vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, identity theft, fraud, and/or unauthorized access. I am requesting verifiable documentation, including copies bearing my physical or electronic signature, for any account or inquiry you claim was authorized by me. 

I have never authorized these actions. Their presence on my credit report constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : Section XXXXB Block of information resulting from identity theft or fraud [ 15 U.S.C. XXXX ] Section XXXX Permissible purposes of consumer reports [ 15 U.S.C. XXXXb ] I have already contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or supporting documentation. As a result, the reported items are factually inaccurate and appear to be the product of fraudulent activity, a data breach, or unauthorized reporting by creditors or third-party data furnishers.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A check I had written was cashed on XX/XX/year> for {$120.00}. 
The account had sufficient funds ; the check was cleared. Balance after the check cleared was {$5.00}. 
On XX/XX/year> the check was returned, bringing the account balance to {$120.00}. 
Customer service states the account had insufficient funds despite the account having over the amount of the check. 
I have photo proof of the balance before the checked cleared, after, and then after the ( erroneous ) return.

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 2025-04-21 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: IL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2025-04-21 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: IL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX Bank brought to my attention a debt dated back to XXXX owed to " The XXXX at XXXX, NV. '' I was not aware of this {$11000.00} judgment on my credit report. I am a victim of Identity Theft and Fraud dating back to XX/XX/XXXX. 
To my knowledge, I addressed all ongoing cases related to identity theft and fraud. I have a continuing file to support all instances in which applications were applied for, rental agreements, and/or utility bills were either taken out in my name or accrued in my name. 
The company IQ Data never brought this particular incident to my attention. Given my history of filing reports immediately with the Attorney General 's office in the state in which the crime occurred, it stands to reason I would have addressed this as well. 
I have never lived in Nevada, applied for utilities, or inquired about rental agreements. 
The company IQ Data 's suggestion that this debt belongs to me is not only inaccurate but also questionable, as it was not verified to confirm the identity of the person on the application. I have a fraud alert on my credit report, and this company should have verified whether or not it was me. I will be sending supporting documents to confirm that I did not create this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Request for Debt Validation and Cease & Desist To Whom It May Concern, I am writing in response to a collection notice I received regarding the alleged account. This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX and XXXX ( c ). 
I do not acknowledge this debt and request that you provide full validation and verification of this alleged debt, including but not limited to : XXXX. The original creditors name and address. 
XXXX. The amount of the alleged debt, including a breakdown of interest, fees, and any other charges. 
XXXX. A copy of the original signed agreement or contract bearing my signature. 
XXXX. A complete payment history on the account. 
XXXX. A copy of the assignment or sale agreement from the original creditor, establishing your authority to collect on this account. 
Furthermore, pursuant to 15 U.S.C. XXXXc ( c ), I hereby request that you cease and desist from any and all collection activities, including phone calls and written communication, except for the purpose of providing the requested validation or informing me of any specific legal action you intend to pursue. 
Please note that until you furnish the above documentation, any further attempts to collect this debt may constitute a violation of the FDCPA. 
This letter is sent in good faith with the intention of resolving this matter. Please provide your response in writing to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Urgent Formal Notice - Refutation of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), the Fair Debt Collection Practices Act ( XXXX  ), and the Consumer Financial Protection Act ( XXXX ) : XXXX XXXX Creditor/Collection Agency Name : BANK OF XXXX * XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXX  Date of Account : XX/XX/year>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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica
State: MI

Complaint narrative:
This is Comerica Bank. I am paraplegic in a wheelchair, and a widow. I get paid XXXX a month. I still don't understand what they did because every person I spoke to told me something different. I was charged fees for items that I was not told about.Things I had no knowledge about. They closed my account on the first, the day I get paid from my husband 's pension. 
I wasnt notified until XX/XX/XXXX by mail, and XX/XX/XXXX by phone, when i called them. I paid all my bills on the first. They sent every one back, and kept the money. 
They said it was in the mail with XXXX different dates and amounts. After I yelled they had a check ready for me on XX/XX/XXXX. They kept {$900.00} plus. They never told me why or a reason. 
All of my creditors have been calling, texting, and charging late fees, and fees for their returned payments. They wanted me to open a new account until I got upset. Then they told me I was too risky. The bank manager, XXXX XXXX, ( a very sloppy unprofessional man that doesn't speak XXXX well ) said he is too busy looking over XXXX banks to deal with just me. He lied several times, and threatened me as well. He had XXXX other person, XXXX at the branch on XXXX XXXX XXXX in XXXX Michigan that was rude in person because she was the second person who lied to me. 
I had a XXXX appointment scheduled with XXXX XXXX XX/XX/XXXX. He showed up at XXXX : XXXX. 
He was late coming back from his lunch according to his tellers. 
This entire experience has destroyed my life. I pay all my bills on time. I still have not paid all of them because of the money they kept and the charges from my creditors. I still have not received an explanation or a refund. 
Please tell me who I can talk to about this. 
Thank you XXXX XXXX ( XXXX ) XXXX / ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I received a payment from a company I sold goods to. They wired me the funds on XX/XX/year> in the amount of {$140000.00}. I went to use the funds and was told by the bank that the account was frozen because the sender of the funds claimed that they did not authorize the payment. I contacted the company who sent the funds and they said they did not make that claim or request for the wire was fraudulent or needed to be returned. Originally I only sent half of the shipment. When only XXXX of the funds were used before the account was frozen, I demanded another payment from the customer which they sent in desperation of receiving the products for operation in their business to another XXXX of my business accounts which was credited with no issues or concerns. Since this account has been frozen since XX/XX/year>. The bank told me that they would conclude their investigation in 45 days. I called on that date to ask if the funds were going to be returned to the sender, released in my account, or allow me to close the account and withdraw the funds but they said that the sending bank, XXXX XXXX XXXXXXXX, had to send them a liability release before they would do that. I asked if they had sent a request to XXXX XXXX XXXX and they wouldn't answer. I asked if and when they would just return the funds to the sender and they won't answer me. They won't send the funds back because they say that XXXX XXXX XXXX  has not authorized it. They won't release the funds or unfreeze my account either. 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 non-monetary relief
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-04-21 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-21 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am filing a complaint against Transworld Systems , Inc. for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Transworld Systems is reporting a debt on my credit report for {$1300.00} from XXXX XXXX XXXX The account shows a date opened as XX/XX/year>, and the reference number or account XXXX begins with XXXX. However, the account details are incomplete, and they have not contacted me directly. 

On XX/XX/year>, I called Transworld Systems at XXXX to request information and verify the account. I provided my full name, last four digits of my Social Security number, and offered my address and date of birth. The agent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), refused to assist me unless I gave my full SSN, which I am not legally required to provide. He also told me to call T-Mobile directly, even though Transworld is the entity reporting the debt.

His English was broken. The background noise sounded as if this was a call center with XXXX  This collection company needs to be investigated and shut down! 

Despite identifying myself with reasonable verification, Transworld refused to validate the debt, explain the charges, or provide any details even though they are reporting it to the credit bureaus. I believe this is a violation of the FDCPAs debt validation requirements ( 15 U.S.C. 1692g ) and FCRAs credit reporting accuracy provisions ( 15 U.S.C. 1681i ).

I am requesting that : This account be immediately deleted from my credit reports if they can not validate it, The CFPB investigate this age
ncys refusal to provide verification while continuing to damage my credit, Transworld be held accountable for obstructive and noncompliant behavior during debt disputes. 

I am attaching screenshots and the phone recording for evidence!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Boek, Inc.
State: OR

Complaint narrative:
On XX/XX/year> I made a XXXX time payment to Western Agency for {$1000.00}. 

The payment was set up by Western Agency as a repeating payment of {$1000.00}. 

On XX/XX/year> I contacted my bank and was told to block Western Agency and shut down my credit card immediately.

I contacted Western Agency on XX/XX/year>, by phone and was told my bank made this mistake! 

I asked for a physical address, where I can pay and get a paid in full receipt. 

Western Agency refused to give me a physical address where payment can be made. Western Agency emplyee was rude and took no responsibility for the improper handling of this payment.

Western Agency refused my attempt to pay in full on XX/XX/year>.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been dealing with a case of identity theft for some time now. I have filed a FTC identity theft report and I have sent this to Equifax and uploaded this to my disputes. However, Equifax is refusing to honor my FTC identity theft report and remove the unauthorized inquires. These inquires are starting to prevent me from obtaining loans and other financial products due to being perceived as a risk. 

I have obtained a XXXX XXXX XXXX attorney and will be going after damages if the inquires are not removed in a timely manner.

Company response to consumer: Closed with explanation