vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, This letter is in response to your recent correspondence regarding my CFPB complaint. I am writing to formally dispute the continued reporting of inaccurate and unverifiable information on my Equifax credit report. 

ISSUE XXXX : XXXX XXXX XXXX XXXX XXXX XXXX You stated that this account was verified to belong to me. However, no supporting documentation or proper method of verification was provided. Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher and a phone number if reasonably available. Please provide : The full method of verification, All supporting documents used to verify this account, Proof of legal ownership of the debt by the collection agency, A copy of the original signed contract bearing my signature.

If this can not be produced, the item must be deleted from my credit file as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ).

ISSUE 2 : Disputed Names, Addresses, and Inquiries You claimed several names, addresses, and inquiries were not currently reporting. Yet these were reflected in the credit report I reviewed on [ insert date of report ]. If they are no longer present, please send written confirmation of their deletion for my records. If they are still present, I demand that you : Permanently delete any unauthorized or incorrect personal identifying information, Remove inquiries that were not authorized in writing by me, per 15 U.S.C. 1681b ( c ).

EQUIFAX 'S INSUFFICIENT RESPONSE You also requested that I provide a specific creditor name to obtain a revised credit file. Please note that under 15 U.S.C. 1681g, I am entitled to a complete copy of my credit file upon request with or without identifying a creditor. Therefore, I again request that you send a complete and revised copy of my credit report reflecting any updates, deletions, and changes.

CFPB ACTION Please be advised that this response will be shared with the Consumer Financial Protection Bureau ( CFPB ) to document your failure to comply with federal consumer protection laws and your continued practice of so-called investigations that fail to meet the XXXX required standard of reinvestigation. The CFPB has previously sued Equifax for engaging in sham investigations and failing to uphold consumer rights. 

DEMAND I am demanding the immediate deletion of the XXXX XXXX XXXX collection and any other unverifiable or inaccurate items from my file. You have 15 days from the receipt of this letter to respond with proof or remove the items. Failure to comply will result in further complaints to the CFPB, the FTC, and the possibility of legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MD

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

Company 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 2025-04-09 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: KY

Complaint narrative:
I enrolled XXXX accounts with XXXX Solutions in XXXX of XXXX. I received court summons from XXXX of these accounts as of XX/XX/XXXX, AFTER THEY HAD BEEN OUTLINED AS ALL FULLY DISPUTED. This resulted in me being responsible for {$17000.00} I will have to pay these creditors. I also have a XXXX account that was never disputed by XXXX and I will end up having to pay {$3000.00} to this creditor. They collected over {$7000.00} in monthly premiums from me over 17 months. XXXX claims that they will dispute credit accounts on your behalf in order for you to not have to pay the creditors the full amount owed. This is not true and misrepresentation of services. This is going to have to end up in me filing a civil law suit, due to the fact XXXX refuses to issue any sort of refund for misrepresenting services. I would not recommend any one to utilize this route for credit restoration.

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 2025-04-09 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: GA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : AXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$740.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$81.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX 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 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 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, any entity furnishing data to credit reporting agencies is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are false, unverified, and do not belong to me : XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, DISCOVER BANK ACCOUNT XXXX. These accounts are ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Continued reporting of FALSE information is not only unlawful but is causing material harm to my credit and financial reputation. I demand the immediate and permanent deletion of these accounts from all credit reporting agencies IMMEDIATELY. I DEMAND you provide written confirmation of these actions within 15 days of receiving this letter. Failure to comply will leave me no choice but to formally complain and consider STATUTORY, ACTUAL, AND PUNITIVE DAMAGES AS PROVIDED UNDER FCRA. 
MY FTC report # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

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 2025-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : Sallie Mae Subject : Debt Validation Request under FDCPA and FERPA To Whom It May Concern, I am writing to formally request validation of an alleged private student loan debt that your company claims I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for the alleged debt and request that you provide full verification and documentation of its validity. 

Furthermore, because this matter involves a private student loan, I am also invoking my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. If you have accessed or are using information from my educational records such as my enrollment status, financial aid details, or promissory notes I request documentation proving your agency is lawfully authorized to possess or use this information. 

Specifically, please provide : A copy of the original promissory note with my signature, A complete payment history on the account, Proof that Sallie Mae has the legal right to collect on this debt, Documentation showing I granted permission for the release of any educational records, or evidence of a lawful exception under FERPA. 

If you are unable to provide this information, I respectfully request that you cease all collection activity and remove any related entries from credit reporting agencies. 

This is not a refusal to pay, but a good-faith request for validation as provided for under federal law. I further request that all communication be conducted strictly by mail and that I receive a written response within 15 days from the date of this letter. 

Sincerely, 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
On my credit report there is XXXX  days late on my Discover credit card account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX CA XXXX EXPERIAN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Cease and Desist Letters Pursuant to 15 U.S.C. 1692c ( c ) This letter is a formal notice pursuant to 15 U.S.C. 1692c ( c ) that I refuse to pay the alleged debt associated with accounts reporting illegally to my credit file : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXXs Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Student Loan # XXXX Account XXXX XXXX XXXX XXXX Student Loan # XXXX Account # : XXXX I demand that you cease all communication with me through any medium, including verbal, electronic, and most importantly, reporting to ANY consumer reporting agencies ( including Experian, TransUnion, Equifax ) XXXXThe only acceptable communication from your office shall be via U.S. mail, solely to confirm the permanent deletion of this account from ALL consumer reports . XXXXAdditionally, I demand the method of verification used in your prior investigation. I am concerned with the validity and accuracy of your findings. Please provide answers to the following XXXX XXXX 1. What did your representatives uncover that validated your reporting? \n 2. What certified documents were used to reach this conclusion? \n 3. Provide a complete copy of all information transmitted to the data furnisher.\n 4. What was the cost of obtaining these documents? \n 5. Show proof of timely procurement of certified records.\n 6. Did you speak with a live representative of the furnisher? \n a. Who? b. When? c. How long? d. What was their role? e. What number was called? f. Which employee on your team made the call? \n 7. Provide the date of first delinquency.\n 8. Provide the exact date this account is scheduled to stop reporting.\n\nIf you can not provide full and verifiable documentation within 15 days, I demand the immediate and permanent removal of ALL accounts mentioned in this dispute letter immediatelyXXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year>

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 2025-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX CA XXXX EXPERIAN XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Cease and Desist Letters Pursuant to 15 U.S.C. 1692c ( c ) This letter is a formal notice pursuant to 15 U.S.C. 1692c ( c ) that I refuse to pay the alleged debt associated with accounts reporting illegally to my credit file : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXXs Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Student Loan # XXXX Account XXXX XXXX XXXX XXXX Student Loan # XXXX Account # : XXXX I demand that you cease all communication with me through any medium, including verbal, electronic, and most importantly, reporting to ANY consumer reporting agencies ( including Experian, TransUnion, Equifax ) XXXXThe only acceptable communication from your office shall be via U.S. mail, solely to confirm the permanent deletion of this account from ALL consumer reports . XXXXAdditionally, I demand the method of verification used in your prior investigation. I am concerned with the validity and accuracy of your findings. Please provide answers to the following XXXX XXXX 1. What did your representatives uncover that validated your reporting? \n 2. What certified documents were used to reach this conclusion? \n 3. Provide a complete copy of all information transmitted to the data furnisher.\n 4. What was the cost of obtaining these documents? \n 5. Show proof of timely procurement of certified records.\n 6. Did you speak with a live representative of the furnisher? \n a. Who? b. When? c. How long? d. What was their role? e. What number was called? f. Which employee on your team made the call? \n 7. Provide the date of first delinquency.\n 8. Provide the exact date this account is scheduled to stop reporting.\n\nIf you can not provide full and verifiable documentation within 15 days, I demand the immediate and permanent removal of ALL accounts mentioned in this dispute letter immediatelyXXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been disputing a transaction since XX/XX/year>. At one point during this time, a manager in the dispute department told me they could credit my account {$250.00}. I did not take the credit because the dispute was still open, and I had been told multiple times that there was a possibility that I would receive the full amount of {$1000.00} back to my account. I have been working with the executive office, and the latest representative told me she would do her best to give me the credit of {$250.00}. I received the resolution of only {$100.00}, which was added to my rewards account. The company should honor the {$250.00} that I was told I could get from a multi-billion-dollar corporation, and they can't afford to part with {$250.00} for a long-time customer who has never paid their bill late and spends a ton of money on their account. It is so completely frustrating to go through this process with a company that does not keep its word.

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, I tried to open a checking account with Ally by depositing a check from XXXX for {$10000.00} that I received as an insurance settlement when I turned XXXX. Ally froze the account and funds after determining that the check was suspicious. They've told me that they couldn't verify the check and have closed my account, removing access/blocking me from bank access. XXXX confirmed that the check was cashed on XX/XX/year>. Ally refuses to explain where the funds have gone, how I can acccess them, why they closed my account, or anything else. They refuse to escalage my calls to a superior. I now have no way to regain access to my money.

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am writing to formally dispute the validity of a debt reported by LVNV Funding LLC c/o Resurgent Capital Systems , with the original creditor listed as XXXX XXXX XXXX XXXX and an alleged balance of {$620.00}. I have no knowledge of this account and no contractual relationship with either party. I believe this account has been reported in error or without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have never received a signed agreement or contract verifying this debt, nor have I received proper documentation showing that LVNV Funding LLC has the legal right to collect on this account. Despite this, the company continues to pursue collection and report this account to the credit bureaus. These actions have caused emotional distress and worsened a pre-existing health condition. 

I am requesting validation of the following : Proof of LVNV Funding LLCs legal right to collect on this account ( 15 U.S.C. 1692e and 1692f ). 

Documentation showing their authorization to operate and collect in my state. 

A signed agreement or contract from XXXX XXXX XXXX  confirming the alleged debt. 

A complete account history, including all transactions and charges. 

The legal basis for the collection and any chain of assignment documents.

Failure to provide proper documentation within 30 days, as outlined in FDCPA 1692g ( b ), will be considered a failure to validate the debt. Per the legal principle of estoppel by silence ( Engelhart v. Gravens ), I will interpret a lack of response as confirmation that no such debt exists. 

Continued attempts to collect or report this alleged debt without proper validation will be considered harassment and a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief