vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Data Search NY, Inc.
State: MD

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX and their servicer, TrakAmerica, regarding their handling of my debt collection. Below are the details of my complaint : Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX Phone : XXXX TrakAmerica Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX Complaint Details : Original Creditor : [ Insert Original Creditor Name ] Account Number : [ Insert Account Number ] Total Balance : [ Insert Total Balance ] Issue : XXXX XXXX XXXX and TrakAmerica are threatening me with legal action to collect a debt that is past the statute of limitations. The last payment on this debt was made in XXXX, yet they are reporting the line of credit as opened in XXXX. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit information must be accurate and up-to-date1. 

I reached out to XXXX XXXX XXXX to have this information corrected on my credit report. However, I was transferred to TrakAmerica, who informed me that I would have to deal with a law firm once my case was assigned. This is causing undue stress and anxiety, as I am being threatened with legal action for a debt that is time-barred. 

XXXX Sought : I am seeking assistance from the BBB to resolve this matter by : Ensuring XXXX XXXX XXXX and TrakAmerica cease all collection activities on this time-barred debt. 
Correcting the inaccurate information on my credit report to reflect the true date of the last payment. 
Preventing XXXX XXXX XXXX and TrakAmerica from using deceptive and unfair debt collection practices that prey on consumers who may not be aware of their rights under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc.
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Factor Trust, INC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: VA

Complaint narrative:
Got mail in USPS from American Coradius International LLC claiming that I owe a Debt to XXXX for {$31.00}. Called XXXX and verified that there is no debt on the account and called XXXX fraud department and opened up a case. They said not to call this vendor as this is not in their list and close the XXXX account for now. The mail gives XXXX account number and my street address accurately. They even give a toll free number to call. Not sure how to proceed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to a security breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries appearing on my credit report without my authorization. These fraudulent entries, which I did not initiate, have negatively impacted my credit standing. Despite my repeated attempts to have these inaccuracies corrected, they remain unresolved, raising serious concerns about the protection of my personal data and the overall accuracy of my credit report. Additionally, I have noticed incorrect late payment remarks that I believe were reported in error. I request an immediate review and correction of these issues to ensure my credit report reflects only accurate and legitimate information.

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 2025-03-22 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-21 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: VA

Complaint narrative:
I found accounts on my credit report that are not mine.

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 2025-03-21 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I am writing to file a complaint against National Debt Relief ( NDR ) regarding their handling of my debt settlement. Below are the details of my complaint : I engaged NDR back in XXXX to help me resolve some debts. They took over handling my account with creditor : XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX with a Total Balance : {$20000.00}. In XXXX of XXXX, they claimed they reached a settlement for {$9300.00}, which I fulfilled in XX/XX/XXXX. In total I paid NDR {$13000.00} ( including fees ). 
Despite fulfilling my obligation by XX/XX/XXXX, I have yet to receive a paid settlement letter from XXXX XXXX XXXX XXXX, the company National Debt Relief paid on my behalf. Additionally, XXXX claims they never received any money from XXXX XXXX XXXX XXXX. to satisfy the debt therefore in XX/XX/XXXX, XXXX sold my full debt to XXXX XXXX. Upon providing XXXX XXXX with the settlement agreement, they issued me a Form 1099-C for the remaining part of the debt. Despite this, XXXX continues to report the full charged-off amount of over {$20000.00} on my credit report, claiming no knowledge of the settlement. 

I reached out to National Debt Relief, and their escalation team offered me a refund of approximately {$500.00} as a " grand gesture, '' which is essentially the interest I am requesting. This offer is insulting given the significant amount I paid and the mishandling of my case. 

Resolution Sought : I am seeking assistance to resolve this matter by ensuring National Debt Relief provides a full refund of {$13000.00}, which includes the settlement amount and fees. An additional 4 % interest on the total amount, which would have accumulated had it been in my savings account. 
Or confirming that XXXX XXXX XXXX XXXX acknowledges the settlement and updates my credit report accordingly and show that the debt was settled before it went to collection. I have been battling with this for over 2 years, and NDR keeps blaming XXXX. 
Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I have been attempting to make my car loan payment for Capital One Auto Finance for several days and have not been allowed to make a payment. When I log into my app, I am instructed to call ( XXXX ) XXXX to make a payment. When I call ( XXXX ) XXXX I am prompted to confirm the last XXXX of my social security number. Once I confirm the last 4 of my SSN, my call is automatically forwarded to a company called XXXX. I have spoken with XXXX several times and they have informed me that they do not have any information regarding my loan and can not accept any payment from me. I have tried to get connected to someone at Capital One Auto Finance but every number I call results in my call being automatically transferred back to XXXX or an infinite loop of going back to a menu. I have tried calling XXXX ( XXXX ) XXXX, I have sent emails to XXXX and have sent email requests to Capital One Auto Finance and nobody has responded or informed me how to make my car payment. This is extremely frustrating and has been time consuming to navigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inaccurate reporting of the following account on my credit report and demanding its immediate deletion : XXXX XXXX XXXX XXXX  XXXX XXXX. This account was withdrawn by the courts and has already been deleted from my TransUnion credit report. Despite this, Experian and Equifax continue to report this inaccurate and outdated information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, this account contains erroneous reporting, including : Inconsistent and inaccurate payment history. 
Incorrect date last active and date of last payment. 
An open date of XXXX, making it past the statute of limitations. 
These discrepancies violate the FCRA by failing to provide accurate information. Experians failure to investigate thoroughly, as highlighted in the CFPB 's recent lawsuit, is concerning, and I will pursue legal action if this issue is not resolved. A formal letter was also sent to the Attorney General on XX/XX/XXXX, further proving that this account was withdrawn. A copy of this letter, which is dated and time-stamped, is attached for reference. 

Furthermore, I urge you to reference TransUnion v. Cushman, 115 F.3d 220 ( 3rd Cir. XXXX ), which set a legal precedent that credit reporting agencies must conduct a reasonable reinvestigation of disputed information. Simply relying on the furnishers word without independently verifying the accuracy of the reported information is insufficient under the FCRA. TransUnion has already deleted this account, which further proves that the reporting is inaccurate. If Experian and Equifax continue to report this unverified information without conducting a proper investigation, they are in direct violation of federal law.

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 2025-03-21 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company 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 2025-03-21 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: MN

Complaint narrative:
Due to a security breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries appearing on my credit report without my authorization. These fraudulent entries, which I did not initiate, have negatively impacted my credit standing. Despite my repeated attempts to have these inaccuracies corrected, they remain unresolved, raising serious concerns about the protection of my personal data and the overall accuracy of my credit report. Additionally, I have noticed incorrect late payment remarks that I believe were reported in error. I request an immediate review and correction of these issues to ensure my credit report reflects only accurate and legitimate information.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
We have been processing all payments via ACH from our bank for many years. We pay our bills in full and on time, every month. Our credit scores are over XXXX. We have notifications set at the bank to notify us when a payment is made to our accounts. In XXXXXXXX XXXX XXXX, I received notification that my Citibank Mastercard did not pay on time. When I went to my bank website, I found that instead of an ACH transaction, the bank sent a check to Citibank for this particular account. I called my bank to find out why they sent a check, the bank said that Citibank required a check be issued. I called Citibank, the customer service rep asked if I had the correct mailing address, he confirmed that I did. He flagged the account so no interest or late fees would be accrued. He also stated that Citibank had changed their payment process. I asked why my XXXX Citibank account didn't have this issue, he stated that not all accounts have been changed but may in the future. The check cleared 2 days after the due date. 
Taking that information into consideration for my XXXX XXXX payment, I scheduled the payment to be made prior to the due date however, the check cleared 4 days after the due date. Again, I called Citibank, they apologized and waived all of the fees again. 
In XXXX XXXX, taking this all into consideration, the due date each month being the XXXX, the check was issued by the bank on the XXXX of XXXX for my requested pay date of XXXX XXXX but the check wasn't posted by Citibank until XX/XX/XXXX. Again, I called Citibank, they waived late fees again and said they were going to waive the interest that they charged but that hasn't happened yet. 
I asked to be transferred to file a complaint with Citibank because it doesn't seem to matter how early I send the payment, they are posting it late. The customer service rep told me that they were recording the call and that was a means of filing the complaint and also that I can set up my account allowing Citibank to pull their payment. I am not opening my accounts to any person or company to withdraw funds.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS..

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation