vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ga, XXXX Subject : Debt Validation Request Dear Rent Recovery Solutions LLC I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. 
Please provide me with the following information regarding this debt : XXXX. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect. 2.The name and address of the original creditor to whom the debt was originally owed and the current creditor 3.Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. Please note that this request does not acknowledge that l owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report I am writing to formally dispute inaccurate information that remains on my credit report, despite previous attempts to have it corrected. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for similar issues, including failing to properly investigate disputes and report accurate information. I am experiencing the same violations, which negatively impact my credit profile and financial well-being. 

I request that you : Conduct a proper investigation in compliance with federal law. 
Remove or correct the inaccurate information immediately. 
Provide me with a written confirmation of the changes or an explanation if the information is not updated. 

Failure to properly investigate and correct these errors may result in legal action, as evidenced by the CFPBs lawsuit. Please complete this investigation within the 30-day timeframe required by the FCRA.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide a response to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: TX

Complaint narrative:
I logged into my account this afternoon without any issues. I added funds and everything was fine. 3 hours later. I added funds again the I logged in and immediately was logged out and my card stopped working. I called and was met with a message asking me to email. I emailed and got a response from someone telling me my account was closed due to a zero balance for more than 120 days. I let the person know thats not possible cos as recently as today I was able to access my account and I would like my funds back because it was already in the account. The response I got was a completely hostile rejection. I was told my account will remain closed and any funds that was requested will be refunded with an explanation of what that means. I just want my funds back as its becoming obvious this was the wrong bank to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCPA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer! Same for Equifax as well.

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 2025-03-09 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX an unknown person hacked into my XXXX account and was able to access my payment information and make a number of fraudulent charges online at XXXX totaling to approximately {$2000.00}. The person changed my address on file to their address in another state and used my name to have the items shipped to their home. One of these fraudulent charges, totaling to {$500.00} was denied by my bank therefore XXXX paid the company XXXX directly. As a result, I did not get refunded by my bank and XXXX requested that I resolve the negative balance with my own money, even though I did not make this fraudulent charge. I have filed several claims and opened several cases with XXXX, however they refuse to verify factual information and complete the proper investigations to resolve this issue. I have also filed a police report and am in communication with a lawyer to determine if legal action needs to be taken against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit health.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the unauthorized access and use of my personal information as it relates to my consumer credit report and financial data. Upon reviewing my records, I have identified instances where my personal and financial data were accessed or used for account XXXX without my consent, in violation of the following federal statutes : 1. 15 USC 6802 Privacy of Consumer Financial Information : Under this provision of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing personal financial information without explicit consent from the consumer. I assert that my personal financial information has been accessed or shared without my consent, which violates the provisions outlined in 15 USC 6802. I request immediate clarification and resolution regarding how my data was accessed and why this occurred. 
2. 15 USC 1681b Permissible Purpose for Obtaining Consumer Report : Under the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for permissible purposes as defined under 15 USC 1681b. I do not believe the party requesting access to my credit report had a valid, permissible purpose to do so. I request that you provide a full explanation and documentation of the legitimate purpose for any inquiries made into my credit report, as well as any actions taken based on that information.

3. 18 USC 1028A Identity Theft : The unauthorized use of my personal information may also constitute identity theft under 18 USC 1028A. If my identity has been stolen, I demand an immediate investigation into this matter, and all necessary actions to rectify any fraudulent activities associated with my name and personal data. I request that you provide me with detailed information on any suspected fraudulent activities that have occurred.

As a consumer, I have the right to protect my personal and financial information from misuse and unauthorized access. Please investigate these concerns immediately and provide me with a resolution. If my information has been accessed or used inappropriately, I demand that corrective actions be taken and any negative impacts on my credit report be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: KS

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
The accounts are 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 2025-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: WA

Complaint narrative:
I hadn't yet received my 1099-INT for tax season from Vio Bank so I called them on XX/XX/year> to check in to see what the issue was. They did not have my updated address so I gave them my new address to send the form. I inquired whether they could send the form digitally, but the customer service rep said they could not since I had closed my account after the CD had matured and I had transferred my money out. I am also not able to access my account statements digitally. It seems odd to me since Vio is purely a digital banking institution. It's been 21 days and my 1099-INT still has not made its way to my mailbox. I signed into my online portal and, confusingly, the interface does state that I am able to access my statement digitally, though, when I try there is a XXXX  error. I'm very very frustrated as this is an important document for tax purposes. It was my understanding that since this bank is a digital institution it would be a much simpler process to get all of this documentation than it is turning out to be. I would definitely caution others against this bank purely because they don't seem to be consistent and you have to trust this institution with your money at the end of the day.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After being denied a credit card from XXXX XXXX. I pulled my consumer report which show inaccurate and adverse information being reported as XXXXXXXX XXXX XXXX XXXXXXXX was charged off XX/XX/year> {$480.00}. I was never provided this information to claim the income on my tax return which I will need to make amend.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After being denied a credit card from XXXX XXXX. I pulled my consumer report which show inaccurate and adverse information being reported as XXXXXXXX XXXX XXXX XXXXXXXX was charged off XX/XX/year> {$480.00}. I was never provided this information to claim the income on my tax return which I will need to make amend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Collection Agency - XXXX XXXX XXXX Original Creditor Name - XXXX XXXX XXXX  Date Assigned- XX/XX/XXXX Amount Owed- {$1000.00} Account Number- XXXX XXXX XXXX XXXX XXXX XXXX  Date of first delinquency - XX/XX/XXXX 15 U.S. code 1692c. Communication in connection with debt collection. 
The Law clearly states : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
This evening, XX/XX/XXXX, I checked my credit score and noticed it was XXXX points lower than it usually is. I had not opened any new accounts or had any inquiries since XX/XX/XXXX, when I refinanced my house. 

I did a full credit report and saw that I had a collections account for {$1300.00} from " SEQUIUM ASSET SOLUTION '' stating that the original creditor is XXXX XXXX. I had not made an account with either company nor purchased anything for {$1300.00} that I had not paid back. 

It says that the collection account was opened XX/XX/XXXX. 

Since it's the weekend that I am just finding this out, I can't call to dispute the account through XXXX until Monday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
Dear Credit Bureaus, XXXX XXXX is never reported correctly, XXXX XXXX keeps reporting inaccurate information on my credit. I will have to reach out to the CFPB due to failure to investigate the inaccurate reporting of XXXX XXXX. My credit score keeps dropping due to XXXX XXXX reporting inaccurate information. XXXX XXXX continues to open and close my account and increase and decrease the amount owed. I am requesting removal of this account due to inaccurate reporting. Under the FCRA my credit information should be reported fairly and accurately, I am experiencing damages due to inaccurate reporting of XXXX XXXX and request that the account is removed. I have disputed this account several times, there has been no proper investigation of why the account owed keeps being altered and the account keeps opening and closing. I am requesting the account to be removed. I have enclosed the effects it had on my credit report in which hasnt been resolved or properly investigated by your team. 

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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, 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 Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that 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. 1681 ( 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. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly 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 [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified 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 with legal standards. A copy of my identification and any relevant supportina documents are aispute with the utmost seriousness and compliance with legal standards. 
A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit 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 explanation