vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am Writing to dispute the following accounts on my Experian Credit report, Which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). Fraudulent Accounts : XXXX XXXX XXXX XXXX  Account : XXXX Balance {$380.00} XXXX XXXX XXXX XXXX Account : XXXX Balance {$460.00} XXXX XXXX XXXX XXXX  Account : XXXX Balance {$460.00} XXXX XXXX XXXX Account : XXXX Balance {$760.00} XXXX XXXX XXXXXXXX XXXX  Account : XXXX Balance {$490.00} XXXX Account : XXXX Balance {$1000.00} XXXX XXXX Account : XXXX Balance {$890.00} XXXX Card Account : XXXX Balance {$7200.00} U S DEPT OF EDXXXX Account XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX Account : XXXX Balance {$1800.00} XXXX XXXX XXXX Account : XXXX XXXX {$700.00} XXXX XXXX XXXX Account : XXXX Balance {$1100.00} XXXX XXXX XXXX Account : XXXX Balance {$390.00} XXXX XXXX XXXX Account : XXXX Balance {$610.00} XXXXXXXX XXXX XXXX  Account : XXXX Balance {$380.00} XXXXXXXX XXXX XXXX  Account : XXXX Balance {$460.00} XXXXXXXX XXXX XXXX Account : XXXX XXXX {$910.00} XXXXXXXX XXXX XXXX Account : XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX Account : XXXX Balance {$1100.00} XXXX XXXX XXXX  Account : XXXX Balance {$890.00} XXXX XXXX XXXX Account : XXXX Balance {$760.00} XXXX XXXX XXXX  Account : XXXX Balance {$520.00} XXXX XXXX XXXX Account : XXXX Balance {$540.00} XXXX XXXX XXXX  Account : XXXX Balance {$940.00} I request the immediate removal of these accounts under the FCRA, Specifically 15 USC1681e ( b ), 15 USC 1681s-2, 15USC ( 5 ) and 15 USC 1681 c ( c ). Furthermore as per Law 605 B, These fraudulent accounts should be eliminated from my credit report. your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial protection Bureau ( case name : Consumer Financial protection Bureau v. Experian Information Solutions , Inc ) This lawsuit highlights Experians failure to conduct proper investigation and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian addresses this matter in accordance with the FCRA I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts under from my credit report. Thank you for your time and cooperation.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit report have charged-off accounts reporting a balance and no 1099-C was not issued by these creditors, which is a violation of IRS regulations and FCRA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
These accounts are reporting inaccurate and are fraudulent. Please remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These accounts are reporting inaccurate and are fraudulent. Please remove them immediately.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
This letter is sent in response to an account bought by you on an unspecified date from XXXX. I am requesting that you provide validation of this debt. 
If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Nevada Attorney Generals office. Civil and criminal claims will be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
The company reached out to me XX/XX/2025 via my email address. 
In order to dispute the debt I had to log onto their website and dispute it via their process. I did that XX/XX/2025 and I requested all of the information with my original signature and the agreement stating that I owe this debt The company never sent any of the information. I also requested it XXXX times via XXXX and they never sent it to XXXX either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I sent a letter certified mail to request validation of debt and to cease and desist on attempting to collect the debt until it is validated. I do not know this company and have not signed any contract with them. They are threatening legal action for {$7900.00} and offer no proof that I legally owe them the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Check Into Cash has began running credit reports ( hard inquiries ) on me starting sometime during XXXX through XXXX ( I'm not sure of the exact date or year they started ). However, the company was running hard inquiries that were meant for applying for and obtaining title and flex loans. I have never applied for neither one. I have taken out payday loans every month since around XXXX or XXXX at the same location. But never applied for a title or payday loan. When I inquired about them ruining my credit by pulling hard credit, they said they had to do it and said that it was just so they could see if I my credit was good enough to apply for a title or flex loan. I told them I never would be applying for either of those two loan types, but they continued to run my credit as hard inquiries all these years. I could not take out the payday loans I'm stuck with taking out every month unless I signed a piece of paper, which tells me they're forcefully going pull my credit report whether I liked it or not. The Check Into Cash company in Tennessee fraudulently and forcefully pulls every single customer 's credit report whether they realize it or not. Most all customers have never realized what the form was they were signing. I didn't until I had my credit report locked and they told me I had to unlock my credit report temporarily every month so they could run my credit report ( hard inquiries ). The company forces it on all customers. Please help us clear our credit reports of all of this company 's hard inquiries. And, I/we should receive compensation for all the years of damage they've caused to my/our credit scores all these years, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I never imagined that a simple {$60.00} transaction could unravel my financial life and plunge me into a bureaucratic nightmare. My story is one of frustration, helplessness, and an unwavering determination to fight for justice. I share this with you in the hope that no one else has to endure the same ordeal. 
It all started innocuously enough. A friend of a friend sent me {$60.00} via XXXX. through two transactions, I never questioned the transaction, believing it to be just another casual exchange. Little did I know that this would trigger a chain reaction that would upend my financial stability. One day, I logged into my
Navy Federal account, only to be greeted with a chilling message : " Your account has been closed. '' Panic set in as I scrambled to understand why. Navy Federal provided no clear explanation, leaving me in the dark. Desperate for answers, I contacted their customer service several times from XX/XX/XXXX through XX/XX/XXXX speaking with agents who only gave me a first name and the department they were in, they informed me that the {$60.00} payment was flagged as fraudulent, resulting in the closure of my account. Being met with vague responses and outright denial of any previous correspondence regarding the closure of my account felt like a punch to the gut. How could a small amount of money lead to such drastic consequences? Moreover, why was I being punished for something beyond my control? 
The problems that arose from this situation were numerous and far-reaching : 1. Financial Instability : With my Navy Federal accounts closed, I lost access to my funds, direct deposits, and bill payments. It was as if my financial world had come to a standstill, leaving me scrambling to make ends meet. 
2. Credit Score Impact : The sudden account closure raised concerns about my credit score. What if this incident negatively impacted my creditworthiness, affecting my ability to secure loans or credit in the future?

3. Loss of Trust : My faith in the banking system was shattered. How could a trusted institution like Navy Federal close my account without warning or explanation? The lack of transparency eroded my confidence in the very institutions meant to safeguard my financial well-being.

4. Emotional Toll : The stress and XXXX  caused by this ordeal were immense. Sleepless nights, endless phone calls, and the feeling of being caught in a bureaucratic maze took a severe toll on my mental health. 
Despite these challenges, I refused to give up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit report have charged-off accounts reporting a balance and no 1099-C was not issued by these creditors, which is a violation of IRS regulations and FCRA laws.

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 2025-02-23 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: AZ

Complaint narrative:
My credit report have charged-off accounts reporting a balance and no 1099-C was not issued by these creditors, which is a violation of IRS regulations and FCRA laws.

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 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The Company XXXX XXXX on XX/XX/year>, I received multiple calls even after asking them to stop calling me 6 times a day demanding me to pay them off in full. 
They made calls saying they would come to my home. work place and have me arrest and served with legal court documents. I have XXXX. 
I could not any longer stand on concrete inside the # XXXX store and was wrongfully XXXX without any resource. 

it's illegal to harass customers with XXXX calls daily. Please Completely stop harassing me as I can NOT pay you {$600.00} I do not have. Let Me XXXX in PEACE & please stop treating me. I do not own ANYTHING & I am Homeless. 
I will DIED real Soon. You can't get something from a XXXX dead Person your company terminated and made it impossible so make payments. 
I am a XXXX XXXX, who your company used for your own Fame, once I became useless to your company you terminated me without any remote concerning my health.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$380.00} Account Name : XXXX XXXX XXXX DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -BALANCE {$1800.00} Account Name : XXXX # XXXX -BALANCE {$1800.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1400.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$9500.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$8400.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$740.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called XXXX XXXX and spoke to a representative at a call center. I explained my issue regarding my acct. I asked if they could consider removing a late payment from my acct. I have had my acct for 7 yrs and have only 1 late payment. I was in the middle of moving out of state at the time and I missed my due date. Once I realized I missed the due date I immediately contacted XXXX XXXX and brought my acct current. I set my acct on auto pay to insure i wouldn't have any problems in the future. I have not missed a payment since. This was a one time incident otherwise I have a perfect payment history. Unfortunately, regardless of my overwhelmingly perfect payment history none of that seems to matter because my credit score is is overshadowed by this 1 neg mark. Hurting my credit score and affecting me getting approved for housing. I've contacted and disputed it with all the credit bureaus and the credit card company. I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I called XXXXXX/XX/XXXX and spoke to a representative at a call center. I explained my issue regarding my acct. I asked if they could consider removing a late payment from my acct. I have had my acct for 7 yrs and have only 1 late payment. I was in the middle of moving out of state at the time and I missed my due date. Once I realized I missed the due date I immediately contacted XXXXXX/XX/XXXX and brought my acct current. I set my acct on auto pay to insure i wouldn't have any problems in the future. I have not missed a payment since. This was a one time incident otherwise I have a perfect payment history. Unfortunately, regardless of my overwhelmingly perfect payment history none of that seems to matter because my credit score is is overshadowed by this 1 neg mark. Hurting my credit score and affecting me getting approved for housing. I've contacted and disputed it with all the credit bureaus and the credit card company. I don't know what else to do

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for attempting to collect a debt that I do not owe. The original creditor, XXXX XXXX, has already confirmed in writing that my balance is {$0.00} and that I was actually owed a refund of {$170.00} upon move-out. I have attached the official move-out statement from the property as proof to both my credit report and to them. 

Despite this, XXXX XXXX XXXX has placed a negative item on my credit report, falsely claiming that I owe a balance. This is inaccurate and unfairly damaging my credit.

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 2025-02-24 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief