vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NPG Associates, Inc.
State: CA

Complaint narrative:
NPG Associates XXXX XXXX again is contacting on behalf of XXXX XXXX XXXX  but i already filed for bankruptcy for all accounts i had under XXXX XXXX XXXX. so from my understanding nobody is allowed to call me or attempt to collect anything from me. i relayed this information to XXXX XXXX and he wanted to know details of when, what, who, and where. i stated to him he shouldnt be calling me he then proceeded to tell me that i would be facing bigger consequences XXXXXXXX as attorney fees, being sued, and garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV funding llc placed a wage execution on my wages through a false and unknown address not associated with me, this correspondence was never received therefore I couldnt respond to said wage execution the dame company on the same day sent correspondence to my correct address for another file with the proper address correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX, I opened a double cash credit card with Citibank. This card with a maximum limit of XXXX was closed by CITI on XX/XX/XXXX ( see attachment for proof ). I made a payment of XXXX to the card on XX/XX/XXXX and XXXX ( full balance ) on XX/XX/XXXX. Please see attachments for proof of closure, proof of payment of citi card by XXXXXXXX XXXX XXXX XXXX for Statement Period : XX/XX/XXXX to XX/XX/XXXX. 

I was not aware of the card closure until AFTER the payments were made in XXXX, and attempted to contact CITI in XXXX via email to ask them why they would close my accounts when they were fully paid off and why they were continuing to try to collect monthly payments from me when they were the ones who closed the account. They never responded. 

After this, CITI continued to charge my checking account for hundreds of dollars a month through the end of XXXX ( see screenshot of charges from XXXX ) despite full payment of the card in XX/XX/XXXX AND CITI CLOSING the card and account in XXXX of XXXX. Now, I'm receiving debt collection notices for $ XXXX. The total charges by CITI on my checking account after the card was fully paid amounts to {$2800.00}.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
I purchased a car and financed through Bridgecrest. XX/XX/year> I refinanced the loan through my bank. Neither I or the bank received the titles. Bridgcrest refused to send me tracking information for the title, also let me know its common for them to lose titles.legally they are required to have tracking on titles that are mailed. I have been unable to register my car costing me work and the ability to continue to pay my loan. I will be seeking legal action against them unless they provide me with a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I previously disputed a collection account reported by Credit Collection Services XXXX CCS ) with the credit bureaus, due to inaccurate reporting and failure to validate the debt. On XX/XX/year>, XXXX removed this account from my credit report after investigating the matter. 

Despite this, CCS has continued to act as if the debt is valid without ever providing documentation or proper validation. They never provided a signed agreement, account breakdown, or original creditor information when requested. This raises concern about reinsertion or improper reporting to other bureaus in the future. 

Their failure to validate the debt, combined with the removal by XXXX, supports my belief that this debt is either not mine or can not be legally collected. Any future attempts to reinsert this tradeline without full compliance with the FCRA would be unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
3 unauthorized Hard Inquiry without my permission was set on my Equifax acct.XXXX XXXX of XXXX Ive been in contact with banks in regards to this matter and no resolution was provided.Please help remove unauthorized hard inquiries off my Equifax acct.Thank You Hard Inquiry XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
I request to be provided with specifically the original application, contract, or note with my bearing signature. In addition any contract signed between DEBT COLLECTORS and the original creditors notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect the alleged debt. Failing that the items must be deleted from report as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-03 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: IL

Complaint narrative:
I request to be provided with specifically the original application, contract, or note with my bearing signature. In addition any contract signed between DEBT COLLECTORS and the original creditors notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect the alleged debt. Failing that the items must be deleted from report as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my account was hacked for over $ XXXX. I caught the last transfer of $ XXXX, I hurried to chase to stop the transfer, I received a document that it was canceled. It did not. I then went to XXXX police department, they requested my laptop, I gave it to them. What they found was sent to XXXX. In XX/XX/XXXX I received an email from XXXX that there were XXXX perpetrators caught. After the trials XXXX perpetrators pled guilty. At that time I went to Chase and visited with a bank manager, showed him that the guilty partys had been caught and pled guilty. 
In the beginning when I asked Chase to refund my funds, I have a letter from them stating i benefited and they wouldnt refund me. 
After the guy pled guilty I went into chase with my XXXX and showed him my the letter from XXXX, the manager was very rude and said to me so sue me. It was like a slap in the face. 
Is there any chance to get my funds back. I have all documentation I have a whole lot more documentations from XXXX that I didnt upload

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
Re : Dispute of Inaccurate Information in Credit Report Account : XXXX  ( # XXXX ) To Whom It May Concern : I am writing to dispute inaccurate information that appears on my credit report. I have reviewed my credit report and identified the following violations of the Fair Credit Reporting Act ( FCRA ) : 1. **Inconsistent Dispute Status Information ( violation of FCRA 611 ) ** : The Experian report shows " Account not disputed '' while the Equifax report shows " Account disputed '' with " Consumer disputes- reinvestigation in progress. '' These contradictory statuses indicate a failure to properly process and notate my dispute across all credit bureaus. 

2. **Inconsistent Delinquency Reporting ( violation of FCRA 623 ( a ) ( 5 ) ) ** : Experian reports my account as " Late 30 Days '' while Equifax reports it as " Late 120 Days. '' This significant discrepancy in delinquency status violates the requirement for accurate reporting of the delinquency status of accounts. 

3. **Inconsistent Balance Information ( violation of FCRA 607 ( b ) ) ** : - Experian shows Balance Owed as {$120000.00} - Equifax shows Balance Owed as {$120000.00} This inconsistency violates the requirement for accurate reporting. 

4. **Inconsistent Past Due Amounts ( violation of FCRA 607 ( b ) ) ** : - Experian reports Past Due Amount as {$3200.00} - Equifax reports Past Due Amount as {$6000.00} This significant discrepancy suggests a failure to verify accurate information. 

Pursuant to my rights under FCRA 611 ( a ), I request that you conduct a reasonable investigation of these inaccuracies and either verify that the information is accurate or delete the disputed items from my credit report within 30 days. 

Please note that under FCRA 616 and 617, credit reporting agencies may be liable for damages for willful or negligent noncompliance with the FCRA. 

Please send me written confirmation of the results of your investigation.

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 2025-04-03 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: NJ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is currently reporting " wrong information address and employment '', and per 15 USC1681, the misleading and inaccuracy is unfair and a violation of my right to fairness and privacy of my personal information being reporting to credit reporting agencies. My personal information was involved in several " date breaches '', that several companies have admitted to a data breach of my personal information as i have been a XXXX XXXX XXXX XXXX XXXX XXXX  of california from the years od XXXX to XXXX, in which i had my first employment job since ive been home from XXXX  and i would like to update my address and information to correct my reports and the three credit reporting agencies have failed to reply or assist me at this time.

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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
First National Collection Bureau , Inc. and XXXX XXXX XXXX, XXXX claim {$440.00} ( Ref # XXXX, XXXX  XXXX # XXXX ) not mine as XXXXXXXX XXXX XXXXXXXX XXXX Beneficiary . I requested validation from XXXXthey refused, admitting debt may not be owed and sold it. I sent XXXX a Cease & Desist XX/XX/XXXX, XXXXthey ignored it, emailing XXXX XXXX, XXXX, violating 15 U.S.C. 1692c ( c ) ( $ XXXX ), XXXX692d, 1692e, 1692f. No noteFRNs ( 18 U.S.C. 8 ) I redeem ( 12 U.S.C. 411 ) shift to Treasury ( 50 U.S.C. 4305 ( b ) ( 2 ) ), acquitting me ( 31 U.S.C. 5118 ). Banks lent credit, not money ( XXXX, XXXX XXXX XXXX ). As a XXXX, XXXX ( XXXX ) bans unverified collectionthey wont stop. Cease & Desist, delete, pay damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
My accounts were compromised and the representatives refuse to send me all of my funds.my name is XXXX XXXX XXXX My social security number is XXXX My date of birth is 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 2025-04-03 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hard inquiries on my credit report without my consent or knowledge

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 2025-04-03 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: OneMain Finance Corporation
State: AL

Complaint narrative:
Hard inquiries on my credit report without my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquires on my credit report, prompting me to file a complaint with the federal trade commission ( FTC ) my grievance is distracted towards Experian, Transuniun and equifax. for infirringing upon my consumer rights by including these accounts in my report. I strongly believe that this situation exploits me and i seek resolution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX  {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1.00} XXXX XXXX XXXX  XXXX {$1.00} XXXX {$1.00} {$5.00} XXXX XXXX XXXXXXXX {$580.00}

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 2025-04-03 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:
Despite multiple attempts to dispute errors with the credit bureaus and creditors, the inaccuracies remain unresolved, negatively impacting my financial well-being. I have identified several unauthorized accounts and transactions on my credit report, as well as incorrect personal information. I have taken the following steps to correct these issues : Disputes with Credit Bureaus : I have submitted multiple disputes to Experian regarding the fraudulent accounts and incorrect information. However, the bureaus have either failed to remove the inaccuracies or have reinserted the incorrect data. I have reached out directly to the creditors associated with the fraudulent accounts to request verification and removal, but I have either received no response or have been denied relief without adequate explanation. I have also sought help from agencies such as the Federal Trade Commission ( FTC ) but the matter remains. I have attached documents and will list the fraudulent accounts and inquiries appearing on my report as follows : XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX ) XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX ) XXXX  XXXX XXXX XXXX {$1000.00} XXXX ) XXXX XXXX XXXX {$1000.00} Also there are numerous inquiries that were never authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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