vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 
Documentation Still Required : Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-20 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 
Documentation Still Required : Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX Called Eqifax several times because my report information isn't showing to creditors. Had no help getting issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT RE : Unauthorized charge for cancelled order through XXXX Transaction Amount : {$79.00} Order ID : XXXX Payment Method : Discover Card XXXX XXXX XXXXXX/XX/year>, XXXX PST Placed an order from merchant " XXXX XXXX '' through the XXXX platform, Order ID XXXX, for {$79.00}. 

XX/XX/year>, XXXXXXXX XXXXXXXX XXXX  Received notification from XXXX customer service that the order was cancelled. The XXXX application confirmed the cancellation status. Despite this cancellation, the full payment amount remained charged to my account. 

XX/XX/year>XXXX XXXX XXXX XXXXXXXX Upon discovering the charge was still active for a cancelled order, I contacted XXXX customer support directly. The representative stated they were unable to process a refund through their system. I subsequently initiated a billing dispute through my Discover Card. 

XX/XX/year>, XXXXXXXX XXXXXXXX XXXX Received confirmation email from Discover that my dispute claim had been initiated. 

XX/XX/year> Discover issued a determination denying my dispute claim, stating the transaction was valid despite documentation showing the order was cancelled. 

REASON FOR COMPLAINT : I am filing this complaint because : 1. I was charged for services never received due to a merchant-initiated cancellation 2. XXXX customer service refused to issue a refund for a cancelled order 3. Discover Card improperly rejected my legitimate dispute claim I have documentation confirming the order cancellation and am seeking a full refund of {$79.00} for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AL

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 explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I opened XXXX credit through Comenity Bank/Bread Financial . I paid {$41.00} that posted on my checking account on XX/XX/XXXX. I paid {$1300.00} that posted on XX/XX/XXXX and was told that was the entire pay off amount on the phone on XX/XX/XXXX. I paid {$12.00} on XX/XX/XXXX labeled as a late fee ( even though my statement reflects a {$15.00} late fee. ) I asked a Comenity Bank/Bread Financial representative on the phone if any interest will accrue on {$12.00} and they assured me no interest will occur. They assured me that {$12.00} will bring my card balance to {$0.00}. The payment has not posted as of today XX/XX/XXXX. Their terms state that any payment not made by the statement closing date ( in this instance XX/XX/XXXX ) will accrue interest. I was told conflicting information on the phone and noticed once I reviewed the contract. I believe the company is intentionally pushing off the payment post date to collect interest and keep me in debt forever. I want to pay off this account, which is closed, and never deal with this organization/company/bank ever again .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Promised to remove off all credit bureaus in previous complaint to cfpb. Failed to do so after 60+ days. Disputed them and rejected them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
These accounts are not mine they were open fraudently ( Identity Theft ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} Above referenced accounts are not mine no knowledge of such accounts, please verify and remove Also my address is XXXX XXXX XXXX. All others have no connection with me please remove XXXX ; XXXX all others please remove. 

Inquries i didnt give authorization fraudently inquiries remove all please

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 2025-04-20 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: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 
Here is the item i am asking to verify as accurate : XXXX XXXX XXXX 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 2025-04-20 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: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 
Here is the item i am asking to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Thank you for addressing my complaint regarding inaccuracies on my credit report. I am seeking a fair resolution to ensure my credit report is accurate, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX XXXX XXXX  which promotes the accuracy, fairness, and privacy of consumer information held by consumer reporting agencies ( CRAs ). 

The inaccuracies I have disputed such aXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) and many more inquires are in violation of FCRA requirements. Specifically, under 15 U.S.C. XXXXe ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Additionally, under 15 U.S.C. XXXXi ( a ), CRAs are obligated to conduct a reasonable investigation within XXXX days of a consumer dispute to verify or remove inaccurate information. Furnishers of information, per 15 U.S.C. XXXX ( b ), must also investigate disputes and correct or delete unverified or inaccurate information. 

Despite my dispute ( XXXX ) submitted on or about XX/XX/XXXX ) the inaccuracies remain on my credit report, causing, denial of credit, higher interest rates and emotional distress. This failure to correct the errors violates my rights under the FCRA and undermines the integrity of the credit reporting system.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Thank you for addressing my complaint regarding inaccuracies on my credit report. I am seeking a fair resolution to ensure my credit report is accurate, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX XXXX XXXX  which promotes the accuracy, fairness, and privacy of consumer information held by consumer reporting agencies ( CRAs ). 

The inaccuracies I have disputed such aXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) and many more inquires are in violation of FCRA requirements. Specifically, under 15 U.S.C. XXXXe ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Additionally, under 15 U.S.C. XXXXi ( a ), CRAs are obligated to conduct a reasonable investigation within XXXX days of a consumer dispute to verify or remove inaccurate information. Furnishers of information, per 15 U.S.C. XXXX ( b ), must also investigate disputes and correct or delete unverified or inaccurate information. 

Despite my dispute ( XXXX ) submitted on or about XX/XX/XXXX ) the inaccuracies remain on my credit report, causing, denial of credit, higher interest rates and emotional distress. This failure to correct the errors violates my rights under the FCRA and undermines the integrity of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have deposited a {$810.00} settlement into account number XXXX at Citi Bank. They have blocked my account and are not giving any answer as to the status of my account or when I will receive my money.

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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt. 
Request for Verification : XXXX XXXX XXXX. XXXX ( b ), you must provide : XXXX. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency. 
XXXX. A full itemization of the alleged debt, including principal, interest, fees, and all charges. 
XXXX. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 
XXXX. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 
Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 
Cease and Desist Notice : Under XXXX XXXX. XXXX ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within XXXX  days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office. 

MIDLAND CREDIT MANAGEMENT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NC

Complaint narrative:
I am writing to formally dispute the Negative items & remove late payments reported & request an update of my account status to reflect a positive payment history. 

According to the Fair Credit Reporting Act ( 15 USC 1681a ), I have the right to dispute inaccurate information in my credit report. Additionally, under 15 USC 1666b regarding the timing of payments, it is clear that I have never made a late payment on my account. My records indicate that all payments have been made promptly and within the required timeframes. 

Furthermore, 15 USC 6802 emphasizes the importance of maintaining accurate records and protecting consumer information. The erroneous late payment notation not only misrepresents my creditworthiness but also violates these regulations. 

Given this context, I kindly request that you review my account history and correct any inaccuracies related to late payments. I appreciate your attention to this matter and look forward to your prompt response confirming the update of my account status. 

Thank you for your cooperation. 

Sincerely, 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