vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MI

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 2025-01-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2025-01-27 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: OH

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX : Account # : XXXXDate Opened XX/XX/XXXX XXXX Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXXDate Opened : XX/XX/XXXX XXXX XXXX CARD Account # **** ******** XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  Account # **** ******** XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) Account # XXXX Date Opened : 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 2025-01-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a formal complaint against State Employees Credit Union ( SECU ) concerning their improper handling of negotiable instruments I provided and the subsequent inaccurate reporting to credit agencies. 

As an informed consumer, I understand the obligations financial institutions have under the Uniform Commercial Code ( UCC ), particularly regarding the processing of negotiable instruments. According to UCC 3-104, a negotiable instrument is defined as an unconditional promise or order to pay a fixed amount of money, payable to bearer or to order at the time it is issued or first comes into possession of a holder, and payable on demand or at a definite time. 

In accordance with these provisions, I submitted certified negotiable instruments to XXXX as payments. However, XXXX failed to process these instruments appropriately. Some were ignored without justification, and others were neither processed nor returned to me. This negligence has led to unauthorized transfers of my securities to third-party agencies without my consent. 

Furthermore, XXXX closed my account without proper notice and reported inaccurate information to credit reporting agencies, adversely affecting my credit standing. 

I request the Consumer Financial Protection Bureau to investigate SECUs actions concerning : XXXX. The mishandling and non-return of negotiable instruments I provided. 
XXXX. Unauthorized transfer of my securities to third parties. 
XXXX. The closure of my account without due process. 
XXXX. The dissemination of false information to credit reporting agencies. 

I seek remediation for the financial and reputational harm caused by SECUs actions and assurance that such practices are rectified to prevent future occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently the CFPB fined XXXX XXXX Million Dollars for failure to conduct proper investigations of consumer disputes. The CFPB found XXXX ignored consumer documents and evidence submitted with disputes. 

There is a bankruptcy appearing in my Credit report. I disputed this item with Experian and the Data Furnisher XXXX XXXX. The Data Furnisher, XXXX XXXX agreed, removed the item and provided me with written proof. ( see attached ). To spite written proof from the Data Furnisher, Experian did not remove the item. I submitted a request for a reinvestigation. I requested evidence ( physically verifiable ) that they verified the information to be accurate and compliant. Experian verified the information via a third party other than the Original data furnisher and ignored the 100 % verifiable proof from the Data Furnisher that the item was inaccurate and should be removed. This is the exact conduct that led the CFPB to fine XXXX XXXX XXXX dollars.

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 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I don't know this company. I have ask to properly verify debt according to texas laws. If this is a collection agency I am requesting thr name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX RE : Stop all debt collection calls & notices and communication Amsher Collection service Reference number : XXXX This letter is in response to all letters, emails, phone calls, or any other medium of communication like via credit report where Ive received notices from your organization. In accordance with the fair debt collection practices act, specifically 15U.S.C. code 1692c this is my formal declaration to terminate and cease all communication from your organization in regard to the debt you are attempting to collect. In response to this cease communication letter and in accordance with the federal Fair Debt Collection Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place. 
If this alleged debt belongs to me, then provide the Validation of debt agreement that speaks on my behalf. IN accordance with 15 usc 1692g please send me a detailed list of the history of payments I have made on this account. I also want to witness the wet signature that Ive signed on official contract documents guarantee that I would pay this creditor or your agency. I am also requesting proof that there have been any insurance claims filed or found on this debt, and lastly, I will request proof you have the chain of title to collect on this debt. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgement of this letter is in violation of the Fair Debt Collections Practices Act. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of the federal Law.

If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 
Sincerely XXXX XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have Wells Fargo credit card and used XXXX of the promotional checks they send with XXXX finance for XXXX months. When you use the card for other purchases they don't apply payment to the promotional balance first. They also can't tell you how much money you have to pay in order to clear the promotional balance. So as the end of the term gets closer, although you have paid hundreds of dollars per month and cleared what should have been the promo balance XXXX or XXXX times over, you still own XXXX  % of the promo balance.

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 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report on XX/XX/year>. I want to be very clear : I did not give permission for your company to pull my credit, and this inquiry is fraudulent. If this unauthorized inquiry is not removed from my credit report immediately, I will take legal action against your company for violating my rights. This includes seeking damages and pursuing all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
CREDIT CARD XXXX XXXX XXXX AUTHORIZED USER LATE PAYMENT Balance {$1600.00} Balance updated XX/XX/XXXX XXXX XXXX BANK Balance - Balance updated XX/XX/XXXX XXXX BANK AUTHORIZED USER LATE PAYMENT Balance - Balance updated XX/XX/XXXX AMERICAN HERITAGE FE POTENTIALLY NEGATIVE Balance {$4000.00} Balance updated XX/XX/XXXX AMERICAN HERITAGE FE POTENTIALLY NEGATIVE Balance {$14000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT Balance {$2000.00} Balance updated XX/XX/XXXX XXXX BANK Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX BANK Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX  LATE PAYMENT Balance - Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE Balance {$1400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
CREDIT CARD XXXX XXXX XXXX AUTHORIZED USER LATE PAYMENT Balance {$1600.00} Balance updated XX/XX/XXXX XXXX XXXX BANK Balance - Balance updated XX/XX/XXXX XXXX BANK AUTHORIZED USER LATE PAYMENT Balance - Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$4000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$14000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT Balance {$2000.00} Balance updated XX/XX/XXXX XXXX BANK Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX  LATE PAYMENT Balance - Balance updated XX/XX/XXXX XXXX  XXXX, XXXX LATE XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$1400.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide m with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX XX/XX/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 2025-01-27 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-27 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: NY

Complaint narrative:
XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$780.00} I disputed multiple times last year and the collections stayed on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Bonus offer was {$350.00} after deposits of at least XXXX deposited to new savings account. I followed all requirements, this was in early XX/XX/year>, and the bonus amount ( {$350.00} ) would have appeared in my account by the first of XX/XX/year>. The bonus amount never happened and I've called American Express customer service multiple times. The representatives have been nice and attempted to help but in the end it has always been someone will contact me to resolve, that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( Fcra ), Which Mandates Credit Reporting Agencies To Maintain Complete And Accurate Information And Investigate Consumer Disputes In A Timely Manner.

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