vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/year> I looked at my credit report, and noticed a collection on my report. After I found out that is was XXXX, and PLUSFOUR a medical bill collector. I filed a CFPB complaint with XXXX. I am filing a CFPB report against PLUSFOUR. 

I filed a complaint against my healthcare insurers over improper billing with XXXX XXXX XXXX. This type of credit reporting when I am in litigation has to stop. Furthermore, medical bills arent reported to credit agencies. 

Requesting XXXX for violating of my rights for I am looking to buy a home.

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 2025-03-06 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: HI

Complaint narrative:
15 U.S. Code 1681o - Civil liability for negligent noncompliance U.S. Code Notes XXXXrev | next ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( Pub. L. 90321, title VI, 617, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 ; amended Pub. L. 104208, div. A, title II, 2412 ( d ), ( e ) ( 2 ), Sept. 30, 1996, 110 Stat. 3009446, 3009447 ; Pub. L. 108159, title VIII, 811 ( e ), Dec. 4, 2003, 117 Stat. 2012. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I was charged {$190.00} by a XXXX XXXX out of my Checking Account with Prosperity Bank, I disputed this charge and told them I have never authorized or received a charge from this company/source. They gave me a provisional credit and on XX/XX/year> the claim was denied, even after the customer service representative had told me that MANY fraudulent charges have been occurring through their bank and assured me my money would most likely be returned. My brother told me to report this to the CFPB so here i am now, I am a father of XXXX and have a mortgage payment and we live check to check so losing {$190.00} is absolutely unacceptable please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against CAPITAL ONE for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding debt validation. 
On XX/XX/year>, I submitted a written request to CAPITAL ONE asking for validation of the alleged debt they claim I owe. Under 15 U.S.C. 1692g of the FDCPA, creditors are required to provide validation within 30 days of receiving my request. However, despite the expiration of this period, I have not received any validation of the debt.

Since they have failed to validate the debt, they are legally required to cease collection efforts and remove the account from my credit report. However, they have continued their collection activities, which is a violation of federal law.

I request the CFPB to investigate this matter and take appropriate enforcement action to ensure compliance with the FDCPA. Additionally, I ask that the creditor be directed to immediately cease collection efforts and remove the unvalidated account from my credit report.

I have attached copies of my original debt validation request, proof of delivery, and any correspondence related to this matter for your review.

Thank you for your time and assistance. Please let me know if any further information is required. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14.00}

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 2025-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I didnt know Credit Management Services were respresenting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via phone or mail. I never received the documentation in any way shape or form. There was no communication from Credit Management Services at all which I feel that violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and Transunion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and Transunion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized or unnecessary credit card inquiries from my credit report. Below, I have outlined the details of the inquiries in question : XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  ; Inquiry Date : XX/XX/XXXX I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from 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 2025-03-06 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: NC

Complaint narrative:
The unauthorized accounts, created without my knowledge or consent, must be immediately removed. Your agency continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand the removal of the fraudulent accounts from my credit report. This situation has been exacerbated by data security breaches involving XXXX Data Breach ( Case XXXX. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX XXXX XXXX  ; Balance : {$1300.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ; XXXX : {$730.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXX ; XXXX : {$69.00} ; Opened Date : XXXX. XXXX, XXXX Your agency have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized ; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

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 2025-03-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear CFPB and Equifax New CFPB violation 15 U.S.C. 1681 states that a credit reporting agency must consider all relevant information presented by the consumer. On all of my complaints I submitted a copy of my drivers license and Social Security card but today I received three different letters asking me for my Social Security card and drivers license. This has been provided on every single complaint. It was a stall letter by Equifax to avoid doing any type of work or finding resolution. Clearly, Equifax is not looking at the attachments of my letters. If they did, they would see that they have already had a copy of my drivers license and Social Security card. They have failed to resolve any of the issues that they have created.

U.S. Code 1681 requires credit reporting agencies to consider all relevant information when evaluating a consumer 's credit. This is part of the Fair Credit Reporting Act ( FCRA ), which aims to protect consumers ' privacy and ensure the accuracy of their credit reports.

On every single complaint or request that I have submitted to Equifax, they have failed to consider all relevant information because they dont read anything that you sent them. They just come up with an excuse to delay and postpone.

Please see the attachment of their nonsensical letters, asking for my drivers license and Social Security card and see all my complaints already contained that information. We as consumers are not being treated fairly because Equifax doesnt even read our complaints and its forcing people into litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I have my mortgage through Mr. Cooper after it was sold off from XXXX XXXX. Everything has been fine til it has come time to pay the insurance through the escrow. I have proof from the insurance that they sent the bill to the escrow account as on XX/XX/year> for my insurance that is active until XX/XX/year> and must be renewed by XX/XX/year>. I also have proof that Mr cooper shows in their system the amount for the renewal on XX/XX/year> but as of XX/XX/year> still has not payed it and that it's marked as scheduled yet this date keeps moving on when it will send. On XX/XX/year> mr cooper uploaded a letter to the account saying XXXX  has lapsed never mind it hasn't and proof has been submitted plus evidence that their own system is also showing the renewal check. I am uploading the current policy, the renewal, and screenshot of mr cooper systems showing the dates in the lower right corner time stamped for proof of times viewed as well as the letter from mr cooper saying lapsed when hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
Failure to Investigate, FCRA Violations & Data Security Negligence I am filing a formal complaint against Equifax for its failure to properly investigate and remove inaccurate, unverified, and potentially fraudulent information from my credit report. Despite my dispute, Equifax has continued to report incorrect data, violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Additionally, given Equifaxs history of data breaches and failure to protect consumer information, I have serious concerns regarding the accuracy and security of the data they maintain about me.

1. Failure to Conduct a Proper Investigation I submitted a dispute to Equifax regarding inaccurate information appearing on my credit report.

Under 15 U.S.C. 1681i ( a ), Equifax is legally required to conduct a reasonable investigation and delete any information that can not be verified.

Instead, Equifax has failed to properly investigate and continues to report unverified data.

2. Violation of FCRA Accuracy Standards Equifax is responsible for ensuring maximum possible accuracy of consumer reports under 15 U.S.C. 1681e ( b ).

Reporting unverified or incorrect information violates my rights and causes unnecessary financial harm.

3. Equifaxs History of Data Breaches & Security Concerns Equifax suffered a massive data breach in 2017, exposing the personal information of 147 million consumers, including Social Security numbers, birth dates, and financial records.

Their repeated failure to secure consumer data raises concerns about the accuracy and legitimacy of the information they report.

Given their previous data breaches, it is entirely possible that the erroneous information on my report is the result of Equifaxs own mishandling of consumer data.

4. Negligence in Protecting Consumer Data & Rights Equifax has knowingly allowed incorrect information to remain on my credit file.

This has resulted in credit damage, financial uncertainty, and emotional distress due to inaccurate reporting.

Relief Requested : Immediate Removal of the Inaccurate Information Equifax must delete all unverified and incorrect data from my report.

Monetary Compensation I am requesting {$1000.00} per FCRA violation under 15 U.S.C. 1681n ( a ), along with damages for financial and emotional distress.

Regulatory Investigation I request that the CFPB launch an investigation into Equifaxs failure to comply with FCRA standards, its mishandling of consumer disputes, and its ongoing security failures that put consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed {$1900.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I got this American Express prepaid reward card with a balance of {$23.00} from XXXX. On the card it says balance never expires but when I tried to use it, the card said the balance was {$0.00} I contacted American Express but they had no idea on why it says {$0.00} and seen it had a starting balance of {$23.00} but refused to issue me a new.

Company response to consumer: Closed with explanation