parties deemed necessary including hard pulls to my credit from this year * Contact me directly for any additional information required for the investigation. 
* Take any and all actions deemed appropriate to facilitate the prompt and accurate correction of my credit report. 
I understand that the accuracy of my credit report is crucial for my financial well-being, and I am deeply concerned about the prolonged delays in resolving these issues. I am committed to cooperating fully with your investigation and providing any necessary assistance.

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 2025-03-24 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. Per 15 USC 1681e ( b ), my consumer report contains numerous violations concerning the inaccuracy & incompleteness of accounts being reported to all credit bureaus. The accounts possess insufficient information concerning my payment history. Violations will be documented and attached for each account.

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 2025-03-24 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: T.S. Holdings
State: GA

Complaint narrative:
RE : IQ DATA INTERNATIONAL account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by IQ DATA INTERNATIONAL in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a victim of identity theft and i sent a cease and desist, and also sent a FTC

Company response to consumer: Closed with explanation