vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Original Creditor ( XXXX XXXX  Balance- {$5600.00} ) debt was charged off in XX/XX/2024. I'm filing a complaint for a dispute of harassment and threats of payments and am requesting : 1 ). A Full Detailed list of payment history for account.

2 ). The Original Signed Contract I agreed to the contract for the creditor 3 ). The Insurance Claim filed on this debt.

4 ). The Chain of Title you have to collect this debt. 

According to 15 U.S.C 1692g Debt Collectors must send a written validation notice to consumers within five days of their first contact about debt collection. 

According to 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications. 

I was threatened, forced, harassed, stalked excessively by all communications for income garnished, house being taken, lawyers, lawsuits, excessive fees, if I didnt arrange a payment by XX/XX/2024. 

I am requesting Original Signed Contract, Debt Validation, Insurance Claims, and Chain of Title to collect debt documents with 3rd Party Collection Agency ( Weltman , Weinberg & Reis Co., LPA Debt Collector ) for a charged off debt from Original Creditor ( XXXX XXXX  ). The debt ( {$5600.00} ) owed to XXXX XXXX  was charged off XX/XX/2024. I should have never been coerced to repay another agency for the debt written off, requesting insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: AZ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Charge off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} Charge off XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$11000.00} Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} -Late/closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Open

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : Equifax and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports. 
Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An old account was suppose to be deleted from my credit report on Experian in XX/XX/2025 and it was deleted. I have disputed the account through their portal and via mailing letters and then they just send me an email stating its not me disputing the account and nothing is ever done. They provide a number to call and its impossible to get a live agent. The AI theyre using has very limited functions and doesn't allow you to be transferred to a live person. It waste time and there is not real solution.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
XX/XX/2021 - Alerted by Advance America that a {$1200.00} loan was taken out in my name. Says XX/XX/2021. Loan number : XXXX- XXXX, XXXX  - XXXX is the person at the store. 
- Corporate : XXXX The person was prosecuted for information theft by the XXXX Police Department. 
Now, XXXX XXXX XXXX is trying to collect from me, the party that had my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I noticed that an account from XXXX XXXX XXXX ( XXXX ), which was previously deleted from my credit report after being disputed as fraudulent, was reinserted by TransUnion. This account was originally removed because it was determined to have been opened fraudulently, as reflected in the dispute results I received. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to notify me within XXXX business days of any reinsertion of previously deleted information. The law requires this notification to be provided either physically ( in writing ) or electronically if I have agreed to receive electronic communications. This notification must include : XXXX. A statement confirming that the disputed information was reinserted. 
XXXX. The name, address, and phone number of the furnisher of the information. 
XXXX. A notice of my right to add a statement disputing the accuracy or completeness of the information. 

I did not receive any such notification in writing or electronically within the required timeframe. I have not agreed to receive electronic notifications, so I should have received this notification physically by mail. The failure to notify me of this reinsertion violates my rights under the FCRA. 

Furthermore, the reinsertion of this account suggests that TransUnion failed to adequately verify the validity of the account before allowing it to reappear on my credit report. I am formally requesting physical proof that TransUnion complied with the FCRA notification requirements within XXXX business days of reinserting this account. Specifically, I am requesting : XXXX. A copy of the notification sent to me, including the date it was sent. 
XXXX. Evidence of the name, address, and phone number of the furnisher of the information provided in that notification. 
XXXX. Documentation showing that the reinsertion was based on valid and verified information. 

If TransUnion can not provide this proof or if the reinsertion was not handled in compliance with the law, I am seeking the immediate removal of this account from my credit report. If this matter is not resolved promptly, I will explore further legal options, including seeking damages for non-compliance with the FCRA.

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 2025-01-02 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: CA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-02 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: Experian Information Solutions Inc.
State: CA

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
I had an issue with XXXX XXXX XXXX and they closed my account that had my Zelle attached to it - I tried to retie my Zelle account to my new bank account and they locked my entire account and now I can't use Zelle at XXXX XXXX resulting in a {$30.00} wire fee every time I need to send someone money. I also can't get paid via Zelle as a result. No solid reason why my account doesn't work, no fraud. Just kneecapped from using the app because the account is attached to my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-02 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-02 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hello, I have opened a dispute against a vendor XXXX XXXX ( XXXXXXXX XXXX XXXX ) for varios transactions because this XXXX started a project, did some work and abandoned the project and ran away with all the money. 

Provided legal documents and legal decisions against the vendor that was taken by Arizona XXXX XXXX ( AZ XXXX ) - Arizona XXXX XXXX XXXX. They confirmed and made a decision in my favor that contractor has abandoned the project. Contractor didn't show up for meetings with the investigator or responded to AZ XXXX 's decisions either. 

It was a pretty straight forward case, if the state agency concluded the case in my favor and citibank didn't receive any communication from the Merchant ( as they said ) then it should have been in my favor. 

Also, last week, on XX/XX/XXXX, when I called the Citi Dispute department, they also told me they are just waiting for the merchant to respond and if they don't respond then you will have the permanent credit applied to your account. 

and today XX/XX/XXXX, they just sent a notice that dispute is over XXXX  months old so are closing your dispute and you're responsible for these transactions. They have given conflicting information throughout this dispute and have been unresponsive most of the times. 

I didn't get a single call from the dispute department. I had to chase them down what they need and sent them all documents that include XXXX decision directives from AZ XXXX XXXX as well. All these credit cards companies have XXXX liability policy, it looks like they are just trying to get away from it because merchant is not responding and he probably closed his account. 

I have attached the AZ XXXX Complaint Summary, all XXXX directives taken by AZ XXXX, personal summary and a quote from a third party pool company to fix everything and build the pool. 

All these documents were sent to Citi Bank as well as proof.

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 2025-01-02 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: WA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief