vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-24 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: AR

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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

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 2025-03-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: VA

Complaint narrative:
This is the 2nd time that I have had with XXXX XXXX XXXXXXXX.There is plenty of money on my account but I can not use for in-store purchases and can not access funds a ATM 's ( I have tried 2 different ATMs ) .When I call XXXX XXXX from assistance in fixing they disconnect my call after telling me they may limit my daily spending.When I challenge that, they disconnect call, before they disconnect, the only resolve is to cancel card and send new one but I will not have any access to my account for 10 days.When I ask to transfer to another account, they tell me that banking institute has to do it not them.Or they will disconnect my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-24 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: VT

Complaint narrative:
My TransUnion credit score was lowered by XXXX points. I have reduced my credit utilization, have had no adverse actions and have not opened any new accounts. The activity seems arbitrary with no explanation. Over a month ago I paid down a revolving credit line which should improve my score but the balance still shows up on my credit report. It is way past the closing date and TransUnion claims my accounts are checked daily. Interestingly I used another account to charge a small amount and my credit score was reduced again before the payment was even due. The account has a {$20000.00} line which I only used {$600.00} of and my credit score went down. It seems they pick and choose what data they want to use to determine the score.

I want to see all of my current credit balances reflected on the report and if my score decreases I want to know why.

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 2025-03-24 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXXXXXX FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXXXXXX for failing to comply with its legal obligations under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) regarding an inaccurately reported charge-off account. 

Details of the Violation : Account Name : [ XXXX XXXX XXXXXXXX ] Account Number ( Last 4 Digits ) : XXXX Balance Reported : {$3800.00} Date Reported : XX/XX/year>XXXX  I disputed this account with both the credit bureaus and the furnisher on XXXX, providing supporting evidence that the information is inaccurate. However : 1. The furnisher failed to conduct a proper investigation as required by FCRA 15 U.S.C. 1681s-2 ( b ).

2. No documentation has been provided to verify the accounts accuracy, yet it continues to be reported negatively on my credit file.

3. The information remains inaccurate, violating my consumer rights under federal law. 

Supporting Evidence ( Attached ) : Dispute letters sent to the creditor and bureaus Credit reports showing continued inaccurate reporting Any responses ( or lack thereof ) from the furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-24 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: TX

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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: NY

Complaint narrative:
I received an undisclosed envelope in the mail upon opening the letter it was a debit card from a company called Netspend. Within the letter, it already had a XXXXXXXX XXXX XXXX included. The letter was filled out with my name, a routing number, account number and indication of the bank it is linked to called XXXX. The issue with the above information is that I have no clue what this company Netspend is nor have I ever heard of a bank called XXXX. In addition to all of that I never signed up for a new debit card.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
HAD AUTO PAY SET ON BANK OF AMERICA CREDIT CARD XX/XX/XXXXXXXX XXXX  NOTIFIED PAYMENT NOT MADE WENT TO LOCAL BRANCH SAID CALL NUMBER PAY ON LINE DID CALLED TO FIND OUT WHAT HAPPENED TO AUTO PAY THE PERSON DID NOT KNOW AND COULD NOT SET UP AUTO PAY BY PHONE SAID GO TO BRANCH TOLD HIM I DID HE TRIED TO HELP ONLINE AND COULD NOT DO OVER PHONE IN THE MEAN TIME WAS CHARGED XXXX $ LATE FEE I HUNG UP

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Follow-Up to Case Number : XXXX Dispute Regarding Debt Ownership, Servicing, and Compliance with Federal Laws Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally follow up on my previous complaint ( Case Number : XXXX ) regarding the handling of my debt by multiple entities, including XXXX, Resurgent Capital Services, LVNV Funding LLC , and XXXX XXXX XXXX XXXX XXXX XXXX 

Resurgence just stated that they do not service my loan anymore and I am not aware who owns my loan because they stated that they did before. XXXX and XXXX I am seeking your assistance to resolve several critical issues related to the ownership, servicing, and reporting of this debt, as well as potential violations of federal consumer protection laws. Background of the Issue 1. Debt Origin and Transfer : The debt in question originated with XXXX. I was informed that XXXX transferred the debt to Resurgent Capital Services. However, my credit report reflects LVNV Funding LLC as the owner of the debt. This discrepancy has caused significant confusion regarding who currently owns and services the debt. 2. Communication from XXXX XXXX XXXX, XXXX : I recently received a text message from XXXX XXXX XXXX, XXXX, attempting to collect on this debt. After filing a complaint with the CFPB, XXXX XXXX XXXX responded by denying any wrongdoing and stating that they have ceased communication with me. They also claimed they are no longer servicing the account and will not report it to any consumer credit reporting agencies. While this is a positive development, I have not received written confirmation of these claims, and I remain concerned about the accuracy of their statements. 3. Request for 1099-C : I contacted XXXX to request a 1099-C form, as the debt appears to have been charged off. XXXX informed me that Resurgent Capital Services now owns the debt and is responsible for issuing the 1099-C. However, I have not received any communication or documentation from Resurgent or LVNV Funding regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-24 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: DE

Complaint narrative:
Issue a Form 1099-C XXXX XXXXXXXX did not provide the required IRS Form 1099-C after charging off a debt of {$600.00} or more, as mandated by 26 U.S.C. 6050P.

Report the Canceled Debt to the IRS The lack of a 1099-C filing means that XXXX XXXX has not informed the IRS about the canceled debt, potentially violating tax reporting regulations. 

Verify the Debt Properly Since no 1099-C was issued, the validity of the charged-off debt remains questionable. 

Update Credit Reporting Accurately Without a 1099-C, the debt may still be inaccurately reported as outstanding instead of marked as Settled or Canceled.

Comply with Fair Credit Reporting Act ( FCRA ) Obligations The failure to verify or accurately update the debt on the credit report may constitute non-compliance with 15 U.S.C. 1681i, which requires credit bureaus to investigate disputed 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 2025-03-24 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: DE

Complaint narrative:
Issue a Form 1099-C XXXX  XXXX did not provide the required IRS Form 1099-C after charging off a debt of {$600.00} or more, as mandated by 26 U.S.C. 6050P.

Report the Canceled Debt to the IRS The lack of a 1099-C filing means that XXXX XXXX has not informed the IRS about the canceled debt, potentially violating tax reporting regulations. 

Verify the Debt Properly Since no 1099-C was issued, the validity of the charged-off debt remains questionable.

Update Credit Reporting Accurately Without a 1099-C, the debt may still be inaccurately reported as outstanding instead of marked as Settled or Canceled.

Comply with Fair Credit Reporting Act ( FCRA ) Obligations The failure to verify or accurately update the debt on the credit report may constitute non-compliance with 15 U.S.C. 1681i, which requires credit bureaus to investigate disputed 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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
I deposited a cashier 's check of {$65000.00} which was a legitimate check from my other bank account ( XXXX XXXX XXXX XXXX ) to my US bank on the XXXX of XX/XX/year>. A seven days hold was placed on the check and my funds were supposed to be available on the XXXX of XXXX, XXXX. 

On the XXXX of XX/XX/year>, I went to the bank to make a withdrawal but was told that there was an issue with the account. I called the bank the next day and I was told that my account was under investigation for money laundering and there 'll be a 30 days hold. 

This is unacceptable, I have some financial commitments that I need to meet. I am supposed to supply some materials to a customer and this would delay the process. I won't be able to meet up with that timeline. If the bank wants to confirm the legitimacy of the check, this can be verified at XXXX of which I believe was done and the check has cleared, they just do not want to release my funds and I'm unsure why. 

I need help in resolving this as this poses a very big threat to my business and the client is threatening to sue for damages if I do not supply the materials and render the services paid for within the due date which is long overdue.

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 2025-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX 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 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate collection account on my credit report. The account in question, reported by ( AMSHERCOLLECTIONSERVICE ), does not have any contractual or legitimate relationship with me, and I have never authorized this debt. This erroneous account is negatively impacting my credit and my future financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide documentation proving the validity of this debt, including the original contract with my signature. If this can not be verified, I respectfully request the immediate removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation