vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This was a prepaid Mastercard for {$7.00}, issued by Equifax as part of their recent settlement ( www.EquifaxBreachSettlement.com ). Ive tried using this card at multiple online retailers and even attempted to process a payment through XXXX, but each time, I encounter an error. Based on online research, the issue might be that a PIN is required. However, I dont remember setting one up, and I cant find any option to reset it when logged into the cards account ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to identity theft, as documented in my Federal Trade Commission Identity Theft Report ( FTC Report Number : XXXX ). 

Accounts in Question : XXXXXXXX XXXX XXXXXXXX, Account Number : Not Provided, Fraudulent Amount : {$760.00}, Fraud Began : XX/XX/year> XXXX XXXX XXXXXXXX XXXX, Account Number : XXXX, Fraudulent Amount : {$660.00}, Fraud Began : XX/XX/year> XXXX XXXX XXXX, Account Number : Not Provided, Fraudulent Amount : {$260.00}, Fraud Began : XX/XX/year> XXXX XXXX XXXX XXXX, Account Number : XXXX, Fraudulent Amount : {$400.00}, Fraud Began : XX/XX/year> XXXX XXXX Account Number : XXXX, Fraudulent Amount : {$1700.00}, Fraud Began : XX/XX/year> This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this identity theft.

15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the identity theft, I request a thorough review of my credit report to identify and rectify any inaccuracies.

15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this theft.

15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the identity theft is not reported inappropriately.

15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this identity theft, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days. 

Sincerely, 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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
My case # XXXX hasnt been resolved and its been XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
i searched and tried to reach out directly to the merchant with no luck. so i immediately contacted truist bank to file a fraud. once claim was filed it was denied within 24 hours. since then i have been asked a million things to provide which i have tried on numerous occasions to be told that was not enough information. they are wanting me to reach out to XXXX to get documentation i was told directly from apply they do not provide as its part of their terms of service. XXXX  once again called me today to tell me what i sent was not enough supporting documentation.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: AR

Complaint narrative:
We called XXXX XXXX XXXX XXXX XXXX XXXX to try to pay off my account, which I was paying off monthly. They quit sending out statements. When we called their billing department, the lady told us that she couldn't find where I owed anything. I never once received a statement of a past due bill. Now I'm getting a letter from a debt collector XXXX  years later? I called the Aargon Agency, INC and the lady told me she couldn't tell me the number of the XXXX health but could send me the original documents. I in good faith tried to pay this bill off.

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 2025-05-12 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
CFPB Complaint Summary XXXX XXXX Complainant : XXXX XXXX XXXX Servicer : University XXXX XXXX ( XXXX ) School : XXXX University Account Number : XXXX Date Range of Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Complaint Description I am a student at XXXX University, and my XXXX loan serviced by University XXXX XXXX ( XXXX ) was reported with 120-day late payments from XX/XX/XXXX through XX/XX/XXXX. These late payments were reported in error. I was actively enrolled and attending classes during that entire period, and my account should have been in in-school deferment status.These inaccurate late payments have severely damaged my credit score and are now preventing me from qualifying for an FHA mortgage XXXX which is urgent for my familys housing needs.I have contacted XXXX University XXXX XXXX, and XXXX  multiple times and provided verification of my enrollment, but the late payments have not yet been corrected or removed. I also filed a XXXX  complaint and still have not received resolution.I am requesting that the CFPB assist in having : - The inaccurate late payments removed from my credit report- XXXX  and XXXX  formally acknowledge and correct the reporting error- The credit bureaus update the reporting with a Rapid Rescore request from my mortgage lender Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Roadrunner Account Services, LLC
State: FL

Complaint narrative:
This is a idenity theft case and i want this account removed attached is a idenity theift report. there has been a data breach with transunion and experian that has caused alot of issues. i did these issue cleared now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-12 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-12 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: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I paid a collection account off with pentagon federal credit union in XXXX of 2025. I was told i would receive a letter to show the account reflects a {$0.00} balance when i called back two weeks later i was told that the representative from their company lied and they do not give out receipts nor letters showing the account has been paid. So i disputed it with all credit companies in which their investigation came back are remains due ti pentagon federal credit union stating i didn't pay the account and their hasn't been an updated balance since. I disputed the account again in XXXX two times only for penfed to tell me it will update whenever it updates. Ive already written experian and disputed through my online portal still has yet to be updated. And my score is still low nor can i update it through my app

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 2025-05-12 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: MI

Complaint narrative:
I am writing to dispute an account listed on my Equifax credit report that I believe is inaccurate or potentially the result of identity compromise. Given the history of the Equifax data breach, I am especially concerned about the validity of this entry. 

XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$43000.00} Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am requesting a full reinvestigation of this account. If the account can not be verified through documented evidence from the original creditor, it must be deleted from my credit file. Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), the reporting of unverifiable or inaccurate information constitutes a violation of federal consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
There is an account on my credit report that I do not recognize and have never been associated with. It is completely unknown to me, and I have no idea how it ended up on my file. This looks like a case of mixed or incorrect data, and its unfair that Im being held responsible for someone elses account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
The original company XXXX XXXX XXXX XXXX XXXX ) never contacted me to let me know about the debt I never got an email, text, phone call, nothing. So they sold my debt to a collection agency without my consent and the collection agency never reached out to me til I reached out to XXXX and they told me to reach out to the collection agency and see what they can do about getting the price down. The debt is owed from where I went into XXXX XXXX In XXXX, AL ( this happened sometime In like XXXX of XXXX ). One of the counselors.there in XXXX told me oh you have good insurance I dont know why you are here lets get you moved to our warrior facility. So I moved to the other facility and completed the XXXX  day stay. Now when I got there no one said that they didnt take my XXXX they just put my insurances in and sent me on my way.

Company response to consumer: Closed with explanation