vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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 am requesting a formal review of specific accounts on my credit report, as they may not comply with federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure my report is both accurate and legally compliant. 

Per 15 U.S.C. 1681, I am entitled to privacy and accuracy in my financial records : Section XXXX ( a ) affirms my right to financial privacy. 
Section XXXX ( a ) ( XXXX ) prohibits reporting accounts without my explicit written consent. 
Section XXXX ( a ) ( XXXX ) restricts reporting negative information older than XXXX years, except for criminal convictions. 
Section XXXX ( a ) ( XXXX ) mandates that furnishers only report verified, accurate data. 
In light of these protections, I request a detailed investigation into the disputed accounts. If they can not be fully verified with appropriate documentation, they must be removed immediately. Please provide written confirmation of your findings and any updates made to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
During Covid I stayed at the property and fell behind. I wasnt able to work. A local charity was helping people that were behind on their rent due to Covid. They were given the information and paid but they still put an eviction on my credit even though the money was given to them by a charity on my behalf. For years I have tried to reach out to them to have the debt removed because it was paid and never got anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MO

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within XXXX  days. Enclosed are supporting documents for your review.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The date Capital One has of the first delinquency doesnt match what I have. Under 15 USC1681 BE The creditor must provide maximum possible accuracy, and Im taking into consideration the CFPB is suing the creditor as well. I'm also requesting full disclosure of the XXXX of my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Dear I.C. System, Inc., This letter serves as a formal demand that you cease and desist all communication and collection efforts related to the alleged debt associated with [ Account XXXX ] that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c ), I am requesting that you immediately stop all further contact with me regarding this matter, except for any legally required notices. 

If you believe that this debt is valid, you are required to provide proper validation under 15 U.S.C. 1692g within XXXX  days of receipt of this letter. Failure to do so will be taken as confirmation that no such debt exists or that you lack the legal standing to collect it. 

Furthermore, should you continue to engage in any form of harassing, threatening, or deceptive practices, I reserve the right to take legal action against your company. Any violation of my rights under the FDCPA or applicable state laws may result in a lawsuit seeking damages, attorneys fees, and other remedies available under the law. 

You are hereby notified that any further attempt to collect this debt, including but not limited to phone calls, letters, emails, or reporting inaccurate information to credit bureaus, will be documented as evidence of continued harassment and unlawful collection practices. 

Please provide written confirmation within XXXX  days that you have complied with this demand. Failure to do so will result in me taking further action as necessary.

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 2025-02-26 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 the following accounts has violated my rights : There are several accounts that appear on my credit report which I do not recognize. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I have not received funds from transactions on XX/XX/year> ( {$54.00} ) and XX/XX/year> ( {$150.00} ) due to an error caused by Fiserv. Although the initial issue with my bank account number has been corrected, these funds have still not been transferred. 

The issue originated because Fiserv entered my bank account number incorrectly in their system, causing a delay in processing my transactions. 

I have contacted Fiserv multiple times to request an explanation and a resolution, but they have failed to provide any response or timeline for when I will receive my funds.

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 2025-02-26 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-26 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
The loan agreement involves a 169.4856 % APR on a {$2500.00} installment loan from XXXX XXXXXXXX XXXX XXXX  XXXX, a Utah-based lender.

Im unsure of its legality under Florida law : 1. Usury Limit
s in Florida General cap : 18 % APR for loans {$500000.00} ( Florida Statutes 687.03 ).

Title loans : Capped at 30 % APR for the first {$2000.00} ( Florida Title Loan Act ).

Payday loans : Fees limited to 10 % of the loan amount ( 400 % APR for short-term loans ).

Your loans 169 % APR exceeds all these caps. Even under Floridas revised consumer finance loan law ( 2024 ), which allows 36 % APR for loans {$10000.00}, the rate is illegally high.

2. Governing Law Clause The contract states Utah law applies, but Floridas usury laws likely override this. Courts often enforce state consumer protection laws ( including usury caps ) regardless of choice-of-law clauses.

3. Federal Preemption Banks vs. non-banks : Utah state-chartered banks like XXXX XXXX XXXX are not exempt from Floridas usury laws under federal preemption ( unlike federally chartered banks ). 
This is the payment history and Im in debt even more than the original loan {$2600.00} after made 11 payments : Event ID Date Type Status Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I received a letter stating my information was stolen in a data leak. Didn't think to much of it. a few months later I was contacted by affirm stating I have a balance due with them. They gave me the creditor information and it was for a break job on a vehicle I don't own.The creditor also explained the debt was paid in full but not through affirm. They told me they couldn't help me any further and stated I had to contact Affirm. I asked Affirm for a copy of the contract that they couldn't produce and have now put it on my credit and it's affecting me in dramatically. I would like this debt removed because it has damaged my credit report drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I contacted nissan and they don't have any information on this a count how can they post incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I use XXXX XXXX XXXX  for my checking account I have XXXX set up with my checking account. I made an error and sent several XXXX payments to the wrong person. I gained contact with this person through email, and the person ( XXXX XXXX ) filed a dispute with their bank ( TD Bank ) I also filed a dispute with my bank. My bank denied the claim twice. My bank ( XXXX XXXX ) will not send a request for the funds to returned. XXXX Bank ( TD Bank ) has removed the funds from his account so he can not send them back to me and his bank will not release the funds back to me unless my bank requests them. My bank will not assist me. I need help! XXXX XXXX has provided me with an affidavit of truth and I have provided this to my bank and my bank still denied the claim. XXXX XXXX Claim number XXXX TD Bank Claim number XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On the date I was to receive my Direct Deposit from the Social Security Administration ( XX/XX/year> ) Wells Fargo closed my account indicating it was overdrawn more than 30 days, which is a lie. The account was not overdrawn more than 30 days and they closed my account out of retaliation because I complained of several overdraft charges in XX/XX/year> that they charged my account for. ( {$230.00} ). They didn't reduce or delete any of the charges and so they took their outrageous fees of ( {$230.00} ) out of my Social Security Check, which they have done previously in the seven ( 7 ) years I have been with them. But to close my account, the day I was to receive my Social Security Check, was intentional, spiteful and unethical in every sense. I am XXXX XXXX XXXX with XXXX  XXXX and depend heavily on that check every month.

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