vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested that Equifax investigate a negative mark on my credit report. Equifax has not investigated this matter, and violated my rights under the FCRA by failing to initiate an investigation into the matter. They are allowing a known scammer and rogue debt collector to damage my credit report. XXXX XXXX XXXX, XXXX should not be allowed to credit report, especially a disputed debt like the one on my credit report. XXXX XXXX XXXX, XXXX has had several civil penalties imposed by various state attorney generals, has been ordered to cease and desist collection activities in several states, and XXXX 's continued reporting of this disputed information on my credit report makes it complicit and subject to liability for knowingly and willfully allowing this type of entity, with this type of track record, report invalid information on my credit report. Based on the facts, XXXX XXXX XXXX track record of enforcement action taken against it, and there willingness to continually break the law, I hereby demand that XXXX block this information from my credit report, and/or fully delete this from my credit report. I am attaching an order to cease and desist from the Idaho Department of Finance dated XX/XX/XXXX, a Consent order from the state of Connecticut dated XX/XX/XXXX that bans XXXX 's from collecting debts, and the Temporary restraining order from the state of Connecticut 's banking commissioner dated XX/XX/XXXX to evidence the multiple violations known by this company. This should evidence that we are dealing with a debt collector that operates at the absolute lowest level of compliance, and allowing them to continue to credit report after having knowledge, and evidence, of there wrongdoings will make XXXX liable damages in the event litigation is brought against the offending parties. Please let it be known that XXXX XXXX XXXX Is attempting to collect a debt on a disputed Brinks debt that was canceled appropriately per California State Law, that govern how renewing alarm contracts work. There is no valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
What the XXXX is this? I just found out inquiries pulled from my credit without my permission, and I am furious. I never authorized thisnot in writing, not over the phone, never. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries require explicit consent. Since I never gave it, this is illegal. Fix it. Now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly informed Experian of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I placed an order with XXXX XXXX from my checking account. The order # XXXX and I have sent several emails to the company and no response at all. I was willing to get a replacement but I want a full refund. The transaction was on XXXX XXXX XXXX  in the amount of {$48.00}

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 monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-02 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: GA

Complaint narrative:
Im reaching out regarding an issue with incorrect information on my credit report. After reviewing the details, I noticed a discrepancy that needs to be corrected immediately. This information is not only inaccurate, but its also affecting my credit score and overall financial standing.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX Reports as Open and Current but shows XXXX late payments within less than 12 months of activity If current, lates must be verified and reported correctly otherwise this is inconsistent and harmful Violations : 1681e ( b ) : Misleading status on active account 1681s-2 ( b ) : Failure to provide verification of lates upon dispute XXXX XXXXXXXX Account shows charge-off, XXXX balance, and note that it was purchased by another lender Account should be removed if sold and unverified you can not charge-off and sell the same debt without validation Violations : 1681e ( b ) : Reporting inaccurate account status 1681s-2 ( b ) : Continued reporting without verification from original creditor 1681c ( a ) ( 4 ) : Potential outdated reporting last payment in XX/XX/XXXX XXXX XXXX Account shows closed and charged-off, but with multiple duplicates and conflicting statuses Also marked purchased by another lender yet still showing as active derogatory Violations : 1681e ( b ) : Duplicate and conflicting data 1681i : Failure to correct upon previous dispute 1681s-2 ( b ) : Continued derogatory status with no validation 1681c ( a ) ( XXXX ) : Outdated derogatory ( last payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance, charge-off, and sale notation This appears to be a duplicate of XXXX, violating max accuracy standards Violations : 1681e ( b ) : Duplicate tradeline 1681i ( a ) : Failure to remove after prior dispute 1681c ( a ) : Potential outdated tradeline based on last activity ( XX/XX/XXXX ) FCRA Action Demanded : Under FCRA 611, I am requesting that you : 1. Conduct a full reinvestigation of the accounts listed above 2. Provide written documentation from the original creditors verifying the data 3. Remove or correct any accounts that can not be verified or are outdated 4. Provide a written response and updated credit report within 30 days

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 2025-04-02 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-02 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: UT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-04-02 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: UT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
I enrolled in the National Debt Relief program in XX/XX/XXXX. Since that time I have been paying from {$260000.00} biweekly and XXXX appears to have simply taken my money and failed to negotiate amount for a period of 1 1/2 year. This entire time I wasnt exact consistent but they appear to be not paying my creditors and charging me exponential fees for services that have not been provided. I dont know what to do. I cant remove myself from the program because I need to legal protection. National debt reliefs strategy is to have the debtor cease payments with all creditors until eventually they decide to sue and that is when they negotiate. They therefore have trapped me into the program because I need the legal protection but Im still being charged fees and amounts that appear to be going no where. The transactions and bank statements they supposedly provide do not specify what the fees exactly what these fees are and where they are going. For example. I paid {$300.00} to one creditor, I owed {$1500.00}. The remaining fees and balance was {$710.00} according to their website as of XXXX of XXXX. They recently sent me an email saying they settled the account for {$1100.00}, this does not include what I already paid and includes additional fees for no reason. This business appears to be very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Summary of Complaint : I, XXXX XXXX, am writing to file a formal complaint against XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, XXXX, Kentucky XXXX, and the associated collection efforts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding a security deposit dispute. 

In XX/XX/year>, I moved out of my apartment and took all necessary actions to ensure the apartment was left in good condition. I returned the keys, thoroughly cleaned the apartment, and documented the state of the unit by taking photographs. At no time was there any damage beyond normal wear and tear or items left behind. 

Per Kentucky law ( KRS 383.580 ( 6 ) ), the landlord is required to provide a written itemized list of any deductions from the security deposit within 30 days of the tenant 's move-out. The deadline for this notice passed on XX/XX/year>, but I have not received any communication from XXXX XXXX XXXX regarding deductions or the withholding of my deposit. Therefore, I am entitled to the full refund of my deposit, as no valid itemized list was provided within the legal timeframe. 

Additionally, Kentucky law ( KRS 383.580 ( 3 ) ) requires landlords to provide receipts and documentation for any repairs or damages for which they intend to withhold money from the deposit. Since no such documentation was provided, any claim for damages is legally unenforceable. 

Despite this, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has attempted to collect a debt from me related to this issue, even though I do not owe anything. This collection agency was never authorized by me to handle this alleged debt, and I believe their involvement is a violation of my rights under KRS 371.050, which prohibits the sale or assignment of a debt without the tenants consent. 

I also believe that Field Stone Apartments has violated my rights by assigning this alleged debt to XXXX XXXX of XXXX XXXX XXXX without proper documentation or legal justification. 

I request that the CFPB investigate this matter and help me resolve the dispute, ensuring that my rights are protected, and this issue is appropriately addressed. 

Thank you for your attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a letter charging me a XXXX credit debt charged by the company Jefferson. I contacted XXXX and they said they couldn't find any debt in my name. What should I do? Should I seek my rights in court?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Issue started maybe Wednesday ( XX/XX/XXXX ) night, but definitely Thursday ( XX/XX/XXXX ) morning. 

Called Friday ( XX/XX/XXXX ) morning and documented the issue with IT. 
On the Ally mobile app, the Ally website, and the Ally mobile website, both me and my husband- can't deposit checks - can't transfer between accounts - can't see balances - can't see transaction details This impacts all 5 checking accounts and 10 savings accounts ( some of which are just in my name, and some of which are jointly owned by my husband ). Our debit cards all still work, but we are hesitant to use them without knowing what our balances are. 
The IT guy said it was a weird error, and he couldn't access any of those things on his end either. 

Called again on Saturday ( XX/XX/XXXX ), and they said they still couldn't see any of my information on their end, either. I told customer service I needed to pay bills on the XXXX and they said they'd make a note. 

Called on Monday ( XX/XX/XXXX ), customer service said they were working on it with no ETA. 

Called on Tuesday ( XXXX ), made customer service transfer me to IT. IT said no ETA. I asked if I needed to just open an account at another bank, and IT agreed to escalate it. 

Called on Wednesday ( XXXX ), customer service transferred me to IT, IT said no ETA, but they would escalate it. They asked me to ask my utility companies to give them a few days to figure it out. 

It's now the seventh day, and I can't deposit my paycheck, transfer money to the account I need to to pay my XXXX bills, see my account balances, etc. The agents at Ally can't do these things for me either, because of the error.

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 2025-04-02 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX  regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-02 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:
Under the Fair Debt Collection Practices Act ( FDCPA ) in the U.S., when you request debt verification from a credit bureau or a debt collector, they must provide information proving the validity of the debt. CFPB Report XXXX Account name XXXX Account number XXXX Experian failed provide : Proof of the debt The name of the original creditor and the amount owed. Verification of ownership A breakdown of the debt, including fees and interest. Statement of consumer rights A notice that you have the right to dispute the debt. Original creditor 's information If different from the current collector, the name and address of the original creditor. Proof that they have the right to collect They must confirm they have the legal right to collect the debt.

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 2025-04-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation