vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: AE

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days please remove the fraudulent accounts and send me a copy of my updated credit report. 

File Number : XXXX Date of Investigation : XX/XX/year> Date of Investigation : XX/XX/year>

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 2025-03-01 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: TrueAccord Corp.
State: NY

Complaint narrative:
I received a notification on my credit report indicating that my credit score dropped by XXXX points due to a collection account. I never received a letter or phone call warning me that this would happen, nor any prior notice. I called True Accord to inquire about this collection account the next day. The agency had no record of my personal information, including my name and address. Instead, they had incorrect information on file, revealing that the address listed was in XXXX, where I have never lived or stayed. The agency stated they would resolve the situation after I took a screenshot of the derogatory mark on my credit file and sent it to them for verification. I feel that the financial and emotional damage has already been done. My credit score was severely impacted, and my finances were affected the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My information was exposed in a data breach. My credit report was obtained without my knowledge.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Letter & Debt Validation Request To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( c ), I am formally requesting that you cease all communication with me regarding the alleged debt referenced in your records. Furthermore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA to request detailed validation of this debt. As per my rights, please provide me with the following information : The nature of the alleged debt, including a detailed explanation of what the money you claim I owe is for. 
A complete breakdown of how you calculated the amount you claim I owe. 
Copies of any documents bearing my signature that indicate I agreed to pay the debt in question. 
A verification or copy of any judgment against me, if applicable. 
The name and contact information of the original creditor. 
Proof that the statute of limitations on this debt has not expired. 
Evidence that your company is licensed to collect debts in the state of California. 
Your companys license numbers and the identity of your registered agent or agent of service in California. 
A copy of the original promissory note associated with the alleged debt. 
Until I receive the requested verification and validation of the alleged debt, you are prohibited from reporting this debt to any credit reporting agency per the FCRA, XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ). Additionally, if you fail to properly validate this debt, any continued collection attempts will be considered a violation of my rights under the FDCPA, and I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and other relevant authorities.You have 30 days from the receipt of this letter to provide all requested documentation. Failure to comply within this timeframe may result in legal action against you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
On or about XXXX, was confronted with a demand that I pay {$580.00} for any and all damages allegedly incurred. I initially paid a deposit of {$450.00} to the apartments themselves and also paid the deposit of {$350.00} to FLEX for any and all move out fees. Despite my payments, I subsequently received communications indicating that the entity would damage my credit with false accusations. This threat to report inaccurate informationafter having met their demandhas caused me significant distress and harm to my credit reputation. 

I do also have screenshots of conversations with the apartment XXXX who refused to fix damages in the apartment during the duration in which I lived there that were bad for my health due to mold cause by leakages in the roofing. 

Issues of Concern : 1.False and Inaccurate Reporting : The Flex Deposit Tx entry appears to be based on false information, and I have no record of authorizing or being responsible for any such transaction.

2.Unlawful Credit Threats : After paying the demanded {$350.00}, I was threatened with credit-damaging actions that are unfounded and deceptive. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
3.Consumer Harassment : The actions taken by the entity represent an abuse of their position, resulting in undue pressure and potential harm to my financial standing.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly. I believe that the entitys actions are in violation of federal laws designed to protect consumers from false reporting and abusive credit practices. I have enclosed copies of all relevant documentation, including payment receipts and any communications received, which support my claim. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Trans Union never investigated the information I told them to dispute. I'm upset need all of these inquiries to be removed along with the collection from XXXX XXXX they never removed that does not belong to me as well. I know that there was a data breach and false information. Please remove all due to this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Trans Union never investigated the information I told them to dispute. I'm upset need all of these inquiries to be removed along with the collection from XXXX XXXX they never removed that does not belong to me as well. I know that there was a data breach and false information. Please remove all due to this

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 2025-03-01 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: FL

Complaint narrative:
I have made disputes with credit bureau, three of them. At various times. They remove items placed them back on have incorrect information and items that does not even belongs to me but yet I cant seem to get a complete investigation with all the information that I have requested. 
This was the answer to My latest dispute was Between XX/XX/year> and XX/XX/year>, the following remarks were added to this account : Paid profit and loss Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
I have a collection for CBE group from XX/XX/year> for {$910.00}. According to 15 USC 1681i ( 5 ) the information in inaccurate and unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: IN

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 2025-03-01 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: IN

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ), I am formally requesting detailed information regarding the method used to investigate the disputed information on my consumer report.

I previously submitted a dispute concerning an inaccurate accounts that has been reported on my file. As part of your legal obligation, you are required to conduct a reasonable investigation and, upon request, disclose the precise method used to verify the information. Therefore, I demand the following : A comprehensive description of the procedures, sources, and contacts used in your investigation.

The name, address, and contact details of the entities that provided verification.

Copies of any documentation relied upon to validate the disputed account.

Failure to provide this information within the required timeframe may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing any available legal remedies. 

I expect a written response within the legally mandated 15 days as required under the FCRA. Please consider this letter a formal request for compliance.

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 2025-03-01 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 do not recognize the following addresses and phone number. Please Remove XXXX XXXX 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 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Experian, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$10000.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi Bank has repeatedly refused to increase credit limit on my Home Depot Card. I just realized that Citi Bank also owns the Best Buy card also. I understand now why Citi Bank has refused the limit increase requested to the Home Depot Card. The interest rate is higher for the Best Buy card, I don't use the Best Buy card as much, the Home Depot Card has much better benefits than that of the Best Buy card. Because Citi Bank keeps refusing to approve a credit limit increase to the Home Depot Card prevents me from utilizing the XXXX interest rate benefits. My Best Buy card has a much higher limit of {$4000.00} that can be used anywhere ( not just store card ). Citi Bank could simply split the {$4000.00} limit between the Home Depot and Best Buy cards. This would allow me to utilize the benefits of both accounts without the added risk. Citi Bank knows that I use the Home Depot Card much more often than the Best Buy card. It's more than obvious what Citi Bank is doing here and why they would continue to deny the requested increase on the Home Depot Card. This is just another way to take advantage of the consumer. There should be a law that prevents a bank from charging more interest on separate cards. If the bank owns more than one card of completely different stores all cards should have the same interest rates. Citi Bank is deliberately denying my request for the Home Depot Card increase to prevent me from utilizing the XXXX interest rates.

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 2025-03-01 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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 send dispute to investigate multiple time and Experian and EQUIFAX continue with error on my credit report all credit reports company not match which other please removed this fraudulent accounts from my credit report that hurting obtaining credit .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: DISCOVER BANK
State: PA

Complaint narrative:
My information and data was released in a data breach along with XXXX XXXX other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Company sold personal information to collectors after charge off period

Company response to consumer: Closed with explanation