vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
The unverified accounts listed below that remain on my credit report are in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report violating Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification as I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
Creditor : XXXX XXXX XXXX XXXX 
Acct : XXXX Amount : {$5200.00} Opened : XX/XX/XXXX ( XXXX mos ) Creditor : XXXX XXXX XXXX  Acct : XXXX  Amount : {$180.00} Opened : XX/XX/XXXX ( 6 mos ) Creditor : FIRSTPOINT COLLECTION RESOURCES Acct : XXXX Amount : {$230.00} Opened : XX/XX/XXXX ( 2 yrs, 9 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, and incomplete and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ) billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX  [ IN-BOX ] P PayPal Your Order Has Been Placed!! 
Product Information AMOUNT PAID ON : XXXX AMOUNT PAID : {$290.00} TRANSACTION ID : XXXX PAID AT : XXXX XXXX CUSTOMER ID : XXXX PAYMENT DETAILS It may take 1-2 days for this transaction appear in your account Your order at XXXX XXXX XXXX XXXX ) Taxes Subtotal Paid Amount {$290.00} {$50.00} {$340.00} {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Giact Systems, LLC
State: NY

Complaint narrative:
My XXXX brokerage account will not permit me to link some of my checking accounts. The advisors at Schwab told me only XXXX could help. 

I have now called two times, both times being placed immediately on hold. After ten minutes on hold, XXXX hangs up the call without allowing me to speak with a representative. 

XXXX does not answer the phone. I have been unable to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
I logged into my account to see how the payments were being reflected. I had noticed that the amount being deducted from my bank account did not show accurately on their statements. I also saw that payments starting from XXXX were showing as suspended. I don't take calls from spam numbers and if they tried emailing me it could have gone to a spam folder, I did a search and found nothing. I tried the auto chat, and was transferred to a customer service rep, XXXX, and she asked my name, then asked that I log into my own account. She stated it's their policy that even if there are 2 people on the account, they have to log into their own account and then she left the conversation.

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 2025-04-09 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: AL

Complaint narrative:
XXXX XXXX | Account # XXXX I am disputing an inaccurate and noncompliant reporting entry from XXXX XXXX. The account was settled and closed, yet is being reported inconsistently : - Different statuses per bureau : - Equifax : " Charge-off '' - Experian : " Legally paid in full for less than full balance '' - TransUnion : `` Payment after charge-off/collection '' - The payment history also varies, which is

a Metro 2 formatting violation. As per FCRA Section 623 and Metro 2 compliance, information reported to consumer reporting agencies must be accurate, complete, and verifiable. These violations suggest that this account is not reliably reportable.

I request that this account be deleted from my credit file due to inconsistencies and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AL

Complaint narrative:
XXXX XXXX | Account # XXXX I am disputing an inaccurate and noncompliant reporting entry from XXXX XXXX. The account was settled and closed, yet is being reported inconsistently : - Different statuses per bureau : - Equifax : " Charge-off '' - Experian : " Legally paid in full for less than full balance '' - TransUnion : `` Payment after charge-off/collection '' - The payment history also varies, which is

a Metro 2 formatting violation. As per FCRA Section 623 and Metro 2 compliance, information reported to consumer reporting agencies must be accurate, complete, and verifiable. These violations suggest that this account is not reliably reportable.

I request that this account be deleted from my credit file due to inconsistencies and unverifiable 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 non-monetary relief
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-09 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: GA

Complaint narrative:
In XXXX  I had an emergency XXXX XXXX XXXX XXXX. I have and had XXXX insurance that should've covered the bill. However i was still personally billed. I contacted Medicaid and they said they paid the bill. I believe the doctor has a personal vendetta against me because I reported her for discharging me immediately after the XXXX  although I could not walk. Now the hospital had sent XXXX  bills to the credit bureaus as if I obtained a loan from them. Medicaid has confirmed they paid the XXXX bill. I'm responsible for {$0.00} co-pay and the XXXX was covered. I requested Equifax remove the hospital bill from my credit report via online dispute because of the new law however they did not. They simply verified the debt with the creditor incorrect records. I cited the new rule to Equifax regarding restricting medical bills, they did not restrict the information and the debt was questioned to me from a lender who was still able to consider it as a sample of how I handle debt when it does not reflect my actual good history of paying lenders. This is a credit report. I have not received any credit or loans from the hospital as stated on the report that " we had terms of XXXX  month ''. There was no agreement to pay any amount. They accepted my insurance. This is not a credit plan or loan transaction.

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 2025-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account from XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. This account has resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit reports. I've attached a list of the accounts in question as well as a copy of the Experian XXXX XXXX credit report as I was unable to pull my XXXX or XXXX reports online for some reason, these reports show the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX. Thank you for your support regarding this matter, XXXX regards, 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 2025-04-09 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I used a pay a person option and I did XXXX transactions on XX/XX/XXXX for {$500.00} and on XX/XX/XXXX for {$500.00} and on XXXX for {$160.00}. And all three transactions routed to a different bank which I don't have an account with, and it placed my name as a recipient on those. 

It should generate a security question for pay a person which I didn't get at all these XXXX transactions, and it went to a different account. I think there is a security breach and so many loopholes in this pay a person feature with this bank.

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 2025-04-09 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX  - Balance : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1300.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$2800.00} - Account # : XXXX XXXX XXXX - Balance : {$7800.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX, XXXX XXXXXXXX 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Bridgecrest repeatedly sent me conflicting text messages about my loan status. Some messages encouraged me to make a payment to avoid repossession, while others claimed my vehicle was already assigned for repossession. This left me unsure if making a payment would stop the repossession, and I feared Id lose money and still lose my car. 

I sent Bridgecrest a certified demand letter on XX/XX/XXXX, asking them to stop all repossession activity and respond to my dispute. They received the letter but never responded. Instead, they moved my vehicle from the original tow lot to what appears to be an auction yard, even though the sale was scheduled for XX/XX/XXXX. As of now, my vehicle still hasnt been sold, but no one from Bridgecrest has contacted me or resolved my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX pm, while on vacation in XXXX XXXX in the XXXX XXXX, I received a text message from XXXX Bank stating that a purchase in the amount of {$2400.00} at XXXX XXXX had been declined pending verification. I immediately called the bank and reported the transaction as fraudulent. They cancelled my card and I destroyed the card. I then checked the other XXXX credit cards that I had with me and found that both had similar charges posted to them for the same merchant. ( XXXX XXXX Bank ( XXXX Card ) in the amount of {$1400.00} and Barclay 's Bank ( XXXX Rewards card ) in the amount of {$2600.00}. I immediately contacted each bank and reported the transactions as fraudulent and was told by both of them to destroy the cards. Several weeks later, I received notification from XXXX XXXX that the transaction had been reposted because it was a " chip '' transaction. I called and disputed the transaction again and received notification that the transaction was indeed fraudulent and the transaction was reversed on XX/XX/XXXX. On XX/XX/XXXX, I received notification that the minimum payment was due on my XXXX 's account. The amount was quite a bit larger than the normal minimum payment and when I checked my account found that they had reposted the {$2600.00} charge on XX/XX/XXXX. I called to dispute the charge again. They said that it was determined that this was not a fraudulent charge because the chip card was used and I said that the card had not left my possession. When I researched the merchant, they are located in XXXX XXXX which is hours away from XXXX XXXX and we never left the resort. Barclays said I needed to submit a written request. A letter including back up documentation from all the banks involved was sent via certified mail on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail from Barclay 's Bank that the paperwork had been received and they were reaching back out to the investigations team. On XX/XX/XXXX I received a call saying there was no fraud. I again disputed the charge and was told they would resubmit to investigations. On XX/XX/XXXX they called again and denied the fraud and said they would not investigate any further. At no time did I initiate any of these transactions, nor did I receive any services for this charge.

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