vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I am a victim of XXXX XXXX  of Debt XXXX I have made the company aware of this, there are a multitude of accounts on my consumer file as a result of this. Including addresses, accounts, & inquiries etc. As per the law, they should be removed after I provide proof of who I am, as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
Account Info Account Name RESURGENT/LVNV FUNDING Address XXXX  XXXX  XXXX, XXXX SC XXXX Phone Number ( XXXX ) XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$490.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$490.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX 2029

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: UT

Complaint narrative:
A creditor 's decision to " charge off '' an account does not change the date it must be removed from your credit report. Thus, charged-off accounts may be reported for seven years from the first delinquency, not from the date of the charge-off. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Charge Off Date : XX/XX/XXXX Date of First Delinquency " XX/XX/XXXX '' see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am formally disputing multiple fraudulent transactions on my account in the amount of XXXX twice {$11.00} twice that originated in Texas. At the time of these transactions, I was in another state, and these charges should have been flagged and blocked. I was informed that the investigation has been completed and that my card was allegedly present during these transactions. I am requesting proof of this claim, including photographic evidence of me using the card in Texas, as well as signed receipts. Given that I was thousands of miles away, these transactions were unauthorized. As you can see from the picture I submitted I was in a totally different state

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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 submitted an online dispute through Experians platform regarding several inaccuracies on my credit report. This included incorrect personal information, unauthorized inquiries, and inaccurate account reporting. The investigation was inadequate Experian marked items as verified without providing any documentation, and no meaningful correction was made. This failure violates my rights under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable and thorough reinvestigation. 

Then, on XX/XX/year>, I mailed a formal dispute letter via certified mail, including copies of my ID, utility bill, and highlighted credit report entries. To date, Experian has not responded appropriately or resolved the issues.

The disputed items include : Incorrect personal information My report contains name errors and outdated addresses that should have been removed.

Unauthorized inquiries Hard pulls from companies like XXXX, XXXX, and XXXX were not authorized by me. 

Inaccurate account data XXXX XXXX is reporting late payments that I formally disputed, and XXXX XXXX accounts show charge-offs with inconsistent balances. 

Experian has not fulfilled its legal obligation to reinvestigate or provide validation of these items. I am requesting CFPB support to enforce compliance and protect my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I checked my personal credit report, which I acquired from your organization, and I noticed that this unauthorized inquiry had been made ( 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 2025-03-23 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: GA

Complaint narrative:
I checked my personal credit report, which I acquired from your organization, and I noticed that this unauthorized inquiry had been made ( please see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: VA

Complaint narrative:
Upon reviewing my credit report I noticed an address that I've never been associated with in any way on my report. The address was XXXX XXXX XXXX, XXXX, VA. That address had an eviction in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report I noticed an address that I've never been associated with in any way on my report. The address was XXXX XXXX XXXX, XXXX, VA. That address had an eviction in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A cashier at XXXXXXXX XXXX in XXXX XXXX XXXX took a return for shoes. She spoke very little XXXX but offered me 10 % off purchases if I gave her my info. I gave her my current drivers license with correct address. She did not give me a copy of the info she received. Another employee was telling her what to input. I did not know she opened a credit card in my name with a bad address. I never received a card or invoice from XXXXXXXX XXXX or Comenity Bank. I am receiving calls from Comenity Bank for collection of a credit card which I never received. They refused to give me the credit card account number or address used. I closed the account. Comenity is trying to force me to reopen the account to refund only one XXXX dollar late fee and pay the remainder. I never received an invoice from XXXX or Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
Personal statement : " I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
Personal statement : " I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

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 non-monetary relief
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
This letter serves as a formal demand for the immediate removal of my student loan accounts from all credit reporting agencies due to violations of my consumer rights under federal law.

Under the **Gramm-Leach-Bliley Act ( GLBA ) **, I have the right to opt out of having my **non-public personal information ( NPI ) ** shared with third parties. Companies such as **TransUnion, Equifax , Experian, and any other unauthorized entities, including XXXX XXXX or affiliated businesses, are third parties** and should not have had access to my private information. **You failed to provide me with the required opt-out disclosure, violating my privacy rights. ** Additionally, under the **Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **15 U.S.C. 6802 ( b ) ( GLBA Violation ) ** You shared my non-public personal information without proper opt-out procedures.

2. **15 U.S.C. 1681b ( FCRA Violation ) ** My consumer report was accessed without permissible purpose.

3. **15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) ** Any inaccurate, unverifiable, or unauthorized information must be deleted.

4. **15 U.S.C. 1692e ( FDCPA Violation ) ** Reporting inaccurate or unlawful debt is a deceptive practice.

By illegally allowing unauthorized access to my personal data, you have violated my **federal consumer rights**, which legally warrants the **removal of these accounts** from my credit report. This is **not a request but a demand**.

I expect immediate action. **Failure to comply within 15 days will result in formal complaints filed with the CFPB, FTC , State Attorney General, and potential legal action. ** I require a written response confirming the removal of DEPT OF EDUCATIONXXXX accounts. If you believe you are in compliance, provide proof of my signed authorization allowing access to my personal financial records by third parties. 

This is your final notice before escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
This XXXX XXXXXXXX debt is not mine! XXXX XXXX has removed the tradeline from my credit reporting agencies due to identity theft please stop contacting me regarding this XXXX debt that I do not owe!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I'm going to say it again here. At no point in my relationship with this bank have you ever seen me as a client to help but only seeing me as someone to exploit, deny access to goods and services of a top tier nature, you have refused credit, even though you let countless businesses charge me monthly payments, making me a victim of an unbalanced and unfair credit schemes, have used my accounts to keep funds from me in an ongoing effort to charge fees and prevent access to service that prevents me from stopping those charges. Notably with XXXX XXXX and XXXX who tried to hide payments by hiding me as the main account holder. 

This has happened XX/XX/XXXX. Going forward. Bank of America has continued to put me in harms way by refusing to let me access my account in a timely fashion, by hiding account balances, and particularly account transactions for excessive amounts of time, hiding for a weekly, reordering transactions for excessive amounts to increase my wait time to profit from overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
This letter serves as a formal demand for the immediate removal of my student loan accounts from all credit reporting agencies due to violations of my consumer rights under federal law.

Under the **Gramm-Leach-Bliley Act ( GLBA ) **, I have the right to opt out of having my **non-public personal information ( NPI ) ** shared with third parties. Companies such as **TransUnion, Equifax , Experian, and any other unauthorized entities, including XXXX XXXX or affiliated businesses, are third parties** and should not have had access to my private information. **You failed to provide me with the required opt-out disclosure, violating my privacy rights. ** Additionally, under the **Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **15 U.S.C. 6802 ( b ) ( GLBA Violation ) ** You shared my non-public personal information without proper opt-out procedures.

2. **15 U.S.C. 1681b ( FCRA Violation ) ** My consumer report was accessed without permissible purpose.

3. **15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) ** Any inaccurate, unverifiable, or unauthorized information must be deleted.

4. **15 U.S.C. 1692e ( FDCPA Violation ) ** Reporting inaccurate or unlawful debt is a deceptive practice.

By illegally allowing unauthorized access to my personal data, you have violated my **federal consumer rights**, which legally warrants the **removal of these accounts** from my credit report. This is **not a request but a demand**.

I expect immediate action. **Failure to comply within 15 days will result in formal complaints filed with the CFPB, FTC , State Attorney General, and potential legal action. ** I require a written response confirming the removal of DEPT OF EDUCATIONXXXX accounts. If you believe you are in compliance, provide proof of my signed authorization allowing access to my personal financial records by third parties. 

This is your final notice before escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
This letter serves as a formal demand for the immediate removal of my student loan accounts from all credit reporting agencies due to violations of my consumer rights under federal law.

Under the **Gramm-Leach-Bliley Act ( GLBA ) **, I have the right to opt out of having my **non-public personal information ( NPI ) ** shared with third parties. Companies such as **TransUnion, Equifax , Experian, and any other unauthorized entities, including XXXX XXXX or affiliated businesses, are third parties** and should not have had access to my private information. **You failed to provide me with the required opt-out disclosure, violating my privacy rights. ** Additionally, under the **Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **15 U.S.C. 6802 ( b ) ( GLBA Violation ) ** You shared my non-public personal information without proper opt-out procedures.

2. **15 U.S.C. 1681b ( FCRA Violation ) ** My consumer report was accessed without permissible purpose.

3. **15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) ** Any inaccurate, unverifiable, or unauthorized information must be deleted.

4. **15 U.S.C. 1692e ( FDCPA Violation ) ** Reporting inaccurate or unlawful debt is a deceptive practice.

By illegally allowing unauthorized access to my personal data, you have violated my **federal consumer rights**, which legally warrants the **removal of these accounts** from my credit report. This is **not a request but a demand**.

I expect immediate action. **Failure to comply within 15 days will result in formal complaints filed with the CFPB, FTC , State Attorney General, and potential legal action. ** I require a written response confirming the removal of DEPT OF EDUCATIONXXXX accounts. If you believe you are in compliance, provide proof of my signed authorization allowing access to my personal financial records by third parties. 

This is your final notice before escalation.

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