vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of the following account on my credit report due to a lack of completeness and/or accuracy : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


My credit report shows a collection that you sold to XXXX XXXX XXXX. I was never notified of this collection, and I do not believe this debt is accurate. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive full validation of this debt. Therefore, I am requesting that you provide me with copies of the following : An explanation of what this alleged account balance is for. 
A complete audit trail and calculation of this balance, including a full payment history on this account to prove that the amount is correct.

Documentation that shows I agreed to pay this debt, including any agreement or contract with my signature.

Documentation that proves you had my authorization to report this debt to my credit report and to retain or share my personal information.

I did not provide consent for you to have my personal information or to report this alleged debt. Unauthorized use of my Social Security number and personal data without my explicit permission is identity theft. If this matter is not resolved immediately, I will escalate this issue and file a complaint with the appropriate regulatory authorities.

If you are unable to locate the necessary documents or conduct a reasonable investigation, the FCRA requires you to delete this account from my credit report immediately. I expect your response within the timeframe required by law. Failure to comply will result in further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have problem with citi bank since XX/XX/year>. 
I cant access my account after depositing the check. They restricted my account and told me that serious investigation going on due to the security reason. I dont understand what is the issue with the bank? 
I wont be able to make transfer since i opened the account and they replaced my debit card twice. I still cant access the account. I have {$900.00} in the account that i can not access it. I really need to use my assets and want to know the reason for closing my account. 
If you can please help me with this issue. I deeply regret to use their account as i have never this issue before. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Failure to Conduct a Proper Reinvestigation in Violation of 15 U.S.C. 1681i ( a ) To Whom It May Concern, This is my second formal request regarding the inaccurate information appearing on my credit report. Despite my previous dispute, Equifax has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). The CFPBs recent enforcement action against Equifax highlights the companys ongoing disregard for consumer rights and legal obligations.

The following accounts remain inaccurate and unverifiable : [ List disputed accounts with specific errors ] XXXXXXXX XXXX XXXX XXXX Account ( # XXXX ) showing a balance due {$1400.00} & past due {$6100.00}, account charged off/ written off from repossession. Please Delete. 
XXXX XXXX XXXX XXXX Account ( # XXXX ) showing a balance due {$440.00}, account charged off/written off. Please Delete XXXX XXXX XXXX XXXX Account ( # XXXX ) showing a balance due {$36000.00} with charge of {$35000.00}, account should be {$0.00} and deleted. Charged off/Written off. 
XXXX XXXX XXXX- Account ( # XXXX ) showing a balance of {$11000.00} and Charge of {$16000.00}, account shoucd be {$0.00} and deleted. Charged off/ Written off Per 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is legally required to conduct a thorough reinvestigation and provide me with the sources of information used to verify the disputed accounts. Additionally, per 15 U.S.C. 1681i ( a ) ( 6 ), I demand a detailed explanation of your findings and supporting documentation proving the accuracy of the reported information.

Failure to comply will result in my immediate escalation of this matter to the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter.

If Experian fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights.

Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX XXXX. Police Report filed with my local law enforcement agency. Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within XXXX ( XXXX ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT INQUIRIES : XXXX OF XXXX XX/XX/year> XXXX XXXX NA XX/XX/year>, XXXX XXXX XX/XX/year> XXXX AUTO XX/XX/year>XXXX XXXX  XXXX, As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. I trust that your agency will address this issue with the urgency and professionalism it demands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner Finance harassed the debtor with callsup to six or moretimes per day despite the fact that the payment was only one day late and every day thereafter until the payment was satisfied. After changing their phone number, Mariner Financefiled a small claims suit for collection without giving adequate notice via other communication methods, as soon as day XXXX. The debtor 's debt collector, " XXXX, '' threatened the debtorwith placing a lien on any ownedproperty regardless of the debtor attempting a payment arrangement offering the debtor no program for hardship, citing a judgement against them regardless, even prior to the hearing. The company continued the harassment on call, after the hearing, alleging a judgment against them whilst still demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed that there were some inquiries on my credit profile that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: NJ

Complaint narrative:
I had student loans on two of my daughters. The last were paid approx. four years ago. Recently and organization called MOHELA appears after all this time and starts collection action on me for the paid off loans. They were not the originators of the loans so I assume they are 3rd party. Given their track record ( on line ) I asked for loan records.

On their calls I have asked for loan records and get sent to an " advanced agent '' the wait time is 6 hours with no call back option. I have requested those records via email multiple times with no answer. Initial calls from me ( when done during their recommended times ) is six hours plus wait time. The initial contacts have a call back system. The advance collectors do not.

The system is set up so they can ruin your credit and you can not get the information to defend yourself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Thursday, XX/XX/year> at XXXXXXXX XXXX. I received a call from a gentleman claiming to be XXXXXXXX XXXX he had informed me that someone was trying to use my account through XXXX to send me money through XXXX The amount that he told me that this person was trying to send me is {$1200.00} And the second amount is {$9500.00}. I then informed him that I do not have gel through this bank and have sales set up through my other banking institution. he had transferred me over to sell first person I talked to supposedly was named XXXX XXXX, his ID number is XXXX. XXXX XXXX had informed me to stop the payment of receiving these two amounts I needed to send codes in the XXXX pop-up window through my account. Me not know how to stop a received payment through XXXX. Unfortunately, I would not be naive to his instructors. I did what he asked me to When that didn't work he asked me to transfer money from another account from that same bank institution that's under my name Attached to the main account then he asked me to do the same process again at that time. It did work He Withdrew money from my account At that time, the person I was talking to and communicating with was XXXX XXXX ID number is XXXX. XXXX XXXX was telling me to do a stop transfer receiving the money of XXXX He was following the same steps that XXXX XXXX had told me to do previously Unfortunately we tried two times, and both times were unsuccessful I got frustrated and XXXX because of my money being gone from the account XXXX XXXX had instructed that I need to do another action similar to the action XXXX XXXX had me do that, in turn, took money out of my account to be able to bring it back into my account That action failed twice That's when I got furious and I XXXX XXXX XXXXXXXX XXXX, and request a supervisor The supervisor that came on the line was named XXXX XXXX. His I.D . The number is XXXX XXXX. The last three gentlemen were claiming to be from XXXX. After the last two unsuccessful transfers to bring the money that they took out of my account to bring it back into my account I got mad and hung up I also turned around and called both my first bank institution, XXXX, And then I also called my second bank institution Capital one I did file a complaint and scam report through them. Here is the phone number that call me to claim that it was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX Account # : - XXXXXXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) - Account # : - XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) / Account # : - XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : - XXXXXXXX XXXX XXXX XXXX XXXX U / Account # : - XXXX XXXX XXXX XXXX XXXX Account XXXX : - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX Account # : - XXXXXXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) - Account # : - XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) / Account # : - XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : - XXXXXXXX XXXX XXXX XXXX XXXX U / Account # : - XXXX XXXX XXXX XXXX XXXX Account XXXX : - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit report, and there were accounts as well as hard inquiries. I do not recognize please remove accounts and inquiries. I am victim of identity theft

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