vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
To whom this XXXX concern, I am attaching an updated FTC report created today containing XXXX fraudulent accounts XXXX fraudulent inquiries along with a fraudulent address to be blocked removed deleted under FCRA XXXX! XXXX XXXX had alerted me in an older FTC report that they were unable to open XXXX files which contained my Drivers license and social security card. Being that is of great importance to move the process further I have figured out the problem on my end and will be attaching all the necessary documents to process further into a resolution. I do apologize for the mishap on my end as I hate going in circle as XXXX sure you do.

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 2025-03-01 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-03-01 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: TX

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 non-monetary relief
Consumer complaint received 2025-03-01 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:
XXXX XXXX ( XXXX ), ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: PR

Complaint narrative:
THE FOLLOWING HARD INQUIRIES DO NOT BELONG TO ME, I DID NOT AUTHORIZE THEM, THEREFORE THEY NEED TO ME REMOVED. THANKS. 

XXXX  XXXX XXXX - XX/XX/year> XXXX CARD SERVICES- XX/XX/year> XXXX PR - 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit history is over XXXX years old. Ive had credit accounts from the XXXX & XXXX. 

These great credit references show on my credit report but the agencies are NOT showing this positive on my score calculation. The score calculation says credit history XXXX the old.!!!! 

How/ why are they avoiding showing the XXXX years of solid good credit history? 

Its wrong to calculate my history incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit history is over XXXX years old. Ive had credit accounts from the XXXX & XXXX. 

These great credit references show on my credit report but the agencies are NOT showing this positive on my score calculation. The score calculation says credit history XXXX the old.!!!! 

How/ why are they avoiding showing the XXXX years of solid good credit history? 

Its wrong to calculate my history incorrectly.

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 2025-03-01 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: GA

Complaint narrative:
There i Are two LVNV collections on my credit report Ive no idea what these are about. 

This is wrong to allege two owed debts and never write me about them.!!!! 

I need proof, contracts, signatures, etc. and I need written documents so I can dispute. 

Theyve placed these on my report as open accounts which they are not. They are unknown possibly fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I am attaching an FTC report containing 3 fraudulent accounts to be blocked deleted removed under FCRA 605B! I have also listed a inquiry that was done fraudulently to XXXX  XXXX on XX/XX/year> to be removed under FCRA 605B This is not a duplicate as I created a new FTC report to attach here being the last complaint I submitted My drivers license and social security card didnt download in the correct form for you to view it as I know that is important to verify my identity in which I will attach it correctly in this updated complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I am attaching an FTC report containing 3 fraudulent accounts to be blocked deleted removed under FCRA 605B! I have also listed a inquiry that was done fraudulently to XXXX  XXXX on XX/XX/year> to be removed under FCRA 605B This is not a duplicate as I created a new FTC report to attach here being the last complaint I submitted My drivers license and social security card didnt download in the correct form for you to view it as I know that is important to verify my identity in which I will attach it correctly in this updated complaint!

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 2025-03-01 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: FL

Complaint narrative:
My report contains incorrect information that is damaging my scores and costing me opportunities. Its unfair and frustrating to be judged based on mistakes that shouldnt even be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I would like to request access to the original contract and any related forms of communication. This information is important for clarifying whether the contract has been sold or transferred to another party, as well as for confirming the specific items I purchased.Also original contract with signatures from me. With original dates. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MO

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 XXXX informed TransUnion Consumer Relation that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.

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 2025-03-01 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: SC

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 XXXX XXXX XXXX. 

XXXX  Account # Unknown XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX Account # Unknown XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I looked at my Equifax credit report on XX/XX/year>2025 and notice 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
I submitted a request for proof of debt on XX/XX/year>2024, but I have yet to receive any documentation verifying that the debt is mine. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681g and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I have the right to request validation of this debt. Since no verification has been provided within the required timeframe, this debt should be removed from my credit report and should not be reported negatively.

Please confirm the removal of this debt in writing. Failure to comply may result in a formal dispute with the credit bureaus and further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I want Equifax and Experian to immediately and permanently delete and remove all fraud alerts from my Equifax and Experian 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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this second formal complaint regarding XXXX XXXX continued presence on my XXXX credit report. While XXXX XXXX has verified the account, I am disputing the validity and continued reporting of this collection account. Despite my previous dispute, this account remains on my report, and it is severely impacting my ability to rent a home for my children. Furthermore, XXXX has failed to resolve this matter within the legally mandated time frame, violating my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), XXXX is required to investigate and correct or delete disputed information within 30 days. Since this dispute has exceeded that period, XXXX is now in direct violation of this provision. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Since I continue to dispute the accuracy and validity of this account, its continued presence suggests noncompliance with this legal requirement.

Furthermore, under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors, including XXXXXXXX XXXX are prohibited from reporting information they know or should know to be inaccurate. The ongoing reporting of this disputed account without adequate validation of the original debt could be considered a deceptive and unfair practice under 15 U.S.C. 1692f. 
Since XXXX XXXX has not sufficiently established the legitimacy of this account and XXXX has failed to take appropriate action within the required timeframes, I am requesting the CFPB to intervene and take the following actions : Require XXXX to immediately and permanently delete the XXXX XXXX collection account from my credit report. 
Ensure that XXXX complies with FCRAs investigation and dispute resolution requirements. 
Impose any necessary penalties on XXXX and XXXX XXXX for their failure to adhere to federal law. 
Provide written confirmation that the account has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX  regarding their refusal to open accounts for me, as well as the abrupt closure of my account with XXXX XXXX XXXXXXXX without prior notice or explanation. I believe these actions may reflect discriminatory practices against me as an Armenian individual. 

On several occasions, I have attempted to open accounts with these financial institutions, only to be met with refusals and no clear rationale for their decisions. Despite my efforts to seek clarification, I have received no satisfactory explanations or reasons for these denials. This lack of transparency raises concerns about potential discriminatory practices that may be at play. 

Furthermore, I would like to bring to your attention the troubling experience I had with XXXX XXXX XXXXXXXX. They closed my account without any notice, leaving me without access to my funds. This action has caused me significant financial distress and has further contributed to my feeling of being treated unfairly. 

I urge the OCC to investigate these matters thoroughly. It is crucial that financial institutions uphold the principles of fairness and equality in their operations, ensuring that all individuals, regardless of their background, are afforded the same opportunities and treatment. 

I appreciate your attention to this serious matter and look forward to your prompt response.

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 2025-03-02 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi bank did not mail billing statements during XXXX never knew old {$60.00} charge was billed. Charged me {$120.00} late fees on {$60.00} amount. Account was cancelled during XXXX and I used another Citi bank card which I paid off $ XXXX {$3000.00} balance each month.

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 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
My parking fee was paid and they claim i did not pay. Complete lie and over charging customers on baseless claims. They have a track record of overcharging customers for baseless claims.

Company response to consumer: Closed with explanation