vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I disputed an alleged debt on my Equifax credit report over 90 days ago and requested that Equifax provide documentation substantiating the validity of the account. Despite multiple written requests, Equifax has only responded by stating the debt was verified without providing any proof, such as signed agreements or account statements. Under the Fair Credit Reporting Act, if a debt can not be verified, it must be removed from my report. I also raised concerns under the Fair Debt Collection Practices Act, which requires detailed validation if the debt has been sold or transferred to a collection agency. Equifaxs lack of meaningful documentation or confirmation has left me with unresolved negative information on my credit file, causing me financial harm and uncertainty. My follow-up disputes and attempts to obtain validation went unanswered beyond generic form letters, prompting this new complaint to ensure compliance with federal law and the proper removal of any unverified debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXXXXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$4600.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
Upon reviewing my credit report this morning, I was shocked and frustrated to find an unauthorized inquiry that I did not recognize. I check my report frequently, and this unexpected issue has caused me significant distress. I refreshed my browser, hoping it would disappear, but it remained. I demand an immediate resolution to this matter. Please go over the documents I sent carefully to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I was never properly served continuing writ of garnishment. They served my employers attorneys in another state. I was never served any paperwork and this was a time sensitive case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX $ debt came to my house and this is not correct. Ive canceled it and it shows I owed XXXX $ in XX/XX/XXXX. And now magically I owe about XXXX $ this isnt correct and I want this to be dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

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 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally report that my personal information was stolen, leading to unauthorized activity on my credit report. In XX/XX/year>, I lost my wallet, and shortly thereafter, fraudulent accounts and transactions began appearing in my name. Specifically, I recently discovered that two apartment applications were submitted under my identity without my knowledge or consent.

I want to clarify that I had no involvement in these applications and did not authorize anyone to use my personal information. As a victim of identity theft, I am requesting that these fraudulent accounts be investigated and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-05 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: TX

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX MaryLand ] [ XXXX, New York XXXX [ XXXX ] [ ( XXXX ) XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Updated Negative Items Due to CFPB Breach Dear Sir/Madam, I am writing to formally dispute the accuracy of certain negative items on my credit report that have been updated following the recent breach associated with the Consumer Financial Protection Bureau ( CFPB ). I believe this updating constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Code 1681.

Upon reviewing my credit report, I noticed the following negative items that were improperly updated : 1. XXXX XXXXXXXX XXXX Acct # XXXX **Amount of Debt : ** [ XXXX ] **Account Number** : [ XXXX ] **Details of Update** : [ updated report XX/XX/XXXX ] XXXX. XXXX XXXXXXXX XXXX Acct # XXXX **Amount of Debt : ** [ XXXX ] **Account Number** : [ XXXX ] **Details of Update** : [ Updated XX/XX/XXXX ] 3.DEPT OF ED/XXXX **Amount of Debt : XXXX [ XXXX ] **Account Number** [ XXXX ] **Details of Update** : [ Updated XX/XX/XXXX. ] These updates appear to be inconsistent with the information previously reported and seem to be a result of the aforementioned breach. Under Code 1681 of the FCRA, I have the right to dispute inaccurate information, and I request that these entries be thoroughly investigated and removed from my credit report. 

I have included copies of relevant documentation to support my dispute, including previous statements and records that prove my claim. 

Please send me a written confirmation of your findings and any changes made to my credit report after your investigation. I look forward to your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, [ 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 2025-02-05 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: NV

Complaint narrative:
Report these accounts directly to my creditor as identity theft. I also have an FTC report to where my information was compromised through the data breach. I am asking you to fix this error by removing if from my credit report FCRA.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
I do not know what they want they call XXXX times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: SC

Complaint narrative:
Transunion. I have disputed charges from XXXX XXXX XXXX for over 7 years. I've included proof to XXXX but they have failed to address problem. Since it is now over 7 years I am requesting TRANSUNION Credit Bureau to remove as it should have automatically been removed. THANK YOU

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TN

Complaint narrative:
On XX/XX/year>, I received a notification from XXXX that my credit profile had changed. So I pulled up my XXXX app to see what the alert was about and it was reported that Possible reported my account late even after I paid the balance owed. I never got any notification from Possible about the account being reported late nor did I get any other notification. I didn't even get a statement about it so how can you report it late?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
My XXXXXXXX XXXX  father purchased me a {$100.00} Vanilla debit Visa gift card for XXXX in XXXX of XXXX On XX/XX/XXXX at around XXXX XXXX My father and I went to XXXX in XXXX West Virginia to get a dog crate for my puppy. I was planning on using my gift card for it. The crate was on sale for {$60.00}. I went to check out and tried using my Vanilla Card. The clerk tried two or three times and said it was declined.

I then walked back and got on the phone to call and activate my card or see what the issue was. I could not get ahold of a human being to talk to and it was all automated. When I followed the phone tree and prompts, it just disconnected me. I could not use the card. So, my dad gave me his debit and used that to purchase the dog crate. 
When I came home, I called the Vanilla number again and it listed that I used my card for the {$60.00} at XXXX to buy the crate. This was false, so I, again, tried getting hold of a person to discuss my issue. I could not get ahold of a person, so I followed the prompts to dispute my transaction. 
Now, as this is being investigated, I can not get in touch from anyone from Vanilla to discuss anything about this. My card is locked and I can not use it.

I am very disappointed and want to use my {$100.00}. There is no one person that I can talk to. The number just says my card is deactivated because they are investigating the dispute. It is a {$60.00} charge that I did not use at XXXX. 
I want my Card activated so that I can use it and I want to talk to a human being, not a phone tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to demand the immediate removal of inaccurate and incomplete information currently reporting on my credit report. Despite multiple attempts over the last several months to resolve this issue, the following accounts remain listed with incorrect details : - **XXXX** - Credit Card Account Number : XXXX - **XXXX XXXX** - Credit Card Account Number : XXXX ( Delinquent Status ) - **XXXX** - Line of Credit Account Number : XXXX ( Collection Status ) Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to a credit report that is accurate and complete. As the information on these accounts is clearly erroneous, I demand that it be either corrected or removed, in full compliance with the law. 

# # # Violation of the Fair Credit Reporting Act ( FCRA ) 1. **FCRA Sections XXXX and XXXX ( XXXX U.S. Code XXXX ) clearly require that credit reporting agencies maintain accurate information and that any inaccurate or unverifiable data be promptly removed. These accounts are not reporting correctly, and I demand their immediate deletion. 

2. **FCRA Section XXXX ( a ) ( 1 ) ( B ) ** mandates that furnishers of information to credit agencies, including Experian , must provide only accurate data. If any information is found to be inaccurate, it must be corrected or removed immediately. 

3. **FCRA Section XXXX ( XXXX U.S. Code XXXX ) further asserts that any fraudulent or unverifiable information must be removed from my credit report upon dispute. These accounts are inaccurate and, therefore, should be deleted without delay. 

In a similar case, **XXXX XXXXXXXX Experian Information Solutions**, Experian was held accountable for failing to correct inaccurate reporting, which led to financial harm for the consumer. This is a clear violation of my rights under the FCRA, and I will not accept any further delays in resolving this matter. 

# # # What I Expect from You I expect Experian to : 1. **Conduct an immediate investigation** of these disputed accounts, as required under Section 611 of the FCRA. 
2. **Delete these accounts** from my credit report if they can not be verified as accurate, as per the legal obligations outlined above. 
3. **Provide me with a written response** within 30 days, detailing the outcome of your investigation. 

If I do not see resolution within this timeframe, I will have no choice but to escalate the matter. I am sending copies of this letter to both the XXXXConsumer Financial Protection Bureau ( CFPB ) ** and the **Attorney General 's Office** for their awareness and further action. 

This is a formal request for your immediate attention and compliance with the law. I expect swift and complete action regarding the removal of these inaccurate entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Truist Bank-location XXXX Al Atm # XXXX XX/XX/year> @ XXXX XXXX I went to atm before work and deposited {$700.00} cash in all {$100.00} bills so that I could pay my bills and go to grocery store to feed my kids. The atm spit back out {$100.00} and then immediately gave a message that stated and I have a picture we apologize but we are unable to return your deposited items at this time. It then printed out a receipt with the error message. It kept my {$600.00} and did not post in my account. Truist will not credit my account and will not give me any resolution and that was all the money I had. I ask for a provisional credit or to just open the atm to see it is over {$600.00} and they wont do anything.

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 2025-02-06 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:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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