vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank
State: OK

Complaint narrative:
First progress credit card failed to send me a new card when my other one expired. I already informed the company. Then I decided to get my refund since they were taking forever. I asked for my {$XXXX} deposit refund and then I could close my account with them. They told me they were sending a check and it should take 30 days. I waited 30 days then they said they had the wrong address. They voided that check and sent a new one to the correct address. They said wait another until XX/XX/XXXX. XX/XX/XXXX nothing is here and they say nothing was sent. Give it XXXX business days if nothing gets there call back. I call back today XX/XX/XXXX after checking the mail, now they are saying it should have been deposited AFTER telling me they cant deposit it on XX/XX/XXXX it has to be through mail! Its not deposited and they are stalling!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I submitted a dispute to Experian and Equifax regarding a hard inquiry from XXXX in XX/XX/year>, requesting its removal. Despite my request, the dispute has not been properly investigated or resolved. 

I reached out to Experian and Equifax to dispute the inquiry, requesting its removal since no credit was extended to me. However, my dispute was either ignored, inadequately investigated, or denied without proper justification. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and fair investigation, yet I believe my dispute was mishandled. 

Recently, the CFPB filed a lawsuit against Experian for failing to conduct proper consumer dispute investigations, highlighting sham investigations that fail to resolve inaccuracies. I am concerned that my dispute has been treated in a similar negligent manner, leaving inaccurate and harmful information on 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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Dispute Letter to XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Account # XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the validity and accuracy of the above-referenced account being reported by Profile Recovery Associates LLC ( PRA LLC ). The account in question, associated with XXXX XXXX  and XXXX XXXX, is listed with a balance of {$XXXX}. 

This account has already been paid in full, and therefore, PRA LLCs attempt to collect on this paid debt is erroneous and in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting immediate investigation into this matter and demand that this account be removed from my credit reports and any further collection activity cease.

I also request : Full validation of this debt, including a complete itemized history of all charges, payments, and adjustments.

A copy of any contract or agreement bearing my signature that authorizes Profile Recovery Associates LLC to collect on this account. 
Immediate correction of my credit file to reflect the accurate status of this account as Paid in Full. 
Please consider this letter formal notification under both the FDCPA and the FCRA. Failure to respond within 30 days will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office. 

I expect your prompt attention and resolution to this matter. Please confirm in writing that you have corrected this error and that no further collection activity will take place. 

Sincerely, Enclosures : [ List any documents youre including, if applicable proof of payment, previous correspondence, etc. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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.

Complaint narrative:
My account was flagged with a debt review flag, however I am not over indebted and this was done without my consent. I need assistance with this credit profile to be cleared I have not done any inquiries however I also have missed payments.

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 2025-03-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
TO Equifax : I am writing to formally request an investigation into an incorrect debt listed on my credit report that was reported by XXXX. I have previously disputed this debt in XXXX, but no response was received from the creditor, and I am now requesting your assistance in reviewing the matter further. As part of my dispute process, I sent a certified letter to the creditor at the address listed on my credit report, requesting documentation that would substantiate this alleged debt. Specifically, I asked for six pieces of evidence to verify this debt, as outlined in the documents I attached. 
This failure to provide a response to my request for concrete evidence clearly establishing this debt as mine, in addition to the lack of a valid address for the creditor, raises serious concerns about the accuracy of the information being reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of any alleged debt, and I believe that XXXX has failed to comply with the legal obligations to substantiate this claim. As a result, I respectfully asked that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter. 
Specifically, I request that the incorrect debt listing from XXXX be removed from my credit report in accordance with the FDCPA and relevant regulations. Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure that my credit report is corrected, and I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-03-06 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: NM

Complaint narrative:
I am beyond furious to see a fraudulent account on my credit report. This account was opened without my consent, and its clear that my identity has been stolen. This is NOT something I should be dealing with, and frankly, Im outraged that this is even on 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 2025-03-06 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: PA

Complaint narrative:
I am reaching out to address significant concerns regarding errors in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These issues are affecting my financial stability, and I require your prompt assistance in resolving them.

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 2025-03-06 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: PA

Complaint narrative:
I am reaching out to address significant concerns regarding errors in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These issues are affecting my financial stability, and I require your prompt assistance in resolving them.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-06 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: FL

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-06 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-06 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: CA

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.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XX/XX/XXXX, indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Equifax may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with Equifax through certified mail, my concerns remain unaddressed. Situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
Equifax Have information that incorrect information on my credit report that is not, according to 15 usc 1692c you have violated my rights by in lawful communication please remove this from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello our Friday dispute with American Express serve on XX/XX/year> on my temporary car ending in XXXX. I received the temporary card from XXXX XXXX, but upon getting the temporary car, I was told by the agent that American Express will send me a personalized car in the mail. I also confirmed that they will be sending me a personalized car in the mail when I call the temporary number on the card however I never received my actual physical card. I ended up losing my temporary car which has no type of security on it at all. It doesnt even give you the proper alerts when someone uses your car. Its a temporary car interior car comes. It has no security whatsoever and these guys are refusing to grant my refund because they no error was found when I know an arrow was found someone used my temporary car and authorized over {$2000.00} transaction. I want my money back and they are refusing to give it to me. This company does nothing but scam people out of their money. They have no concern when it comes to their disputes and Im going to report them to every agency I can because I want my money. I did not take these funds out of my account and I would like them back. They need to stop giving their customers temporary cards and make sure that they have actual physical cards. They need to start doing check ups to make sure our customer receive their card callbacks any of that to ensure the security of the customer they do not have any type of security. All I want is for my refund to be granted in my decision on my dispute is turned over and granted in my favor because its not my fault that they did not issue a permanent car on time when I called to dispute my transactions they advise me that I did not even have a permanent card on the way. The agent literally had to put a request in for a permanent card that Im just now receiving today and still nothing is on my card. Still, the dispute is denied and it should not be my fault because yall should have locked the temporary car when I called and told You it was stolen and not in my possession you guys left it unlocked and now someone has access to my money and took all my funds and youre trying to tell me youre not gon na give it back thats not fair to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation