vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
They did not reveal process of verification Subject : Dispute of XXXX  Reporting Due to CFPB Lawsuit I am writing to formally dispute the XXXX  listed on my credit report. I have reason to believe this information has been mishandled or compromised, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against [ XXXX XXXX for deceptive practices and potential mishandling of consumer credit information. 

The bankruptcy, listed as [ XXXX XXXX ], is inaccurate or incomplete because [ briefly explain any specific issues, such as improper verification, outdated information, or compromise due to CFPB claims ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an investigation into this matter to ensure the accuracy and fairness of the information reported. 

Please investigate this matter promptly and either verify the accuracy of the bankruptcy or delete it from my credit report. I have attached supporting documents, including a copy of my credit report with the disputed item highlighted, as well as other relevant information. 

Please respond to this dispute in writing within the thirty-day timeframe as required by law. I expect a resolution and will take further steps if necessary, including submitting a complaint to the CFPB, should this matter remain unresolved. 

Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require additional 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a copy from the clerk of court. Stating they never released person information on the credit bureau. Involving my XXXX XXXX. to be placed into public records from a third party the credit bureau uses.

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 2025-01-09 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: DISCOVER BANK
State: PA

Complaint narrative:
a Discover Bank was opened on XX/XX/year> in my name and was closed but saying I owe a balance of {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Jefferson Capital System for failing to provide validation of a debt that they claim I owe. I requested verification of this debt on XX/XX/2024, but despite my request, I have not received the necessary documentation to substantiate the debt.

Here are the details of the dispute : Debt Collector Information : Agency Name : Jefferson Capital System Contact Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Debt Information : Debt Amount : {$500.00} Original Creditor : Jefferson Capital System Account Number : XXXX My Request for Debt Validation:XXXX On XX/XX/2024, I sent a debt validation request to Jefferson Capital System , asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ).

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Jefferson Capital System has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it.

Actions Taken : I have attempted to resolve this matter directly with Jefferson Capital System, but their failure to respond appropriately has left me with no choice but to escalate the issue.

I respectfully request that the CFPB intervene in this matter to ensure that Jefferson Capital System complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt.

I am willing to provide any additional information or documentation needed to assist with your investigation.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2024, a handful of Affirm loans were marked as 30 days late. I had several loans totaling approx {$5000.00} across several loans. Affirm never disclosed if they'd report to the credit reporting agencies, let alone when. 

On XX/XX/2024 I spoke with a representative for over 45 minutes and got a consistent run around on reporting dates. After I explained that I had been making payments and the amounts weren't correct and asked what I needed to pay to get " caught up '' she refused to tell me. 

She also stated that I would get an email follow up about the matter and I haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They continue to say XXXX and us bankruptcy court verified the information as accurate. All of my information has been sealed and can not be verified which means XXXX XXXX  Equifax and XXXX are all liars and providing false information I have provided letters from the court and XXXX that the information is not verifiable please resolve now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I continue to see unauthorized access to my credit profile. After checking today, there are two more inquiries I did not authorize and would like to have removed. 

XXXX XXXX XXXX XXXX XXXX  is not my account - Account XXXX I am self employed with XXXX XXXXXXXX XXXX. Please remove XXXX XXXX from my report. 

I have lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX for the last 20 years. I do not and have never lived at XXXX XXXX XXXX, XXXX MI or lived in Michigan. Please remove from my credit report. There is also an address at XXXX XXXX XXXX XXXX XXXXXXXX which I have never been associated with that needs to be removed. 

Correct the spelling of my name. My name I use for everyday personal and business purposes is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I continue to see unauthorized access to my credit profile. After checking today, there are two more inquiries I did not authorize and would like to have removed. 

XXXX XXXX XXXX XXXX XXXX  is not my account - Account XXXX I am XXXX XXXX with The XXXX XXXX. Please remove XXXX XXXX from my report. 

I have lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX for the last 20 years. I do not and have never lived at XXXX XXXX XXXX, XXXX MI or lived in Michigan. Please remove from my credit report. There is also an address at XXXXXXXX XXXX XXXX XXXX XXXX which I have never been associated with that needs to be removed. 

Correct the spelling of my name. My name I use for everyday personal and business purposes is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield And Associat Amount XXXX I demand removal I have no acknowledgment of this collection.The company refuses to provide requested paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX had searched and contacted XXXX in-laws that have nothing to do with this debt or who need to know any information about my personal and private financial matters. This is disruptive and intrusive to my in-laws and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXXXXXX XXXX  - Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX  Account number - XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - Account number - XXXX INQUIRIES XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Cascade CISS Holdings, LLC
State: LA

Complaint narrative:
I asked XXXX to provide signature documents showing I allowed access to my credit and if it cant be provided I asked that those inquiries be removed like the other bureau has done!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Reference previous complaint # XXXX. 

This is the same set of problems, nothing of which was ever actually resolved, but on a different prepaid American Express gift card. Literally NOTHING that AMEX stated in their response to the previous complaint has been done -- they simply sent the CFPB and me a 'wall of words ' and didn't fix anything at all. The new card has the exact same issues of being declined at most stores ( ex, XXXX XXXX and XXXX ). This is a shameful way to run a business, and even worse, to make claims that turn out to be false to a government agency, is appalling. 

In the previous complaint, about a prior AMEX prepaid gift card, their 'solution ' to it not working at multiple well known and established vendors was that I " use the card elsewhere. '' That is ridiculous. I want to use the card where I want to use the card, and if the retailer accepts AMEX, then why not? And since the AMEX site that sells the card ( and the card itself ) says " Your American Express eGift Card may be used at US merchants that accept American Express cards '' < -- this is verbatim from the gift card printout ... it seems quite reasonable that I should be able to use the card _anywhere_ AMEX is accepted. I can not. Transactions are routinely declined. When I speak to the vendors, they tell me that they did nothing to decline that card ... that it was the card issuer. AMEX, for it's part, wants me to just 'buy something else somewhere else. ' Insane. 

Also, their previous claim that they fixed the website, and that they fixed the phone IVR system to provide accurate card usage info -- transaction details, available balance, etc., is partly false. The website has worked intermittently ( I have done all the computer XXXX things -- cleared cache, used different browser, used different computer, etc. ), with it only displaying details about 50 % of the time. The phone system has never worked properly, and continues to not work properly. When it reads out a transaction, it stumbles and fails to provide any info about transaction amount or vendor... it simply reads out a date, then skips to the next transaction, where it just tells me 'a transaction occurred on mm/dd at [ silence ] in the amount of [ silence ]. 

If CPFB doesn't hold these companies accountable -- both for behaving appropriately in the first place, and for actually fixing the issues they tell YOU they are addressing, this whole system will collapse. Maybe that's what " prepaid accounts '' companies want (?? ). 

Attached is AMEX response from the last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX {$0.00} These credit accounts are the results of identity theft and fraud.

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I formally requested that BRCLYSBANKDE provide accurate information regarding the account associated with my credit report. Additionally, I demanded a 1099-C form to report the alleged debt forgiveness to the IRS. Despite my efforts, BRCLYSBANKDE failed to provide the requested information and instead continued to report inaccurate information on my credit report, further damaging my credit reputation. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., and Florida State Statutes, including but not limited to : - Florida Statute 501.006 : Credit reporting agencies ; reasonable procedures to assure accuracy - Florida Statute 501.007 : Credit reporting agencies ; disclosure of credit reports- Florida Statute 559.72 : Civil liability for false or inaccurate information I demand that you take immediate action to correct my credit report and remove the disputed information. within the statutory timeframe 15 days for initial disputes.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am an attorney. I have handled decedents ' estates for more than 35 years. In order to close a decedent 's solely owned bank account, you need to present a " short certificate. '' A short certificate is evidence that a personal representative has been appointed for the decedent 's estate. Historically, the personal representative has been able to walk into a local branch, supply ID, a short certificate and death certificate, and the bank would close the account and issue a check for the balance. Santander Bank now requires you to supply a short certificate and death certificate and they send it to their back office. I am told that it can take XXXX weeks for the back office to process the info before they release the funds. Santander Bank should not be permitted to refrain from releasing funds for such an extended period once proper documentation has been presented. These funds are necessary for the proper administration of the decedents estate and the delay is simply unwarranted. The public certainly needs more ready access to these funds. Please investigate!

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