vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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, Engelhardt V. Gravens ( 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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Full Circle Financial Services, LLC
State: TN

Complaint narrative:
I called on XXXX to ask a question and asked the agent to verify me another way and he shared my social security number without my consent. Agent said his name was XXXX XXXX. I also told him I was working with XXXX XXXX and was advised the offer was {$1300.00}, but they are requesting more. He cut me off and would not allow me to ask a question. After ending the call he blocked me. I am unable to reach the company back via phone would like to know if they are saying the settlement offer agreed is no longer an option. Can someone help me with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Re-Reported Collection Account Request for Immediate Removal To Whom It May Concern, I am formally disputing a collection account that has been reinserted into my Equifax credit report without proper validation or written notification, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is listed under the name XXXX XXXX XXXX XXXX XXXX XXXX. This item was previously deleted from my report and has now been re-reported without written notice, as required by FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that the consumer be notified within XXXX business days of any reinsertion. 

Additionally, I filed a formal validation request with XXXX & XXXX, who responded that they would mail documentation. However, I have not received any verification to date. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is prohibited from continuing collection or reporting activities until validation is provided. 

I requested the following information, which remains outstanding : 1.The name and address of the original creditor and the current creditor.

2.Verification of the debt amount being collected, including evidence that a contract exists creating the amount claimed.

3.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4.Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust, and then back to the original creditor.

Therefore, I respectfully request that Equifax : 1.Remove the account from my credit report immediately due to reinsertion without notice.

2.Investigate the account and require XXXX & XXXX to provide documented validation, as required under the FCRA and FDCPA. 
3.Confirm whether Equifax followed all FCRA reinsertion notice procedures. 
Attached : A copy of my original CFPB complaint. 
XXXX XXXX XXXX response stating verification would be mailed. Please consider this a formal request for reinvestigation under FCRA 15 U.S.C. 1681i. Until proper validation is received, this account should not appear on my credit report. I request that this account be removed from my credit report within 15 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
Someone Stole My Identity, My Social Security Number & Used My Name To Open Up An Account That I Did Not Authorize, I Did Not Authorize This Loan From " XXXX XXXX XXXX '' For {$3.00} This Account Is Not Mine, Please Delete This From My Credit Report ASAP. THANK 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I was looking to purchase a mobile home on XXXX XXXX. The advertisement was the {$1000.00} was for a list of mobile home parks in Florida but I never received it. Then he requested another {$2000.00} to reserve the home that cost a total of {$13000.00}. I sent a total of {$8000.00}. He stated that he did not receive {$8000.00}, but the XXXX XXXX XXXX  Detective XXXX XXXX, stated that he subpoenaed records from XXXX AND XXXX XXXX indeed received {$8000.00}, and Detective XXXX XXXX sent me the proof. 

I notified Truist bank immediately about the scam and they refused to help me. They wanted to know how did I send the money and I told them I sent it through their banks website. The lady taking the report kept insisting I used the app and I stated no, I used their bank to send it. I filed an appeal with Truist, and was denied. Truist stated that I received a benefit from the transaction but I received anything. No list of mobile home lots for rent. NOTHING!!! Truist still denied me. 

The person that I dealt with XXXX XXXX was named XXXX XXXX, at least that was the name that he went by. He stated that I refuse to send them the remainder of the {$7000.00}. Our written agreement was for XXXX now and XXXX on delivery and that is what he agreed to via chat or text but it was still in writing. 

I sent the XXXX XXXX detective all my documents. Attached below is his email to verify and the case number. I still have all of my documents.

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 2025-05-06 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 am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to XXXX XXXX. XXXX, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. XXXXb ( XXXX ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. XXXX ( XXXX ). 

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention. 
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections XXXXXXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain inaccurate information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I am requesting that these items be investigated and either corrected or removed due to their inaccuracy and unreliability.

The FCRA requires that credit reporting agencies maintain maximum possible accuracy in the information they report. Section 1681e ( b ) states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. '' Additionally, under Section 1681i ( a ) ( 5 ) ( A ), if an investigation concludes that the information is inaccurate or can not be verified, the CRA must promptly delete that item from the consumer 's file. 

The following accounts are in dispute due to fraud 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  Please conduct an investigation into these matters and provide written confirmation of the results. If the information can not be verified, it must be deleted from my credit report in accordance with the law. 

Enclosed are copies of supporting documentation ( e.g., credit report, ID, proof of address, statements ) to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX time period provided by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 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 2025-05-06 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XXXX Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting my mortgage late four times 1- 30 day 1-90 day this information is incorrect. I was never late The loan was modified during Covid and Per FCRA no payment may be reported Late. XXXX XXXX XXXX is not providing proof nor is Transunion proving that the investigation was conducted. 
They are also reporting the following accounts as charged off with balances. 
XXXX XXXX XXXX XXXX. All these Accounts are reporting balances. Please Investigate these accounts with Transunion. 

Thank you 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 2025-05-06 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I was charged a foreign transaction fee by American Express for a car rental purchase made in XXXX XXXX. XXXX XXXX is a U.S. territory that uses U.S. dollars, and I booked a domestic car rental at a XXXX location in XXXX XXXX. I used my Amex Blue card expecting a domestic transaction. 

Amex initially claimed that the fee was applied because XXXX XXXX is considered foreign, which is factually incorrect. Later, they stated the charge was processed in euros by the merchant ( XXXX  ). However, at no point during the booking process was I notified that the charge would be converted to euros or processed internationally. I made the purchase in good faith, expecting a U.S.-based transaction in U.S. dollars . 

American Express has refused to reverse the foreign transaction fee or take accountability for the misleading nature of the charge, despite this being a domestic service in a U.S. territory.

I am requesting a reversal of the foreign transaction fee and for Amex to acknowledge the need for transparency when foreign currency is applied to domestic U.S. territory transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is Provided. 

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST Debt Buyer XX/XX/year> Collection account. {$1200.00} past due as of XX/XX/year>. 
XX/XX/year> {$1200.00} XX/XX/year> 0 % {$1200.00} {$1200.00} Re-aging debt, where a debt collector updates the date of delinquency on a credit report, is generally illegal under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

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 2025-05-06 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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