vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : DOB : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIERES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX2023, XXXX XXXX XXXX XX/XX/XXXX2023, XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX/XXXX/2023, XXXX XXXX XX/XX/XXXX/2023, XXXX XXXX XXXX XX/XX/XXXX/2023, XXXX XXXX XXXX XXXX XXXX/XXXX/2023

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 2025-02-22 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting Act AccountXX/XX/XXXX ACCOUNT # XXXX, Has violated my Rights 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SEC 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an American Express gift card for {$50.00} for XXXX 2024. Despite confirming the active status of the card and the available balance of {$50.00}, I am unable to use this card in stores where AMEX is accepted as advertised. I am also unable to add the gift card funds to my XXXX, XXXX XXXX or XXXX XXXX, despite AMEX advertising this. Their customer support directs me to reach out to the retailers in question for instructions, but they direct me back to AMEX, so I am currently out of the {$50.00} entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Constant making phone calls to my cell phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX and XXXX health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-02-22 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: NC

Complaint narrative:
Inquiries on my credit profile that were not authorized by me. Furnisher stated that I did not present identity documents.

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 2025-02-22 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: OneMain Finance Corporation
State: TX

Complaint narrative:
It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they delete the alleged late payments on my report. Under federal law they have 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX2025, I attempted to make a purchase with my credit card to qualify for a {$200.00} bonus cash reward, as stated in the bank 's mobile app : " Spend at least {$1000.00} on net purchases by XX/XX/XXXX2025 and get {$200.00} bonus cash rewards. '' However, it had already expired. I have screenshots documenting this discrepancy. Upon noticing this issue : 1 ) On XX/XX/XXXX, I contacted the banks customer service and submitted a ticket request regarding the issue. 

2 ) On XX/XX/XXXX, I received an email from XXXX XXXX XXXX  and called back the same day but was directed to voicemail. I followed up with an email and continued calling daily during business hours but was unable to reach a representative. 

3 ) On XX/XX/XXXX, I finally received a callback, but due to poor connectivity, the issue was not resolved. I immediately called back multiple times and left voicemails, but again, my calls went unanswered. The bank has not followed up since. 

4 ) On XX/XX/XXXX, I called to follow up on the ticket request status and the bank rejected the request. 

Despite numerous attempts, the bank demonstrated not only misleading advertisements and poor customer service but also ineffective and inefficient process management.

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 2025-02-22 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: GA

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. Account name : USDOE/XXXX XXXX, has violated my rights. 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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1962 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute of the validity of your claims. 

Please note : This is an attempt to correct your records and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a station, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
This XXXX XXXX XXXX account was charged off on the following date of XXXXXXXX XXXX. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
This XXXX XXXX XXXX account was charged off on the following date of XXXXXXXX XXXX. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXXXXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. thanks. 
XXXX XXXX XXXX -XX/XX/XXXX-2024 XXXX XXXXXX/XX/XXXX-2024 XXXX XXXX - XXXX-2024 XX/XX/XXXXXXXX2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX - XXXX-2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX XX/XX/XXXX- XXXX-2024 XX/XX/XXXX- XXXX-2024 XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX-2024 XXXXXX/XX/XXXXXX/XX/XXXX-2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights, they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 Complaint for Lack of Verification and Unfair Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and its regulations. Over the past several months, I have repeatedly requested documented proof of the verification of several negative accounts appearing on my credit report, including Charge-Off accounts and collection accounts. However, instead of providing the required documentation to validate these accounts, I have only received generic responses with no actual evidence. 
Under FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough verification and provide clear evidence when a consumer disputes the accuracy of an account. In this case, TransUnion has failed to comply with this requirement, as they have not presented any proof justifying the continued reporting of these accounts on my credit file. 

Additionally, the repeated updating of these accounts without proper verification constitutes an unfair practice that is negatively impacting my credit score.

Therefore, I am requesting the CFPBs intervention to : 1. Require TransUnion to provide the appropriate documentation supporting the verification of these accounts. 


2. Order the immediate removal of any account that has not been properly verified.

3. Take corrective action against TransUnion for non-compliance with the FCRA and its harmful reporting practices. 



I appreciate your prompt attention to this matter and look forward to your response regarding the actions that will be taken to ensure compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
Subject : Formal Complaint for Lack of Verification and Unfair Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and its regulations. Over the past several months, I have repeatedly requested documented proof of the verification of several negative accounts appearing on my credit report, including Charge-Off accounts and collection accounts. However, instead of providing the required documentation to validate these accounts, I have only received generic responses with no actual evidence. 
Under FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough verification and provide clear evidence when a consumer disputes the accuracy of an account. In this case, TransUnion has failed to comply with this requirement, as they have not presented any proof justifying the continued reporting of these accounts on my credit file. 

Additionally, the repeated updating of these accounts without proper verification constitutes an unfair practice that is negatively impacting my credit score.

Therefore, I am requesting the CFPBs intervention to : 1. Require TransUnion to provide the appropriate documentation supporting the verification of these accounts. 


2. Order the immediate removal of any account that has not been properly verified.

3. Take corrective action against TransUnion for non-compliance with the FCRA and its harmful reporting practices. 



I appreciate your prompt attention to this matter and look forward to your response regarding the actions that will be taken to ensure compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute

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 2025-02-22 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX, XXXX and XXXX are allowing the creditors listed below to fraudulenty report negative items on my credit report. I've sent several letters to each bureau and the collection agency to verify the debt and remove the accounts and they have all failed to remove the following information from my credit report. My last letter was sent in XXXX. 

The following accounts are still being reported on my credit report and they should be removed. 

Creditor Name : LVNV FUNDING LLC, Balance : {$840.00} Account number : XXXX. Date opened : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX, Balance : XXXX, Account Number : XXXX Date opened : XX/XX/XXXX Creditor name : XXXX XXXX XXXX XXXX, Balance : XXXX, Account number : XXXX, Date opened : XX/XX/XXXX Creditor name : XXXX/XXXX  XXXX, Account Number : XXXX, Date opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXXX - BALANCE {$2300.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXX BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate 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