vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
I have asked them to remove these student loans off my record. They are not accurate please have them removed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you can not add this to my report without my permission or knowledge. 


[ XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ] XXXX, XXXX 2025 XXXX XXXX XXXX XXXX XXXX. 
Dispute Department Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

I have disputed again today after many unsuccessful disputes. 


Sincerely, [ XXXX XXXX ] [ CELL-XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have asked them to remove these student loans off my record. They are not accurate please have them removed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you can not add this to my report without my permission or knowledge. 


[ XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ] XXXX, XXXX 2025 XXXX XXXX XXXX XXXX XXXX. 
Dispute Department Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

I have disputed again today after many unsuccessful disputes. 


Sincerely, [ XXXX XXXX ] [ CELLXXXX ]

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked them to remove these student loans off my record. They are not accurate please have them removed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you can not add this to my report without my permission or knowledge. 


[ XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ] XXXX, XXXX 2025 Experian Information Solutions , Inc . 
Dispute Department Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

I have disputed again today after many unsuccessful disputes. 


Sincerely, [ XXXX XXXX ] [ CELLXXXX ]

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC, XXXX XXXX XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX, FL, XXXX Dear Sir or Madam, Re : Cease and Desist Demand Violation of Fair Debt Collection Practices Act ( FDCPA ) I am writing to formally demand that you immediately cease and desist from contacting me regarding the alleged debt referenced under account number XXXX. I assert that your continued communication violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as well as other applicable state laws. 
Background I have received multiple communications from your office attempting to collect an alleged debt. These communications include [ phone calls, letters, etc. ]. Please be advised that I dispute the validity of this debt and have already requested validation and verification of the debt from your office. Despite my request, you have failed to provide the required documentation. 
Under the FDCPA, particularly 15 U.S.C. 1692g ( a ), a debt collector is obligated to provide the debtor with written verification of the debt within 30 days of the initial communication. As of this date, I have not received any such verification.

Additionally, I remind you that under 15 U.S.C. 1692c ( c ), once a debtor has notified a debt collector in writing that they wish to cease further communication, the collector must stop all communications except for informing the debtor of certain legal actions that may be pursued.

Demand for Cease and Desist I demand that you immediately : 1. Cease and desist from all further communications with me regarding this alleged debt, including phone calls, emails, letters, and any other means of contact.

2. Provide me with written confirmation that all further collection activities related to this alleged debt have been terminated, including any reporting to credit bureaus, unless and until you provide proper debt verification as required under the FDCPA.

3. If you continue to contact me after receiving this demand, I will not hesitate to take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I will also consider initiating legal proceedings to seek damages for any violations of the FDCPA and any other relevant consumer protection laws. 
Please consider this a formal and final notice. If you fail to comply with this cease and desist request, I will pursue all available legal remedies. 
Thank you for your immediate attention to this matter. Please respond in writing to confirm that you have complied with my request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I recently reviewed my credit report and found an inaccurate late payment reported on my XXXX account ( Account Number : XXXX ). All payments have been made on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the data they report, and knowingly reporting erroneous information is a violation of this law. Specifically, TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year> and XX/XX/year>, while Equifax inaccurately reports 30-day late payments for XX/XX/year> and XX/XX/year>. Since my account status remains current and all payments have been timely, these errors must be corrected within 15 days of receipt. Additionally, I request documentation verifying compliance with 15 U.S. Code 1666b, which requires periodic statements to be delivered at least 21 days before the payment due date. Please provide the periodic statement and corresponding tracking number to confirm timely delivery. I have attached supporting documentation highlighting these inaccuracies for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Date : XX/XX/year> Subject : Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern, I am formally requesting, in writing, that you cease all communication with me except via the mailing address noted in this letter. You are prohibited from contacting me via phone, email, social media, my place of employment, or any credit reporting agencies. The only acceptable communication from you is to provide the requested information below or to confirm that this alleged debt has been deleted or updated as instructed.

Please provide the following documentation : 1. Name and address of the alleged creditor.

2. Name on file for the alleged debtor.

3. Alleged account number.

4. Date the alleged debt became payable.

5. Amount of the alleged debt.

6. Confirmation of whether this alleged debt was purchased or assigned to your agency.

7. Amount paid if the debt was purchased.

8. Commission amount if collection efforts are successful.

Failure to comply with this request will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may result in legal action against your agency. 

Sincerely, XXXX XXXX : XXXX XXXX XXXX, All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
I want to inform the Credit Bureau that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$540.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
NOTICE To CEASE AND DESIST OF REPORTING UNAUTHORIZED NAMES FRAUDULENT NAMES & ADDRESSES ACCOUNTS THAT ARE FRAUD YOUR PLATFORM HAS AND CAN SUBJECTED ME TO IDENTITY THEFT DELETE IMMEDIATELY RECENTLY REVIEWED MY CONSUMER REPORTS AND IVE NOTICED FRAUDULENT ACTIVITY I HAVE FRAUD NAMES ADDRESSES ON MY CONSUMER REPORTSTHIS IS FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURESOF MY PERSONAL INFO ACCORDANCE TO USC 16818 PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER SENT EXPERIAN TRANSUNION EQUIFAX A WRITTEN LETTER GIVING CONSENT TO REPORT FRAUD NAMES ADDRESSES PLEASE VERIFY THE LETTER I ASSUMED SENT GIVEN YOUR COMPANIES PERMISSION ACCORDANCE TO 1681 i a 6 iii how did your company verify the information i am requesting this information of the interview names and addresses of my neighbors transcripts audio videos of this interview according to the FCRA LAW TITLE 15 USC 1681i a 6 b ili PLEASE SEND INFO OR DELETE THE FRAUD INFO READS : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX MY CORRECT ADDRESS IS : MY CORRECT NAME AND ADDRESS READS : XXXX XXXX XXXX MY ADDRESS READS XXXX XXXX  XXXX XXXX XXXX, VA XXXX THANK YOU SIRS AND MAAMS

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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citibank is having an issue on their end accepting my bank 's ebilling. This has led to paper checks being issued the past couple of months. I am paying on time, but they are not processing the payment in a timely manner. My fee was waived in XXXX but they will not waive the XXXX. I had been told this was an error in their system that was being fixed. I've been a customer for XXXX yrs and pay my bills in full and on time. They should be waiving fees while this error is occurring. My fee/interest in XXXX was over {$200.00}.

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 2025-03-18 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I deposited my Federal Tax Refund check issues by the XXXX XXXX XXXX  on XX/XX/XXXX and my bank PNC Bank, has placed a hold on it until XX/XX/XXXX ( or a possible extension ) to hold that money. I have not been give a clear answer as to why my funds are being held and I've never had this happen in any situation, in any tax year of my life. I am not getting any help, clarification or assistance in trying to figure out why PNC is going to hold my Federal Tax Return check for 14 day ( minimum according to PNC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$250.00} XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX BALANCED {$41.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$340.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$3400.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$310.00} XXXX XXXX XXXX BALANCED {$850.00} XXXX XXXX XXXX BALANCED {$450.00} XXXX XXXX BALANCED {$1700.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, There is a charter communication account on my 3 bureaus that I didnt authorize or give anyone permission to open

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