vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Monday, XX/XX/year> I received a missed call and voicemail ( XXXX ) from someone claiming to be from the " XXXX XXXX XXXX '' to tell me I was going to be served in one hour. They left my full name and address in the voicemail and there was also a case number provided and a number to call XXXX XXXX XXXX ( XXXX ). I called the XXXXXXXX XXXX XXXX number and was redirected to the agent handling my case ( " XXXX '', personal line XXXX ). I was told that I was going to be sued by Citi Bank for over {$8000.00} and that price would double if I was taken to court as I would be responsible for fraud, restitution, and lawyer fees for Citi Bank. They said they had send a letter 90 days ago with a settlement agreement. Which I never received. They asked me to find a family member or a credit card to pay the now discounted ( hardship discount ) for a little over {$5000.00}. She said she would speak with the attorney working for Citi Bank to see what kind of settlement agreement they could give me and told me the case was on temporary hold. I called back the next day to gather all documentation of the case. She said there was no documentation and that the case number and information would be provided in the summons discovery package. She told me since I said this was not my account, I have never had a Citi Bank credit card, that I would be served by the end of the day and " good luck ''. I looked up the case number and there was nothing. I thought my identity could have been stolen which is why I requested all documentation. The legal group hung up on me when I started asking questions, the XXXX XXXX XXXX was disconnected, and I was never served. This was an absolute scam and I do not want this happening to anyone else.

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 2025-02-13 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: NJ

Complaint narrative:
Equifax refuses to restore the 60+ points to his credit score. Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Please immediately re-evaluate XXXX XXXX 's credit score in light of the removal of the negative information and restore the 60+ points back to his credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Valon Technologies, Inc.
State: FL

Complaint narrative:
This is regarding an issue from XX/XX/year> and the amount in question is {$640.00} and the incident was there was a missed payment to a mortgage company named Valon and they have me in their system as a cosigner since it's a joint mortgage, however, after speaking to a representative of their company and explaining that I am not the primary payer towards the mortgage that any missed payments should not reflect on my credit report because it's out of my jurisdiction and I also let them know since I'm not able to make independent decisions regarding this mortgage as if I'm on it by myself they shouldn't penalize me because the primary repair missed aamonthly payment. I've explained this to them, as well as, take credit bureau agency XXXX of the entire scope of the situation and defending myself not being in fault of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
XXXX XXXX XXXX is showing that there is an amount past due. This account has been paid in full upon the agreed amount in settlement and should reflect that no balance is due.

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 2025-02-13 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: SC

Complaint narrative:
XXXX XXXX XXXX is showing that there is an amount past due. This account has been paid in full upon the agreed amount in settlement and should reflect that no balance is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
Experian, Equifax and Transunion is violating this codes : Per 15 U.S.C. S 1681i ( a ) ( 1 ) ( A ) Per 15 U.S.C. S 1681s-2 ( a ) ( 3 ) XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$720.00} Status Open. {$90.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$12000.00} written off. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Chapter XXXX bankruptcy discharged Under dispute Date Filed XX/XX/XXXX Court US BKPT CT 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally communicate this inclusion of the following bankruptcy records on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting an immediate investigation and removal of these inaccuracies : XXXX. Chapter XXXX Bankruptcy Filed XX/XX/year> I have received a letter from the bankruptcy court confirming that they do not provide information to credit reporting agencies. This means that Transunion has not directly verified the accuracy of this information with the bankruptcy court. Therefore, I request that this item be removed from my credit report immediately, as they can not be properly verified. 

Additionally, as outlined in 15 U.S.C. 1681, negligent noncompliance with the Fair Credit Reporting Act can result in civil liability. If this matter is not addressed promptly and accurately, I reserve the right to pursue legal action for any damages incurred as a result of this inaccurate reporting. 

Despite my request for an investigation and removal under the Fari Reporting Act ( 15 U.S.C. 1681 ), These inaccurate items remain on my report, negatively affecting my credit.

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 2025-02-13 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I am writing to notify you that I did not authorize the inquiry in question, and it has no permissible purpose under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: OH

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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

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 XXXX 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 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 2025-02-13 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: NY

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 XXXX 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 2025-02-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: CA

Complaint narrative:
15 usc 1692c Clearly States " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease '' I have notified the company that this debt is not mine that I was on XXXX  for the whole t5ime that I was attending XXXX XXXXXXXX on a very well documented XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Charge-Off Payment History Dear CFPB, I am writing to formally file a complaint against Equifax regarding the inaccurate reporting of payment history related to a charge-off account on my credit report. I believe that this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which outlines the procedures for the correction of inaccurate information.

Details of the Complaint : 1. Account Information : - Creditor Name : XXXX XXXX  XXXX. Inaccurate Reporting : Upon reviewing my credit report, I have found discrepancies in the payment history associated with this charge-off. The information reported does not accurately reflect my payment history and is misleading. This has adversely affected my credit score and has implications for my ability to secure credit. 

XXXX. Dispute Process Initiated with Equifax : I have previously disputed this inaccurate information directly with Equifax, but they failed to take appropriate action to correct the inaccuracies in my report. As per 15 U.S.C. 1681i, I am entitled to have inaccurate information corrected and to receive a timely response from the credit reporting agency.

Request for Action : I kindly request that the CFPB investigate Equifax 's handling of my dispute and their failure to comply with the provisions of the FCRA regarding the correction of inaccurate information. Specifically, I ask that you : - Review Equifaxs practices related to the reporting of the disputed charge-off account. 
- Ensure that they take the necessary steps to investigate and correct the inaccuracies in my credit report. 
- Hold Equifax accountable for their potential violations of the FCRA. 

I have attached copies of my credit report that highlight the inaccuracies, as well as any relevant correspondence I have had with Equifax regarding this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Inaccurate personal information and inaccurate accounts. please see attachment.

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 2025-02-13 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:
accounts are reporting closed and affecting my credit score

Company response to consumer: Closed with explanation