vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Subject : Follow-Up on CFPB Complaint # XXXX Failure to Validate Debt Dear CFPB Representative, I am following up on my previously submitted complaint ( # XXXX ) regarding Midland Credit Account Number : XXXX and XXXX reporting an account that does not belong to me and their failure to provide proper validation. Despite my initial dispute, the company has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) 1681i and the Fair Debt Collection Practices Act ( FDCPA ) 1692g.

Summary of the Issue : I formally disputed the debt, requesting validation.

The company failed to provide verification within the required timeframe or provided insufficient documentation.

Under FCRA 1681i, any unverified debt must be deleted from my credit report. 
The continued reporting of this unverifiable debt is a direct violation of federal law. 

Requested Resolution : I am requesting the immediate removal of this account from my credit report. Additionally, I ask that the CFPB take appropriate action against Midland Credit Account Number : XXXX and XXXX for non-compliance. 

If this matter is not resolved promptly, I will escalate my complaint to the FTC, my State Attorney General, and legal counsel to explore further action.

Please provide an update on my complaint status as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The company involved is XXXX XXXX or they're also know as XXXX. I made several purchases with them. Here 's a list of charges in made : XXXX {$3.00} XXXX {$36.00} XXXX {$24.00} XXXX {$500.00} XXXX {$2.00} XXXX {$3.00} XXXX {$5.00} XXXX {$6.00} XXXX {$6.00} Some of the merchandise that I ordered was fireplace, scooter, shed house, generator, and a smart bed. When XXXX sent me the merchandise they sent me hose that looks like a for a washing machine, another coiled hose, and some bolts and some of the merchandise that I ordered they didn't even send it to me. So I called my bank to do a dispute. Wells Fargo took my dispute and gave me a provision credit. They took my statement as to what happened and I explained to them that the sent me bolts for fireplaces, I got a hose for the scooter, a pair of pliers for the shed house and as for the generator and bed I receive nothing. The majority of my purchases was done through paypal. Wells Fargo told me that all of the provisional credit was stand the case was closed but for the scooter that I got hoses for the bank reverse that charge. I have the pictures of all the things they sent. I called wells fargo because you saw where they sent me none for what I ordered. I'm at a loss for words. I got nowhere with Wells Fargo when it came down to the scooter. When asked for appeal they told me at was done and there's nothing I could do about it. They're making me pay for what I didn't get. Help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I filed a police report online with my local police department. I then filed identity theft with FTC online. I submitted copies of my complaints to the Collections Agency that is trying to collect {$310.00} XXXX XXXX XXXX XXXX is trying to collect a payday loan from Advance America which I never took out. I already provided them via email and mailed in copies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was contacted by a law firm called XXXXXXXX XXXX XXXXXXXX telling me that they were order to serve me on behalf of Allied Cash Advance for delinquent payment. Only Allied Cash Advance I ever been to was back home in Louisiana which was flooded and destroyed back in XXXX Ive tried to research XXXXXXXX XXXX XXXX XXXX XXXXXXXX and the number used traced back to a single person in New York. Other than that no website, no ads, anything. I used the number they call me from and asked for a statement in which I never received. I also found a fraud incident report via online by this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX total XXXX, Discover bank total XXXX XXXX total XXXX XXXX total XXXX. 
XXXX total XXXX Dispute those accounts under the two acts below 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) And 15 U.S.C. 1681s-2 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: WA

Complaint narrative:
Subject : Follow-Up on CFPB Complaint # XXXX Failure to Validate Debt Dear CFPB Representative, I am following up on my previously submitted complaint ( # XXXX ) regarding XXXX XXXX  Account Number : XXXX and XXXX reporting an account that does not belong to me and their failure to provide proper validation. Despite my initial dispute, the company has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) 1681i and the Fair Debt Collection Practices Act ( FDCPA ) 1692g.

Summary of the Issue : I formally disputed the debt, requesting validation.

The company failed to provide verification within the required timeframe or provided insufficient documentation.

Under FCRA 1681i, any unverified debt must be deleted from my credit report.

The continued reporting of this unverifiable debt is a direct violation of federal law.

Requested Resolution : I am requesting the immediate removal of this account from my credit report. Additionally, I ask that the CFPB take appropriate action against XXXX XXXX Account Number : XXXX and XXXX for non-compliance. 

If this matter is not resolved promptly, I will escalate my complaint to the FTC, my State Attorney General, and legal counsel to explore further action. 

Please provide an update on my complaint status 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 explanation
Consumer complaint received 2025-04-02 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: NM

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. Legal Precedent : 1. Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 2. Sarver v. XXXX XXXX XXXX XXXX XXXX, 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. XXXX. Henson v. Santander Consumer USA , Inc., 2017 U.S. Dist. LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

JPMCB - CARD SERVICE 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 2025-04-02 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX total XXXX, XXXX XXXX  total XXXX XXXX total XXXX XXXX total XXXX. 
Citi total XXXX Dispute those accounts under the two acts below 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) And 15 U.S.C. 1681s-2 ( a ) ( 3 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My information was exposed in a data breach. No one had contacted me to help resolve my social security number being exposed also my phone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was recently absorbed by anotheXXXX XXXX and ever since I have been charged illegal and egregious fees for both over draft and uncollected funds. At the time I was charged both of these fee types it was quite evident that first tech had structured the transactions in order to maximize the fee charges they were able to assess to my account. Most recently I was assessed a XXXX/uncollected funds fee for a vehicle payment on XX/XX/year> when I had received an XXXX XXXX XXXX the same day obviously this institution is having some issues processing their transactions or they are purposely making sure their member pay a premium.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4200.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$47.00} XXXX  XXXX XXXX Balance $ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
Someone Stole My Social Security Number & Used My Name To & Open Up An Account That I Did Not Authorize. This Account Is Not Mine, Please Delete His Account From My Credit Report ASAP. 

Thank You So.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Someone Stole My Social Security Number & Used My Name To & Open Up An Account That I Did Not Authorize. This Account Is Not Mine, Please Delete His Account From My Credit Report ASAP. 

Thank You So.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX total XXXX, XXXX XXXX  total XXXX XXXX total XXXX XXXX total XXXX. 
XXXX total XXXX Dispute those accounts under the two acts below 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) And 15 U.S.C. 1681s-2 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I was sent my deposit to XXXX XXXX  on XX/XX/XXXX for the amount of {$1100.00} XXXX says they never receive the deposit even when Social Security was on three-way. Tell them that the funds was released. Then my account was locked. I have no access to it at this time, and this is the second time that my deposit came missing the last time this happened my dispute was disregarded, and we said there were no fraudulent activity to be found, which was a lie. after sitting on the phone with XXXX for hours, waiting to get a agent there was no resolution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: RI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, RI, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX EMPLOYER - XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Someone Stole My Social Security Number & Used My Name To & Open Up An Account That I Did Not Authorize. This Account Is Not Mine, Please Delete His Account From My Credit Report ASAP. 

Thank You So.

Company response to consumer: Closed with non-monetary relief