vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
On XX/XX/year>2025 I placed an order for Medical Equipment, called XXXX XXXX thru XX/XX/XXXXXXXX XXXX XXXX XXXX for the amount of {$990.00} but right after I paid this {$990.00} using Citi Bank Credit I opened XXXX and wanted to ask XXXX XXXX XXXX some questions and found out all conversation in text between me and XXXX XXXX were deleted. I then file a dispute with Citi Bank right away in the same day I placed this order, about a week later I received small package when It was an XX/XX/XXXX with XX/XX/XXXX language. I was asked to send all documents about this Fraud purchase and I did send it all to Citi Bank Dispute Center, Yesterday I called them more than one time and was told I have to pay for this amount of {$990.00}. I disagreed with them, I pay for the XX/XX/XXXX and received something else ( Cheap ) please help me to fix this problem, I am the Victim of this Fraud and I notified them right away They, CitiBand need to pull back this amount {$990.00}. Thank you in advance

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
Complaint of illegal and fraudulent practices : XXXX dispute letter XX/XX/XXXX on account # XXXX regarding the alleged debt claimed by your client, XXXX XXXX XXXX, XXXX, in the amount of {$8500.00}. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request a full validation of this debt, including : 1. The name and address of the original creditor ; 2. A copy of any agreement bearing my signature and bill of sale establishing the alleged debt ; 3. An itemized accounting showing how the balance was calculated and securitization of debt.

4. Verification that your firm and XXXX XXXX XXXX are legally authorized to collect this debt. 

Additionally, I am aware that XXXX XXXX XXXX, XXXX has been subject to multiple legal actions and settlements related to their debt collection practices. These include, but are not limited to, a XXXX class action settlement in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ) and an {$18.00} XXXX settlement for alleged violations of the Telephone Consumer Protection Act ( TCPA ). These cases highlight the importance of proper documentation, lawful collection practices, and consumer rights. 

Given this context, I am exercising my right to request complete validation of this debt before any further collection efforts or legal actions proceed. I also request that all collection activities, including litigation, be suspended until proper validation is provided. 

Please respond to this request in writing. I appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-04-22 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: CA

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These errors are seriously affecting my life, and I demand they be promptly investigated, corrected, or removed. Immediate action is critical.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint because my account was reported as delinquent and ultimately defaulted following Hurricane Helene, during which I experienced significant financial hardship.

I own and operate a small trucking business, which is my primary source of income. When Hurricane Helene struck, my trucks were damaged and my operations were brought to a halt. As a result, my income was drastically reduced and I was unable to meet my financial obligations for a period of time. 

Despite being in a disaster-affected area, I was not offered any hardship assistance, deferment, or forbearance options from the creditor. Additionally, the creditor continued to report negative information to the credit bureaus during a time when I was clearly experiencing disaster-related hardship. This reporting has had a lasting negative impact on my credit. 

I am requesting that the CFPB investigate whether this creditor acted in accordance with disaster relief protocols and fair credit reporting standards, and that the account be reviewed for : Removal of negative reporting caused by the disaster Retroactive application of any disaster relief policies Documentation of the creditors disaster relief process at the time of Hurricane Helene I am attaching supporting documentation to show my business was impacted and that I resided or operated in a FEMA-declared disaster zone during the time of the hurricane. I am seeking a fair and compassionate review in light of the circumstances. 

Thank you for your attention to this 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 explanation
Consumer complaint received 2025-04-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was notified by WELLS FARGO that I could no longer use the XXXX feature to transfer funds because I had violated XXXX 's terms and conditions. When I asked for specifics, I was told to contact XXXX for information about why I was denied service. I was told by XXXX that it was my bank 's decision. In a subsequent call to WELLS FARGO, I was told a third party initiated the denial. I was given the name of XXXX XXXX XXXX and a contact phone number. During my contact with XXXX XXXX XXXX, I was transferred to XXXX for assistance. 

All I want to know is what XXXX terms and conditions I violated- what did I do wrong, so I don't do it again.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TRANS UNION LLC EMPLOY, ASSOCIATE, CONTRACTOR, ETC TOLD ME ON PHONE THAT TRANS UNION LLC DOES NOT INVESTIGATE OR VERIFY INFORMATION ON CREDIT REPORT. I DISPUTED MY CREDIT REPORT IN XX/XX/year>, AFTER 30 DAYS MY CREDIT REPORT WAS NOT CORRECTED AND WAS TOLD BY TRANS UNION LLC THAT TRANS UNION LLC DOES NOT INVESTIGATE OR VERIFY INFORMATION ON CREDIT REPORT.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
RE : Dispute and Validation Demand Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal dispute and demand for full validation of the alleged debt you claim I owe in relation to the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I assert my rights as a consumer and demand immediate compliance.

I hereby DEMAND the following documentation : A copy of the original signed contract or application bearing my wet signature that proves I agreed to this alleged debt.

A complete and unbroken chain of assignment from the original creditor through to your agency. 

The full forward flow agreement and purchase agreement that includes this specific debt. 

Any documentation proving that an insurance claim or reimbursement was not filed or paid on this account. 

A detailed transaction history from the date the account was opened until present. 

Proof of ownership of the account and your legal right to collect it. 

Proof that you are licensed and authorized to collect debt in my state including your license number and issuing authority. 

LEGAL WARNING Your failure to provide the above documentation is a violation of both federal and state laws, including but not limited to : FDCPA 1692g Failure to provide validation FDCPA 1692e Misleading representation of debt FDCPA 1692f Unfair collection practices FDCPA 1692j Deceptive use of forms FCRA 1681s-2 ( b ) Reporting unverifiable information to consumer reporting agencies Continued reporting or collection without proper validation is unlawful. If you do not provide the documentation within 30 days, I will take the following actions : File formal complaints with the CFPB, FTC, and my State Attorney General Seek civil penalties under FDCPA 1692k of up to {$1000.00} per violation Demand deletion from all credit reporting agencies Pursue actual and punitive damages in a court of law CEASE AND DESIST As of the date of this letter, I am invoking my rights under FDCPA 1692c ( c ) and demanding that you cease and desist all communication unless : You are providing the requested documentation in full, or You are serving notice of termination or legal proceedings Any further contact outside of those parameters will be considered harassment, and dealt with accordingly.

You are legally bound to provide validation within 30 days of receiving this letter. Failure to do so will constitute a willful violation of federal law, and I will hold your company accountable to the fullest extent.

Company response to consumer: Closed with non-monetary relief