vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
Subject : Dispute of Unverified Late Payment XXXX  XXXX Reporting to Experian I am submitting this statement in support of my complaint regarding an inaccurate late payment being reported by XXXX XXXX on my Experian credit report. 

XXXX XXXX has been unable to provide verifiable evidence of the alleged debt or late payment, including the original instrument of indebtedness or any signed agreement showing my liability for the reported delinquency. Without such documentation, the reported late payment is unverified and therefore inaccurate under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), a consumer reporting agency is required to delete disputed information that can not be verified after a reinvestigation. Furthermore : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court affirmed that a credit bureau must go beyond the original furnisher when the consumer provides credible evidence of inaccuracy.

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued reporting of unverifiable information was deemed a willful violation of the FCRA.

Since XXXX XXXX has failed to substantiate the late payment, I am formally requesting that Experian immediately delete this unverifiable derogatory mark from my credit report, in accordance with federal law. 

Please consider this a good faith effort to correct an error and ensure that only accurate and verifiable information is reported. I request the Consumer Financial Protection Bureau ( CFPB ) ensure that Experian complies with the FCRA and enforces the required deletion. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/year> I send {$500.00} from Zelle to XXXX XXXX ( XXXX ) XXXX transaction # XXXX in exchange for an invoice # XXXX for goods XXXX ultra XXXX  phone and XXXX XXXX XXXX inch. The invoice total was {$1900.00} and I paid {$500.00} from Zelle you can check the recepient message is also includes the invoice number XXXX and the rest from XXXX. I never received the goods. It was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : URGENT Dispute Regarding Social Security Data Breach Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data due to the XX/XX/year> Social Security breach, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws. 


Account XXXX : XXXX XXXX Account 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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently discovered that a lien was placed on my home due to a judgment from a debt collection agency. I was never properly served or notified of the lawsuit and had no opportunity to respond before the judgment was entered. 

I have since requested validation of the debt, but the collection agency has not provided sufficient documentation to prove that I owe this amount or that they have the legal right to collect it.

This judgment and resulting lien were entered without due process, and Im now being penalized for a debt I have not had a fair chance to dispute. I am asking for help in requiring the collector to verify the debt and resolve or remove the lien if it can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-22 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: IL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within XXXX  days. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am escalating this complaint regarding XXXX XXXX XXXX # XXXX due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 16929 ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within XXXX ( XXXX ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are " not obligated to provide evidence '' of validation. 
This assertion is false and constitutes a direct violation of federal law. Harm to Consumer Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. Demands : Immediate Deletion of this account from all credit bureaus ( XXXX XXXX XXXX ). Cease All Collection Activity, including credit reporting, until full compliance with FDCPA is achieved. 
Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days. 
Legal Action Notice : If these demands are not met within 15 days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. 
Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I noticed that my debit card was hacked on XX/XX/year>, I immediately called Wells Fargo. They noticed multiple Money Transfers in which I told them that they were not authorized. There were a total of XXXX. They immediately cancelled my debit card and did not freeze my checking account. A total of {$4800.00} was taken from my account. I case was filed and was closed 3 days later on XX/XX/year>. I visited Wells Fargo and spoke to a rep on XX/XX/year>. They told me the case was still pending, I received a letter on XX/XX/year> that my case was closed and not funds were not returned due to not finding any unauthorized transfers even though I told them that the money transfers were not authorized by myself.

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 2025-05-22 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: FL

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604A 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 XXXX years 15 U.S.C 16816-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX via XXXX XXXX, XX/XX/year> XXXX XXXX XXXX. XX/XX/year> 2025

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I took out the loan for {$3000.00} with the intent of paying it back quickly. I didn't full understand what it was going to cost me, but that didn't matter, because I was going to be able to pay it off quickly. XXXX weeks later, I had unexpected XXXX XXXX XXXX due to a XXXX XXXX from birth and an XXXX  that was about to burst. In fact, the restricted XXXX XXXX probably XXXX XXXX XXXX  taking out the loan. 
I hadn't had a chance to look closely at the loan terms, and the payments started right after I went into the hospital. I've already paid {$7200.00} into a {$3000.00} loan, and I still owe {$2900.00}. 
All told, the payment plan they have me on {$1200.00} a month, has me paying XXXX payments in total, twice a month, for a total of {$19000.00} on a {$3000.00} loan.

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 2025-05-22 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: Starmark Financial LLC
State: SC

Complaint narrative:
Starmark Financial LLC are unlawfully reporting an unauthorized account ending in # XXXX on my credit report.I never given them permission to put anything on my credit file. This company is in violation of 15 USC 1692g. As the original creditor only I can validate this debt and I do not validate this debt.i 've never signed a contract with a wet signature with this company in fact they have illegal obtained my personal information. If this account is not removed I will be forced to seek payment for damages and violations occurred

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 2025-05-22 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: NY

Complaint narrative:
On XX/XX/year> I called Citibank ( XXXX ) regarding unauthorized charges, totaling {$3500.00} on my XXXX card. I spoke to a person by the name of XXXX @ XXXX AM EST and told her about the unauthorized charges on my account. She spoke for a few minutes and the. hung up the phone.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because EXPERIAN failed to conduct a proper and reasonable reinvestigation of inaccurate information appearing on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Despite submitting a detailed dispute with supporting evidence on [ insert date ], the disputed account was either improperly verified, not corrected, or no meaningful investigation was performed. This failure has caused ongoing harm to my creditworthiness and may also violate other federal protections under the FDCPA, TILA, and DoddFrank Act.

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I hope this message finds you well. My name is XXXX, and I am writing to follow up on a recent verification process regarding an item on my credit report. After disputing this item through XXXX, I received confirmation that it has been verified by your agency. To ensure clarity and maintain accurate records, I would like to formally request a detailed explanation of the method used to verify the disputed information. This documentation will help me understand the verification process and ensure that all details are correct. 

Could you please provide the following : XXXX XXXX XXXX  A description of the documents or information reviewed during the verification. * * Knowing what sources or documents were reviewed will enable me to cross-reference and ensure that the same information is consistent with my records. 

XXXX XXXX XXXX Details on how the verification process was conducted. XXXX XXXX  Insights into the steps taken during the verification will help me grasp how the conclusion was reached, ensuring transparency in the process. 

XXXX. * * Any contact details for entities that were involved in providing this information. * * This will allow me to follow up directly with these sources if any questions or concerns arise, facilitating a smoother and more efficient resolution process. 

Thank you for your attention to this matter. I understand that ensuring accurate credit records is crucial for financial health and transparency. I look forward to your prompt response to ensure all records are accurate. Should you need any further information from my side to facilitate this request, please do not hesitate to let me know. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
on XX/XX/year>, I got an email from Chase with a XXXX XXXX XXXX to receive a total of {$900.00} if a new XXXX  account was opened with direct deposit of {$1000.00}, if a new XXXX account was opened with a deposit of {$15000.00} and kept the {$15000.00} for 90 days. 
The new accounts were open on XX/XX/year> at a local Chase Bank XXXX with a XXXX named XXXX. The banker was made aware of the bonus offer XXXX XXXX XXXX XXXX and she confirmed the XXXX was good and eligible to be redeem. 
All of the requirements for this bonus were met in a timely manner and the bonus was not paid. 
On XX/XX/year>. I made my first attempt to resolve the issue with a customer services rep named XXXX. He confirmed I have met all of the requirements and that it was a banker error. And in order to fix the issue I must visit the branch again to see a local banker. 
I made and appointment and met XXXX XXXX at the same location where the account was opened. XXXX was late to the appointment time and before authenticating me he doubted i had the {$15000.00} required for the bonus. Once he authenticated me, he proceeded to tell me there was nothing he could do and it was unfortunate, but I was not going to get the bonus since the offer expired on XX/XX/XXXX, and the XXXX was not redeemed properly by the banker who open the account. When asked if he had to escalate the issue he said no. That he was not aware of any procedure he could follow to fix the bank error. 
While still om his desk I proceeded to call customer service again where the complaint was escalated by XXXX a supervisor. The case XXXX was created to resolved error. And once again she confirmed i met all of the requirements to receive the bonus. 
The following Monday XXXX, the branch XXXX called to apologize for the poor customer experience. 
On Tuesday XXXX, i got a phone call from the escalations team rep XXXX and she mentioned that i would have to go back and see the same banker to fix the issue. 
Seems the bank is giving me the run around to not fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: KY

Complaint narrative:
They are known change the reported amount on my credit reportXXXX XXXX XXXX XXXX  show I owe a different amount and XXXX removed the debt previously. This debt is time barred and I dont know why they continue to switch things on my credit report.

Company response to consumer: Closed with explanation