vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXXXX/XX/XXXXEmail : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX FINAL DEMAND PERMANENT REMOVAL OF UNVERIFIED CHARGE-OFF ACCOUNTS FCRA 1681b, 609 ( a ) ( 1 ), UCC 3-501, Data Breach Settlement Reference To Whom It May Concern, This letter is a formal, final demand for the immediate removal of the accounts listed below from my Equifax credit profile. These charge-off accounts are being reported in violation of federal law, are not verified with original documentation, and may be tied to compromised consumer information exposed during the Equifax data breach, for which Equifax is now legally accountable. 

ACCOUNTS TO DELETE : XX/XX/XXXXXXXX Acct # XXXX Charge-off {$2900.00} XXXX XX/XX/XXXXAcct # XXXX Charge-off {$0.00} LEGAL VIOLATIONS INVOLVED : FCRA 1681b No permissible purpose to report these accounts FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of reported information FCRA 609 ( a ) ( 1 ) Failure to produce original signed contract or validation of debt FCRA 611 ( a ) ( 5 ) ( B ) Reinserted items must be certified and notice must be provided UCC 3-501 Presentment of original instrument bearing my wet-ink signature is legally required UCC 1-308 I reserve all rights without prejudice Equifax Data Breach Accountability Compromised data tied to prior security failure may have been used to unlawfully report or re-verify inaccurate items You are reporting charge-off accounts without full legal validation or original source documentation. Under federal law, and in light of the XXXX Equifax data breach, no item that was or may have been derived from that breach can remain on file without certified validation and consumer consent. 

DEMAND FOR ACTION : You are hereby required to : Permanently DELETE the accounts listed above from my Equifax credit profile Provide written verification, including original signed contracts, proof of assignment, and complete validation Respond in writing within 15 calendar days of receipt of this letter FAILURE TO COMPLY WILL RESULT IN : Immediate complaints filed with the CFPB, FTC, and Florida Attorney General Civil action for FCRA violations under 616 & 617 Legal claims for negligence, defamation, identity compromise, and emotional distress Demands for full discovery of breach-related files under the Equifax settlement terms This is your final legal warning. I expect full compliance and deletion under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I initiated a domestic wire transfer from my Citibank business account on XX/XX/year>, for {$28000.00} as part of a time-sensitive escrow transaction to purchase a U.S. Coast Guard documented vessel. The wire reference number is XXXX. Shortly after submitting the wire, Citibank placed a hold on the transaction for internal compliance review and opened case number XXXX XXXX. 

On XX/XX/XXXX, I provided all requested documentation, including the vessels XXXX documentation certificate, hull identification number, and flag country. Despite submitting everything requested, the wire remains on hold with no resolution. On XX/XX/XXXX, I escalated the matter through Citibanks Executive Response Unit and was informed by a representative named XXXX that the case was assigned to a banker, but the review may take up to 15 business days. This delay threatens the success of a critical escrow transaction. 

I have called multiple times, spoken with supervisors in the wire department, and requested status updates, the assigned bankers contact information, and an expected release timeline. To date, I have not received clear answers, the funds have not been released, and the transaction remains blocked without justification. I am seeking immediate release of the wire or the full return of funds so I can meet my obligation via alternate payment. 

My business name is : XXXX XXXX XXXX. a Florida base 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 monetary relief
Consumer complaint received 2025-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year>, I booked flights through Capital One Travel using my XXXXXXXX XXXX  card. I used my {$300.00} travel credit, XXXX miles, and paid {$240.00} out of pocket. One leg of my itinerary XXXX XXXX XXXX ) was missing from my accountthis issue was previously escalated and temporarily fixed. 

Now, that same flight is missing again, and the other leg ( XXXX XXXX ) was changed without my consent. Capital One rebooked me on XXXX, but the updated flight still doesnt appear in my Capital One Travel account. I was told I had 24 hours to accept or decline the change, but the app provides no way to do so. 

I have no access to a full or accurate itinerary. This is the second time these issues have occurred, and Capital One has failed to deliver the service I paid for. I am requesting a full refund of the entire booking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery associations wrongfully collected on a debt without verifying information from me on said debt, never disclosed any information pertaining to a debt before collecting on said debt, seized funds from my bank account by sending legal action to them without my knowledge of any legal actions taken against me before submitting to my bank and taking {$1300.00} from my account. When trying to contact them about the issue they all of the sudden want my information to be validated but never validated said information prior to taking money from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-09 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment to be updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Update the late payments from my consumer reports

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 2025-05-09 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, Transunion and Experian.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are questionable. I sent letters over 30 days ago requesting validation of these entries, but have received no response, and no satisfactory validation has been provided. This ongoing silence is concerning as these entries continue to impact my credit standing negatively.

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 2025-05-09 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
this lender is reporting inaccurate information, very different from XXXX XXXX XXXX, i need this account deleted from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In 2023 XXXX sent my information to XXXX credit company illegally. I was told per email I do not owe any debt to XXXX credit company per XXXX XXXX  stated through email all debt owed would be removed from my credit report. And all debt owed was no longer owed, so as of XXXX XXXX I do not owe XXXX XXXX XXXX XXXX {$7800.00}. 
In accordance with the fair credit reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any infromation disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agent shall ( I ) promptly delete that item of the information from the file of the consumer or modify that item of the information, as appropriate, based on the reinvestigation and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. Delete account XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year>

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 2025-05-09 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: GA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$6200.00} XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield and Associates continues to report this debt as valid, even though the debt was paid in full XXXX, with the original creditor, as agreed with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am submitting a formal complaint against XXXX Bank, XXXX, issuer of the XXXX XXXX XXXX, for inaccurately reporting a secured credit card as a charge-off. The account was opened in XX/XX/XXXX with a {$300.00} secured limit and no history of credit misuse. However, in XX/XX/XXXX, the account was reported as charged off with a {$160.00} balance, and it continues to show as past due as of XX/XX/XXXX. 

As a secured card, the account was backed by a deposit meaning any default should have been covered by that deposit unless unauthorized fees or improper accounting occurred. I requested validation of the debt, itemization of any unpaid charges, and confirmation of the accounts closure or delinquency date. To date, I have received no explanation or documentation justifying the charge-off status. 

This reporting appears to violate the Fair Credit Reporting Act ( FCRA ), specifically : 605 ( c ) prohibiting re-aging or extended reporting of delinquency 607 ( b ) requiring accuracy in furnishing 1681s-2 ( b ) mandating correction or deletion after dispute This misreporting is harming my credit profile and undermining my efforts to build financial stability using secured credit products.

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