vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the alleged debt you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I do not acknowledge this debt, and I request that you provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original signed agreement or contract, if applicable ; 4. Proof that you are legally authorized to collect this debt in my state ; 5. The complete accounting history showing how the debt amount was calculated ; 6. Verification that this debt is within the statute of limitations for collection in my state. 

While this debt is in dispute and until you provide proper validation, you are required to cease all collection activities, including reporting to credit bureaus. 

Please be advised that any failure to comply with this request or continued collection efforts without proper validation may be a violation of federal law and subject to legal action. 

Thank you for your attention to this matter. Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
Issue : Late payments and Unverifiable information for the following XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payements XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I request that this account be investigated, and if the information can not be verified, that it be promptly removed from my credit file, as required by the FCRA. Please complete your reinvestigation within the XXXXday timeframe and notify me in writing of the results, along with an updated copy of my credit report. 

Enclosed are copies of documents supporting my claim. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally address and dispute multiple unauthorized accounts and inquiries that appear on my credit report from Equifax, Transunion, and Experian. 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!. The addresses and names for each credit bureau should match and they dont!

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I got a gift card with {$100.00} on it, it was processed at a XXXX in XXXX, CO  on XX/XX/year>. This card was a gift from an employer. I have since tried to use it on several platforms and it does not work. I spoke to someone from the number listed on the card and they pretty much told me to just use it in a store, that there is not way around it. I have the card and I have proof there is funds as well as it showing the card is active, yet it will not work ANYWHERE. I just want the funds to use. 
I tried to use it on XXXX, XXXX, XXXX XXXX, and there is not real reason why it shows it keeps getting declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.Accounts in Question XXXX XXXX BALANCE {$840.00} XXXX XXXX XXXX BALANCE {$2500.00} XXXX XXXX BALANCE {$200.00} XXXX XXXX XXXX BALANCE {$670.00} XXXX XXXX XXXX XXXX BALANCE {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

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 explanation
Consumer complaint received 2025-04-28 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

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 2025-04-28 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: NC

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 2025-04-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This is a debt collector from an apartment I stayed at they tried overcharging me I asked to negotiate they were willing I explained I just started a job I asked them please give me some time after a week later they started calling me back to back after asked to stop calling me I already communicated with some one and explained already my situation then started harrassing me I told them stop calling me they wouldnt stop I told them its a law that says a debt collector has to stop calling me if I request that they would not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Experian Account Number : XXXX Balance : {$6600.00} On XX/XX/XXXX, I disputed a collection on my account with Experian citing the following : 1 ) This alleged debt, reported by a third-party collection agency, has not been validated. On XX/XX/XXXX, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), by submitting a certified written request for debt validation. The collection agency received the request, as confirmed by the attached XXXX certified mail receipt, yet they have failed to respond or provide any form of verification. Per federal law, the agency must cease all collection activities, including credit reporting, until the requested validation is provided. Continuing to report this debt in the absence of validation is a direct violation of the FDCPA.

2 ) This reporting violates multiple sections of the FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A consumer reporting agency must conduct a reasonable reinvestigation when a dispute is submitted.

- 1681i ( a ) ( 2 ) ( A ) : The bureau must promptly notify the furnisher of the dispute.

- 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be deleted.

- 1681i ( a ) ( 6 ) ( B ) ( iii ) : The consumer must be notified of the results and provided an updated copy of their credit report. 

Experian closed the dispute stating that the collection is valid when I still HAVE NOT received validation from the collection agency. I do not believe Experian even read any of my evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

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 account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-28 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: CA

Complaint narrative:
Transunion and Equifax have disregarded federal law by continuing to allow non validated debts to be placed in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
i've recently notice some hard inquiries on my credit profile that i did not authorized nor consent i was assuming fraud or some invalid changes to my account. 
i made an attempt to dispute these inquiries and was later updated with no changes to my account so i guess the unauthorized dispute stands. i later in the month decided to give Transunion a call i was the constructed to file an police report or contact the agencies of the hard inquiries to request an removal of the unauthorized inquiries of which i did. 
and found out that none of the creditors has my information on file or couldn't verify that i applied for credit or has any information containing to me the indivisual. 
i called back transunion to give the feedback of what i was told by the creditors. 
transunion has failed to provide me with an factual report and has failed to remove the inquiries from report after providing them with documents which should of deleted the hard inquiries. transunion inquries listed below Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an checking account at BMO on the night of XXXXXXXX XXXX  {$7500.00} direct deposit for {$500.00} bonus offer was what I saw at BMOs website and got prompted to click the application button and apply at BMOs website. BMO is now saying the promo term has now changed to {$600.00} for XXXX XXXX  direct deposit within XXXX from account opening which is different from what I signed up for. If what they're saying is that the term what a customer saw and applied for an account at your website has now changed to something different, that would be a material misleading of your promo material at your website as they failed to honor the original offer terms that customer has received and applied the account for. BMO owns the promo terms posted at their website, if something is no longer valid, they should have updated it.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/year>, I noticed that my business checking account ending XXXX was charged XXXX dollars. 

I called bank of America and they told me that the account charged to offset credit card debt. I asked them what credit card are they referring to and the agent told me that it is about credit card ending XXXX. 

The bank agent told me that the bank has a legal right to do so, but I explained to him that the credit card is related to XXXX XXXX XXXX XXXX a business that has a federal tax ID number ending by XXXX and that I am a guarantor for the debt, but also I mentioned to him and bring to his attention that the bank took the money from another business that has a different federal tax ID ending by XXXX and this business does not have anything to do with the credit card debt or the business credit card at all. 

I explained to the agent that the bank used the fund that is belong to a separate entity that does not have anything to do with the credit card debt, but still he said that he can do legally so without any problem or consequences. 

The business credit card that I am talking about is related to the business that has tax federal Id XXXX and I am personally the guarantor. the Bank used a business account related to different entity that has tax federal Id ending XXXX to take the money to offset the credit card debt. 

The bank has no right to take money of another business to pay the credit card debt of another business that they are not related except that I am a part of it. 

Bank of America has to put the money back to the bank account and as I explained to the agent I am willing to engage in a payment plan to pay off my credit card.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
I am writing to formally dispute several unauthorized inquiries on my credit report. I am very concerned because I found some inquiries that I did not authorize. 

The inquiries in question are as follows : EXPERIAN XXXXXX/XX/XXXX Inquiry XXXX XXXX, XXXX EXPERIAN XXXX XX/XX/XXXXInquiry XXXX XXXX, XXXX EXPERIAN XXXX XX/XX/XXXXInquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX Inquiry dateMar XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: DC

Complaint narrative:
The XXXXXXXX XXXX card account from XXXXXXXX XXXX is closed, paid in full and has a XXXX balance. See attached the letter from XXXXXXXX XXXX. Please correct and update the account balance and status 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 explanation