vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I called CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX on XX/XX/year> regarding my account that I sent on collections for {$180.00} from PROGRESSIVE. When I called they verified there was no account they seen. They told me to call progressive when I call progressive  on. XX/XX/year>. we also verified. I owe nothing and I have no accounts open, only a closed account from years ago with no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
These are the accounts I marked as inaccurate. 

XXXX {$830.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX {$350.00} XXXX XXXX XXXX XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
These are the accounts I marked as inaccurate. 

XXXX {$830.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX {$350.00} XXXX XXXX XXXX XXXX {$1400.00}

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 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finmax Smart Capital LLC
State: TX

Complaint narrative:
I havent used this company name XXXXXXXX XXXX XXXXXXXX. My identity was stolen and was being used muiliple places

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation & REMOVE these accounts from my consumer report. This complaint is in reference to the accounts below that are currently still reporting inaccurate on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I am writing in response to the claim regarding civil liability negligence and non-compliance concerning an account that has been closed. I have thoroughly reviewed the circumstances and the evidence provided, and I dispute the allegations for the following reasons : XXXX. Negligence Allegation The claim of negligence against me is unfounded. I took all necessary reasonable precautions to ensure that my actions complied with industry standards and safety regulations. My payments were made on time but were not accurately reported. 
XXXX. Non-Compliance Allegation Regarding the non-compliance issue, I would like to clarify that I have fully adhered to the relevant requirements of the credit line. There appears to have been a miscommunication or a misunderstanding of the facts that I would like to resolve promptly. 
XXXX. Conclusion Based on the facts presented above and the supporting evidence, I respectfully dispute the allegations of negligence and non-compliance. I kindly request that the claim be reviewed again, taking into account the full context of the situation. Please consider this letter as my formal dispute of the claim. I am asking that this negative account be removed from my credit report. 

XXXX XXXX Acct : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: Velocity Portfolio Group
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which establishes civil liability for negligence in non-compliance. 

On XX/XX/year>, I disputed a inaccurate credit report item ( charge off ) with Experian against XXXX XXXX XXXX. Despite my efforts, they failed to conduct a reasonable investigation, correct errors, and provide proper notice, causing financial harm and distress. 

Under 15 U.S. Code 1681o, XXXX is liable for actual damages resulting from their negligence. Their non-compliance has negatively impacted my credit standing, leading to higher interest rates, loan denials, financial loss ]. 

I request the CFPB to investigate this matter and hold XXXX accountable for its failure to comply with the law. I also seek corrective action, including the removal of inaccurate information and compensation for damages. 

Please let me know the next steps and how this complaint will be handled. Thank you for your time and assistance.

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently received multiple letters from law firms offering to represent me against Bank of America in a legal matter. Unaware of any such issue, I searched the case number provided by XXXX of these firms on the XXXX XXXX XXXX XXXX XXXX website and discovered that Bank of America had filed a complaint against me regarding a credit card debt. 

However, I was never contacted by Bank of America or their debt collector regarding this matter. The last communication I received concerning this debt was in XX/XX/XXXX. I did not receive any formal notice of the lawsuit from either Bank of America or their debt collector, and the only way I became aware of it was through unsolicited letters from attorneys. 

To clarify the situation, I contacted Bank of America directly on XX/XX/XXXX and inquired about any pending legal actions or involvement of a law firm. I was consistently told that there were no such actions against me and was even advised to disregard the letters I received. Despite this, the case is visible on the XXXX XXXX website, confirming that legal action has indeed been taken on XX/XX/XXXX. 

I find it highly concerning and unfair that Bank of America has pursued legal action without providing me any prior notice or opportunity to resolve the matter. Given that I have an active checking account with the bank, they have all the necessary contact information to reach me. Additionally, when I access my online banking, there is no record of the credit card in question, nor any past statements, as if the account never existed. 

I had no opportunity to settle or address this debt before legal action was initiated, and I was misled when I sought clarification. This lack of transparency and communication is deeply troubling, especially considering the debt amount is under {$10000.00}. I request an immediate review of this matter and a formal response explaining why I was not notified prior to legal action being taken. 

I appreciate your prompt attention to this issue. Please let me know how this can be resolved in a fair and transparent manner.

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 2025-02-23 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: IL

Complaint narrative:
I am writing to formally complain about inaccuracies found in my credit report regarding my XXXX XXXX account ( # XXXX ). Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I have identified inconsistencies and incorrect information that I request be investigated and corrected immediately. 

The following details highlight the discrepancies : TransUnion Report : The high balance is reported as {$1800.00}, whereas XXXX lists it as {$0.00}. 

The Dispute Status states that the account was " not disputed, '' yet XXXX shows the account as previously disputed and resolved. 

The Payment Status reports the account as charged off as bad debt, which does not align with other bureau reporting. 

There is a discrepancy in the Date of Last Activity ( XX/XX/year> vs. XX/XX/year> as reported by XXXX ). 

XXXX Report : The High Balance is incorrectly reported as {$0.00}, which contradicts XXXX report. 

The Payment Status states Unpaid balance reported as a loss by the credit grantor, which is inconsistent with TransUnions reporting. 

The account was previously disputed and resolved, yet TransUnion does not indicate the dispute status correctly. 

XXXX Report : No information appears to be reported for this account, which raises concerns about incomplete or missing data. 

These inconsistencies are significantly impacting my credit profile and require correction. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be deleted. 

I have attached copies of my credit reports highlighting these discrepancies for your reference.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-23 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: CA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Attorney and I requested proof of ownership after CFPB Vs. XXXX. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and XXXX XXXX XXXX XXXXXXXX XXXX  closed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " XXXX XXXX XXXX ''. Thus creating a fraudulent document. XXXX XXXX XXXX has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX XXXX XXXX and did not comply with The Service Member Relief Act.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Attorney and I requested proof of ownership after CFPB Vs. S.N.A.A.C. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and XXXX XXXX XXXX XXXX XXXX XXXXlosed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " XXXX XXXX XXXX ''. Thus creating a fraudulent document. XXXX XXXX XXXX has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX XXXX XXXX  and did not comply with The Service Member Relief Act.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Attorney and I requested proof of ownership after CFPB Vs. S.N.A.A.C. ( CIVIL ACTION : 1:15-CV-401-WOB, 2017-CFPB-0013 ) was settled and XXXX XXXX XXXX XXXX XXXX  closed their doors . They failed to provide proof of ownership over the Title and Loan. At a later date they sent a modified contract with their name as the beneficiary of the loan, falsely removing " XXXX XXXX XXXX XXXX XXXX '' from Original Contract and replacing it with " XXXX XXXX XXXX ''. Thus creating a fraudulent document. XXXX XXXX XXXX has been sent a cease and desist letter on two separate occasions. They failed to comply and caused further damage to my credit report. They threatened to repossess the car while I was XXXX XXXX XXXX XXXX XXXX  and did not comply with The Service Member Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
I am filing a complaint against TransUnion for their failure to delete fraudulent accounts from my credit report, despite providing sufficient documentation proving these accounts resulted from identity theft. I have taken all necessary steps, including submitting an Identity Theft Report and providing a copy of my identification documents, yet these accounts remain on my report, negatively impacting my financial standing. 

The fraudulent accounts I am disputing are : XXXX XXXX XXXX ( Account # XXXX ) This account is fraudulent and was opened as a result of identity theft. 
I have provided an identity theft affidavit and supporting documentation proving that this was unauthorized. 
TransUnion must remove this account immediately. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) This account is fraudulent and was opened as a result of identity theft. 
I have provided an identity theft affidavit and supporting documentation proving that this was unauthorized. 
TransUnion must remove this account immediately. 
XXXXXXXX XXXX XXXX ( Account # XXXX ) This account is fraudulent and was opened as a result of identity theft. 
I have provided an identity theft affidavit and supporting documentation proving that this was unauthorized. 
TransUnion must remove this account immediately. 
Despite my repeated requests, TransUnion has failed to comply with Section 611 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation and remove unverifiable or inaccurate information. Their inaction violates my rights under federal law and has caused me financial hardship, including potential adverse actions by creditors.

Additionally, under Section 623 of the FCRA, furnishers of information must report accurate data. TransUnions failure to ensure accuracy contradicts the requirements imposed by the FCRA and Metro 2 compliance guidelines.

I have attempted to resolve this issue directly with TransUnion by submitting disputes and supporting documents. However, my disputes have either been ignored or denied without a proper investigation. TransUnion 's failure to act in compliance with federal law leaves me no choice but to escalate this matter to the CFPB.

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Told company Barclay I never open an account. Fraud no one called yo follow up just calls asking for payments. My information was collected by data breach

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that Ido notrecognizeor authorized. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that Ido notrecognizeor authorized. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief