vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed inaccurate and unverifiable derogatory information on my credit report with [ Experian/Equifax/TransUnion ] , following my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The credit bureau has failed to provide verification of the accounts, including a bona fide contract with my signature, proving my legal obligation to these debts. Under FCRA 15 U.S.C. 1681i, if an item can not be verified within 30 days, it must be deleted immediately. I requested this verification on XX/XX/year>, and Equifax, Experian and Transunion has failed to comply. Additionally, under Uniform Commercial Code ( UCC ) 3-603, if a debt has been transferred, sold, or charged off, it has been satisfied, and continued reporting is unlawful and misleading.These debts have not been verified. I can not access my reports at this time to provide all incorrect information. I am requesting the CFPB to take action and ensure [ Experian/Equifax/TransUnion ] removes the inaccurate, unverifiable, or obsolete negative items from my credit report immediately. 

I am no associated with the name XXXX XXXX. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is fraudulent. Remove immediately all addresses except my current address.

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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
I was not officially " served '' whoever left the paperwork left it on my front porch stapled with all of my personal information out in the open for anyone to see. It was not put in an envelope and no one ever actually knocked on my door or served me with the paperwork. This was for a discover card from 2023. I had also previously attempted to set up a payment plan with them a year ago for {$100.00} per month because that is what I could afford ( 2x I had tried to set up the payment plan ) and they refused. I had XXXX XXXX along with being XXXX  as a tXXXXXXXX, a couple of years ago which led to my economic hardship. The reason I did not follow-up with them until I was unofficially " served '' was because they would not accept my payments. They are now I believe trying to sue me just so they can get a judgment and get extra money out of me, which I don't have because I'm living paycheck to paycheck and have no assets. I also went online this evening and paid more than what was owed for the recent payment plan I did set up with them ( I set up a payment plan and they still haven't dropped the case ) and as soon as I made my payment online my access to my online account to make payments was restricted. I then tried to call the toll free number because I decided I wanted to pay even more to try to get as much of this paid off as I can, quickly ( despite it making things super tight for me this month ) but I was unable to reach anyone over the phone or make a phone payment. I believe these are all tactics to make it difficult for me to pay so they can bring a judgment against me and significantly increase the amount of money they will get.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXXXXXX 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 2025-03-13 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXXXXXX Bank DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I sent {$200.00} to my mother, who lives in rural XXXX, using Remitly, a money transfer service Ive used before. They assured me the funds would be available within XXXX business days. However, after almost a week with no delivery, I contacted Remitly to request a refund so I could send the money through another company. Following the call, I received an email acknowledging my concerns, refunding the transfer fee, and stating they would return the funds. On XX/XX/XXXX, I got an email saying the money had been delivered. I called my mom to confirm, but the money hadnt arrived. 

After calling Remitly XXXX times to inquire about the whereabouts of my money and receiving conflicting responses each time, I gave up on recovering the funds and decided to file a complaint with the CFPB. One time, they instructed me to contact their partner bank and eventually provided me with the banks email address, after previously refusing to share any details about the partner bank. However, when I reached out, the bank refused to disclose any information because I am considered an end user.

The last time I spoke with Remitly, they directed me to contact a different company, XXXX, which is a mobile phone service provider in XXXX that also handles mobile money transactions. I asked my cousin, who lives with my mother, to visit XXXX with her to inquire about the money. However, they also claimed they had no information and didnt know where the funds had gone. 

Now XXXX weeks had passed since I sent that money and dont know where it had went and remitly would not take responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MO

Complaint narrative:
According to XXXXXXXX XXXX XXXXXXXX XXXX  XXXX is supposed to insure Maximum Possible Accuracy. This account violates these laws. 15 USC 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I filed a fraud dispute for multiple transactions on my debit card. They placed a hold on the account and opened a new one for me. Said I would receive provisional credit in XXXX days since it was debit card. It is now Wednesday of the next week its been 6 days still no fund. I told them my XXXX XXXX old baby XXXX XXXX  and my electric is shut off I need to expedite these credits and no one at US Bank could help me so I sit her scrounging for XXXX for my baby with no electric or gas.

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accounts referenced below, which have been incorrectly reported to your organization. I demand immediate investigation and resolution of these matters as they are not accurate, and failure to resolve this will leave me with no other choice but to take further action, including but not limited to filing complaints with regulatory authorities and exploring legal options. 

Account Details : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/year> Amount : {$34000.00} XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/year> Amount : {$6000.00} I expect a full investigation into each of these accounts and the inaccuracies that have been reported. The lack of prompt action on your part will result in legal steps being taken. If any of these accounts are found to be in error, I demand that they be corrected immediately and that any negative marks against my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I am writing to formally dispute an unauthorized and fraudulent account that appears on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following account on my credit report that I did not authorize or provide written consent for and have no knowledge of : Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX Inquiries : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-13 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: AR

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked inaccurate ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: VA

Complaint narrative:
Dispute of Information in Credit Report Civil Liability for Negligence and Non-Compliance ( FCRA Section 1681 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding the repossession of my vehicle by XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, GA XXXX, United States, which I believe was conducted illegally. My car was taken by XXXX XXXX XXXX while I was at work, and I had no prior knowledge that this was happening. I only found out because a coworker saw the repo company inside my car. 

Before my car was taken, the tow truck driver was snaking down each row in the parking lot, scanning car tags, seemingly searching for vehicles to repossess. This raises concerns about whether my vehicle was specifically authorized for repossession or if it was wrongfully taken in a random sweep. 

After realizing my vehicle was gone, I was forced to walk home, which caused significant inconvenience and hardship. When I confronted the repossession agent and asked for proof of documentation authorizing the repossession, he simply stated that he was just doing his job and did not provide any proof that the repossession was authorized. 

Upon contacting the lender, I was informed that no repossession order had been issued at the time the vehicle was taken. This indicates that the repossession company acted without legal authority, which may constitute wrongful repossession or theft.

Additionally, I was not provided with any notice or documentation at the time of repossession, nor was I given the opportunity to verify the legality of the action before my vehicle was taken. 

Furthermore, I discovered that XXXXXXXX XXXX XXXX is not accredited by the XXXX XXXX XXXX ( XXXX ), which raises concerns about their business practices and handling of repossessions. 

I have filed a complaint with the Georgia Attorney Generals Office regarding this matter. 

I am requesting that the CFPB investigate this incident and take action against the responsible parties. I also seek assistance in recovering my vehicle or resolving any financial damages caused by this wrongful repossession. 

I appreciate your attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I am writing to request further review and assistance regarding my ongoing dispute with Citi, documented under CFPB XXXX # XXXX. Despite my efforts to resolve the matter directly with Citi and the merchant, a fair resolution has not been achieved. 

The dispute involves a charge of {$1000.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Citi issued a partial credit of {$340.00} on XX/XX/XXXX, leaving a remaining balance of {$700.00}, which I continue to dispute. 

Key Issues : XXXX. Failure to Act on Reopen Request : I formally requested Citi to reopen the dispute on XX/XX/XXXX, due to the merchants unfair handling of the return. While Citi confirmed that a request was sent to the merchant, the dispute has remained pending without resolution since then. 
2. Lack of Full Refund for a Defective Product : The item purchased was defective, and the merchant charged a 20 % restocking fee that was not disclosed prior to purchase. Despite providing documentation, Citi has refused to issue a full refund or take further action.

3. Merchants Refusal to Negotiate : Efforts to resolve the matter directly with the merchant have been unsuccessful, as they have refused to negotiate or provide a full refund.

4. Citis Failure to Protect Consumer Rights : Citi has denied my request to reopen the dispute for the remaining {$700.00}, citing the merchants refusal to issue further credits. I believe Citi has not thoroughly protected my consumer rights under Regulation Z of the Fair Credit Billing Act ( FCBA ), which allows disputes for defective products or services not delivered as promised.

Arizona Consumer Protection : Under the Arizona Consumer Fraud Act ( ACFA ), consumers are protected against deceptive practices in the sale of merchandise. The act prohibits misrepresentations and concealment of material information in connection with the sale of merchandise. The merchants failure to disclose the restocking fee and refusal to provide a full refund for a defective product may constitute violations of the ACFA.

Financial Hardship : As a single mother struggling to make ends meet, the burden of paying an additional {$700.00} for a product I no longer have is extremely heavy. This unresolved charge has caused significant financial strain, and I am requesting urgent assistance to resolve the matter fairly.

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 2025-03-13 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: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX {$5200.00}

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts 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 non-monetary relief