vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
This communication is pointing out the abuse of the XXXX XXXX by XXXX firm XXXX XXXX XXXX. XXXX & XXXX was hired by XXXX XXXX XXXX XXXX V to sue me for garnishment on a very old medical debt that is past its Statute of Limitations in the State of Georgia that already had a settlement ; so yeah, I got sued twice for the same case, and was re-sued for twice the amount of the original lawsuit. 
We are currently in the month of XXXX, XXXX ; the first garnishment was from my last check in XXXX of XXXX for {$340.00}, the second court date on the same case was XX/XX/XXXX upon which the {$340.00} was ruled on from a total amount of {$2600.00} although the first amount was the settlement amount of {$1700.00} in XXXX of XXXX. 
Now mind you, I had not received any further notices since that suit in XXXX, and the only notices I received was from attorneys saying I was being garnished and soliciting services to challenge a garnishment case, but that was it and that also was at the XXXX  year mark in XXXX. According to Georgia, the Statute of Limitations for Medical Debt is XXXX XXXX XXXX yearsXXXX years for an oral agreement and XXXX for a contractso why is XXXX & XXXX able to sue me past both???? 
I put in a complaint against XXXX XXXX XXXX XXXX V to explain and all they told me was to contact XXXX & XXXX, yet XXXX XXXX XXXX XXXX was the entity that hired XXXX & XXXX to sue XXXX XXXX TWICE!!! 
So this complaint goes out to XXXX & XXXX since XXXX XXXX XXXX XXXX V says I need to put the attention away from them and to that firm insteadso here we are. 
This is total abuse of the Judicial System to sue me within my jurisdiction the first time XXXX  years prior to the original settlement only to turn around another year and sue me again on the same case later making XXXX years to collect a settlement XXXX times the original amount outside of what even the Law says is outdatedI need remedy to this matter because XXXX & XXXX was wrong for trying to be deceitful to re-sue thinking people dont know their rights when XXXX XXXX XXXX XXXX XXXX to XXXX years to communicate their intentions and knowing the least they could have done was just honor the original settlement cause a settlement is a settlement and there was XXXX already on XXXX.

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

Complaint narrative:
Legal Grounds for Dispute : XXXX XXXX. XXXX ( XXXX ) Disclosure Requirements : Under this statute, lenders are required to provide accurate and timely disclosures regarding repayment obligations. If I was not properly notified or if my repayment schedule was altered without proper disclosure, any resulting delinquency is invalid. 

XXXX XXXX. XXXX ( a ) Servicer Responsibility : The Secretary may contract with servicers, who are expected to carry out their duties in accordance with applicable regulations. Failure to properly process deferments, forbearances, or repayments could constitute a breach of this duty. 

XXXX XXXX. XXXX ( a ) Duty to Report Accurate Information : Data furnishers must not report information they know or have reasonable cause to believe is inaccurate. If my loan servicer reported a late payment inaccurately or without verifying my status ( e.g., deferment, forbearance, or payment ), this could be a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX. XXXX ( a ) Dispute Procedure : This section of the FCRA requires credit reporting agencies to reinvestigate disputed information within XXXX  days. I am exercising my right under this law to request a prompt and thorough reinvestigation of this entry. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The reporting or failure to correct known inaccuracies in consumer credit information may be considered a deceptive or abusive practice under the Consumer Financial Protection Act. This applies to both loan servicers and credit bureaus.

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 2025-05-05 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: DC

Complaint narrative:
Legal Grounds for Dispute : XXXX XXXX. XXXX ( XXXX ) Disclosure Requirements : Under this statute, lenders are required to provide accurate and timely disclosures regarding repayment obligations. If I was not properly notified or if my repayment schedule was altered without proper disclosure, any resulting delinquency is invalid. 

XXXX XXXX. XXXX ( a ) Servicer Responsibility : The Secretary may contract with servicers, who are expected to carry out their duties in accordance with applicable regulations. Failure to properly process deferments, forbearances, or repayments could constitute a breach of this duty. 

XXXX XXXX. XXXX ( a ) Duty to Report Accurate Information : Data furnishers must not report information they know or have reasonable cause to believe is inaccurate. If my loan servicer reported a late payment inaccurately or without verifying my status ( e.g., deferment, forbearance, or payment ), this could be a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX. XXXX ( a ) Dispute Procedure : This section of the FCRA requires credit reporting agencies to reinvestigate disputed information within XXXX  days. I am exercising my right under this law to request a prompt and thorough reinvestigation of this entry. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The reporting or failure to correct known inaccuracies in consumer credit information may be considered a deceptive or abusive practice under the Consumer Financial Protection Act. This applies to both loan servicers and credit bureaus.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Legal Grounds for Dispute : XXXX XXXX. XXXX ( XXXX ) Disclosure Requirements : Under this statute, lenders are required to provide accurate and timely disclosures regarding repayment obligations. If I was not properly notified or if my repayment schedule was altered without proper disclosure, any resulting delinquency is invalid. 

XXXX XXXX. XXXX ( a ) Servicer Responsibility : The Secretary may contract with servicers, who are expected to carry out their duties in accordance with applicable regulations. Failure to properly process deferments, forbearances, or repayments could constitute a breach of this duty. 

XXXX XXXX. XXXX ( a ) Duty to Report Accurate Information : Data furnishers must not report information they know or have reasonable cause to believe is inaccurate. If my loan servicer reported a late payment inaccurately or without verifying my status ( e.g., deferment, forbearance, or payment ), this could be a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX. XXXX ( a ) Dispute Procedure : This section of the FCRA requires credit reporting agencies to reinvestigate disputed information within XXXX days. I am exercising my right under this law to request a prompt and thorough reinvestigation of this entry. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The reporting or failure to correct known inaccuracies in consumer credit information may be considered a deceptive or abusive practice under the Consumer Financial Protection Act. This applies to both loan servicers and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Roughly XX/XX/year>, I was purchasing ammunition and firearm parts from XXXX and was asked by the cashier if I wanted to sign up for " the XXXXXXXX XXXX  ''. Thinking this was a free loyalty card like many other stores I go to ( XXXX, XXXX XXXX XXXX XXXX XXXX ), I asked if it costs anything and was told no. I was entering my information and it asked for the last 4 of my social. I asked why they needed this, and the teller just told me it was " normal ''. At no point during this process was it disclosed to me that my credit was going to be ran, nor was the word " credit '' used to identify this store card, as a credit card. Only till after the fact, was this explained to me by the cashier. I was handed a generic cardholder information booklet along with my receipt, and I was left dazed and confused, wondering if that really happened. 

Since then I requested this account to be removed multiple times, and have been refused. I've disputed the credit reporting and have been refused. I went to the store to ask for security cam footage and they said they deleted it. 

So far my credit has dropped XXXX points, I've already paid the original amount for the items I purchased, I'm currently on the phone trying to get the late fees sorted, and this whole time I've never been given proof that the account is mine, other than the " confirmations '' from my failed credit disputes, and being told verbally over the phone that the account is mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I disputed the information on XXXX XXXX to Experian and they didnt delete the information they just updated the information that was incorrect on my report so I feel there is some XXXX going on with Experian they refuse to take it off my 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I placed an order on XXXXXXXX XXXX for {$180.00} on XX/XX/XXXX. After waiting a few days to receive my item, I received an email stating that the item was delivered. I contact XXXXXXXX XXXX immediately the same day to explain that I didn't receive my order. I was advised to wait 2 additional days just in case there was a mix up with the delivery or one of the neighbors might have received it for me. 2 days later I contact XXXX XXXX again and explained that I still haven't received my order, and I would like to request a refund. That same day I was denied a refund and advised to wait a few more days so I filed a dispute with my bank on XX/XX/XXXX. 
I contacted XXXX again on XX/XX/XXXX and explained that I still haven't received my package and that day I was approved to my refund but there was an issue with the money going back to the original payment method. Come to find out the dispute was immediately filed and XXXX didn't want to double pay so they explained I should wait on my bank. 
I've been dealing with this matter since XXXX and everyone I speak with tells me that they will send an email to the hire ups and then I never hear anything else from them. I know I have spoken with over 10 to 15 people and no one seems to be able to get in contact with anyone who can help.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed 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 generallf, 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.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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