vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have provided Experian on SIX occasions with an FTC identity theft report and various police reports to Experian regarding XXXX XXXX, XXXX XXXX and the identity theft on my report. I have also reported and provided a letter from XXXX XXXX regarding the fraudulent account. Experian is ruining my credit score by refusing to remove the fraudulent items. 

The items from XXXX XXXX and XXXX XXXX are the result of identity theft and are ruining my credit score. Experian had been sued for this in the past. 

DELETE the items!

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 2025-04-06 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:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are as follows : * Account Name : XXXXXX/XX/XXXXXX/XX/XXXX XXXX Upon reviewing my TransUnion credit report on XX/XX/year>, I noticed several discrepancies and incomplete information. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it must employ reasonable procedures to ensure maximum possible accuracy of the information contained in the report, as outlined in 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681i, if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency is required to promptly delete or modify the information, as appropriate. They must also notify the furnisher of the information that it has been deleted or modified from the consumers file.

Additionally, under 15 USC 1681s-2, a person or entity shall not furnish any information relating to a consumer to any consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. 
As such, I am requesting a prompt investigation and correction of the inaccurate and incomplete information listed on 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Ongoing Financial Harm and Delay in XXXX Resolution To Whom It May Concern, I am writing yet again to express my deep frustration and dismay regarding the ongoing financial damage I continue to endure due to Bank of Americas mishandling of my XXXX account and related matters. 

Most recently, I received a notice from XXXX XXXX regarding a balance of {$470.00} allegedly owed to XXXX XXXX XXXX. This is just another consequence added to the long list of damages your institution has caused me over the years. I want to be clearthis never would have been an issue if Bank of America had properly handled my account from the outset. 

For over XXXX years, I have been subjected to unjust financial burdens, unnecessary stress, and ongoing hardship, all directly tied to your institutions actions. The current delay in the IRP ( Issue Resolution Process ) is unacceptable. I have complied with every request and provided all documentation repeatedly, yet there continues to be no resolution in sight. 

The time for patience has long passed. I am demanding that Bank of America expedite the XXXX process immediately. Your failure to act in a timely and just manner is compounding my hardship and now dragging in additional creditors. 

I expect a prompt response, and I want written confirmation that my concerns are being actively reviewed and resolved. This has gone on far too long. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Credit card Account XXXX Experian XX/XX/XXXX Experian violated FCRA 15 U.S CODE 168i - FCRA 611 ( a ) XXXX failing to notify consumers XXXX business day of reinsertion to credit reports from XXXX XXXXXXXX account XXXX in writing or email and failed to submit proof of documents to the consumer.

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a Citibank debit card in the mail under my name. I've never had an account with Citibank. The following day I received a reminder ( from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to activate the card with a PIN that was provided. I did not active the card. 

I had called Citibank the first day and spoke to a rep... he said he could freeze the account and that I would get a letter in the mail about the investigation. The second day when I received the reminder to activate it ... I called again but was not able to get through Also, I singed up with XXXX and noticed a hard inquiry with XXXX XXXXXXXX. I never applied with XXXX XXXX, In another incident, received a credit report from " XXXX '' that I never requested... I never even heard of XXXX. I called them and they said they would send me a letter about the investigation. It's been over XXXX months and nothing so far.

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to you to file a complaint about a debt collection agency that has failed to provide proper validation or verification of a debt, as required by law. 

On or about XX/XX/year>, I requested written validation of a debt that the collection agency claims I owe. The agency is LVNV Funding LLC. Despite my formal written requestand follow-up communicationthe collection agency has not provided sufficient proof that this debt is legitimately mine. 

The following actions were taken : XXXXI received 2 collection letters from LVNV Funding LLC alleging a debt for {$990.00} and {$990.00}. 

XXXXI sent a certified letter to the collection agency asking them to validate the debt, including clear documentation showing the original creditors information and a statement explaining how the amount claimed was calculated. 

XXXXI received an acknowledgement from the collection agency that they received my request. However, they did not send the requested verification or validation documents. 

- I sent a follow-up letter reiterating my validation request. Again, I did not receive proper evidence proving that this debt is valid and legally owed by me. 

I believe the collection agency violates the Fair Debt Collection Practices Act ( FDCPA ) since they have not supplied proof of the original debt, any signed agreement that created the debt, or any detailed accounting to show how the alleged amount was derived. The agency continues to pursue collection efforts without providing me with the requested information, which I find both concerning and potentially unlawful. 

I respectfully request that the CFPB investigate this matter and ensure that this collection agency complies with the law by providing full, complete, and accurate validation of the debt, or ceases collection activity if they can not do so. 

Thank you for your time, and I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NC

Complaint narrative:
Im a victim of identity theft. Some one had stole my identity to open up some credit cards and also non support of a child. I have not given anyone anyone permission or authorization to open these accounts. Inquiries are as follows. XXXX 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 2025-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Incorrect information was added back on to my account after it was deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MA

Complaint narrative:
5 yr ago XXXX send my bill to their collection agency. I appeal with all the documentation and wait for the solution but meanwhile they transferred my case to other collections agency without letting me know. When I received letter, I called and paid the amount they offered me to close account. I paid full amount but still they reported to all 3 credit bureau and affected my credit scores. I spoke with all credit bureau and they said now I have to wait 5 yrs to get my credit score back. It has been more than 5 yrs but they have not resolved and updated my credit score. I suffer more than 5 yrs even though I paid full amount to close it. I need help to get my credit score back. Thank you.

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 2025-04-06 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub>XXXX CFPB XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report that believe is harming my financial wel-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that falil to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
Im a victim of identity theft. Some one had stole my identity to open up some credit cards and also non support of a child. I have not given anyone anyone permission or authorization to open these accounts. Inquiries are as follows. XXXX 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 explanation
Consumer complaint received 2025-04-06 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:
Im a victim of identity theft. Some one had stole my identity to open up some credit cards and also non support of a child. I have not given anyone anyone permission or authorization to open these accounts. Inquiries are as follows. XXXX 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 2025-04-06 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: MI

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. XXXX XXXX XXXX # XXXX Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I made a payment in the amount of XXXX on XXXX with my debit card ending in XXXX and these people still haven't took the balance off my credit report. its reporting to collections and I made the payment! Please remove this off my credit report NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: MI

Complaint narrative:
After my mortgage was transferred from XXXXXXXX XXXX to Selene Finance in XX/XX/XXXX, I began making weekly payments that totaled more than my monthly obligation. However, Selene Finance did not apply these payments until a lump sum hit {$4600.00} on XX/XX/XXXX. I was issued a Notice of Default dated XX/XX/XXXX, which stated I was XXXX days latedespite active payments being made via autopay. 

XXXX held my funds in a suspense account, causing my account to appear delinquent. I was not properly informed that partial payments would not be applied and would instead trigger default. 

In total, Ive sent : XXXX faxes to Selene Finance ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting : - A breakdown of how my payments were handled and why they were not applied immediately. 
- Confirmation that weekly payments were being held in suspense. 
- A clear method to avoid delinquencies and credit reporting issues. 
XXXX certified letter ( XX/XX/XXXX ) reiterating the above and requesting documentation per XXXX. 
XXXX email ( XX/XX/XXXX ) titled Weekly Payments and Suspense Account Clarification asking : - Are payments held until a full amount is met? 
- Can payments be applied immediately? 
- What is the best structure to avoid delinquency? 

Despite all of this, I have received no official written or portal-based responseonly a phone call. I requested that all responses be provided in writing via the customer portal for documentation and transparency. 

Additionally, Selene issued an escrow analysis dated XX/XX/XXXX, showing an unexpected shortage of {$19000.00} and projecting future payments over $ XXXX beginning XX/XX/XXXX. This is a major spike that is unsustainable. The shortage was never clearly explained. The terms of the XXXX loan modification with XXXXXXXX XXXX also remain unclear and likely contributed to the current imbalance. 

I am asking the CFPB to help ensure : Payments are correctly applied moving forward. 
No inaccurate delinquency is reported. 
A full and written response is received from Selene Finance. 
Escrow and loan modification calculations are explained in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is a voice mail transcript left by XXXX who is calling themself community bank. Using robo calls, spoofed numbers and threatening Communication. Under FCRA when asked to provide debt validation they did not provide how they verified the debt which is a direct violation of 15 U.S. Code 1692g. This debt is too old to be on my report and will not be paid I want it removed immediately or I will seek litigation. Here is a transcript of a voice mail left. 

This is Comenity Bank calling we want to connect with you regarding the tax refund. You may be receiving we would like to help you explore options. We have available for a limited time during part of tax season. Our team is standing by please contact us today so we may discuss this special option with you in more detail. Please make it a priority to call us back. Our phone number is XXXX. We look forward to hearing from you today to help you resolve this matter again our phone number is XXXX XXXX I want this removed NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have XXXX inquiries that I DID NOT GIVE WRITTEN CONSENT to any of the XXXX inquiries on my 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
In XXXX of XXXXXXXX XXXX  credit card company sent information to all credit reporting agencies that I file bankruptcy on that card and was closed and I never filed bankruptcy in XXXX it was XXXX when I filed and the card was not opened till XXXX. I filed a dispute with the credit report agencies that the information was not correct and they did investigate it and said I was correct about it not being right but never took the bankruptcy of the account. So in XX/XX/XXXX I did another dispute and it has been closed and information is still the same. It has dropped my credit score about XXXX points and need it fixed it's been 4 months and it hurting my credit if I have to buy something. 

Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief