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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Request for Resolution and Clarification of Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am writing to formally express my concerns regarding the enforcement and interpretation of the Fair Credit Reporting Act ( FCRA ) and its impact on consumers like myself. The FCRA was enacted to ensure the accuracy, fairness, and privacy of consumer credit information ; however, many consumers continue to face challenges when disputing inaccurate information, obtaining timely responses from credit reporting agencies, and securing their financial reputations. 

I respectfully request that the CFPB take the following actions to strengthen consumer protections under the FCRA : 1. Improve Dispute Resolution Timelines Consumers often face delays when disputing inaccurate information. Enforcing stricter deadlines for credit bureaus and furnishers to investigate and correct errors is crucial. 
2. Hold Credit Reporting Agencies Accountable Credit bureaus should be subject to increased oversight to ensure compliance with the FCRA, especially regarding reinvestigations and consumer notifications.

3. Enhance Consumer Education Many individuals are unaware of their rights under the FCRA. Providing clearer, more accessible resources can help consumers take proactive steps in monitoring their credit.

4. Strengthen Identity Theft Protections Identity theft victims often struggle to remove fraudulent accounts from their credit reports. The process should be streamlined, and credit freezes should be more readily available. 

I appreciate the CFPBs ongoing efforts to uphold consumer rights and protect financial data integrity. I kindly request that my concerns be reviewed and that any relevant actions be taken to address these issues. If additional information is needed, please contact via email. 

Thank you for your time and dedication to consumer financial protection. I look forward to your response regarding this important matter. 

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

Complaint narrative:
Subject : Request for Deletion of Charged-Off or Closed Account Due to 1099-C Issuance Dear Transunion, I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 

The account in question is : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX Amount : {$1400.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file.

Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs. 

Please conduct an investigation into this matter and provide me with written confirmation of the deletion. If you continue to report this invalid debt, I will have no choice but to pursue all legal remedies available to me. 

I expect your response within 30 days of receiving this letter, as required by the FCRA. 

Sincerely, 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Tx XXXX XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX  : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX  XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IA

Complaint narrative:
I asked why they are charging me a maintenance fee on an out that was closed in XXXX XXXX XXXX They have been charging me monthly with a maintenance fee even though the account is closed. 

I asked them to reopen my account since I am paying the maintenance fee, they refused. 

I asked for a representative in the united states, they refused, even though the card is issued by the XXXX XXXX XXXX 

I asked for them to refund the maintenance fee, since they are allowed to charge interest on a closed account, but not a maintenance fee, they refused. 

The representative kept placing me on hold stating that she was going to transfer my call, however she did not actually transfer my call. 

They then told me that they will continue to charge a maintenance fee until the account is paid in full. 

The representative then stated that she was transferring the call to a supervisor, however, instead of transferring me she answered the phone and said that she was disconnecting the call since I was recording. 

I never stated I was recording, nor was I actually recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This XXXX XXXX Account thats listed on my account should have been removed, the creditor XXXX XXXX ( Account # XXXX ) has sent me a document stating they have stop reporting the account on all three major credit reporting agencies Transunion, Equifax and Experian. 

XXXXXXXX XXXX XXXX Account # XXXX is reporting the wrong balance it should be reporting a balance of {$120000.00}. Please update the correct amount immediately on all three credit reports transunion, Equifax and Experian. 

XXXX XXXX XXXX XXXX Account # XXXX has not reported the Auto loan as paid in full. Please update this immediately on Experian, Equifax and transunion.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$30000.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$4400.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00} XXXX XXXX XXXXXXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: CA

Complaint narrative:
I have sent several notice along with an Identity theft report, 605b letters, a copy of my XXXX report showcasing the accounts that are being reported on EXPERIAN are a result of identity theft and security breaches. These same accounts have been deleted from XXXX. In addition, XXXX XXXX XXXX have deleted the same accounts. EXPERIAN for whatever reason believes that they don't have to abide by the FDCPA, FCRA, USC laws/codes. They are willfully refusing to remove accounts that have clearly been proven they don't belong to me! EXPERIAN is even failing to follow Metro 2 and E-Oscar reporting guidelines. Is EXPERIAN above consumer and federal laws, do the rules not apply to EXPERIAN? This is extremely frustrating and damaging! Due to their fraudulent/misreporting, I have lost job opportunities, housing and access to loans because institutions are pulling my EXPERIAN consumer report and they see all of these accounts that occurred as a result of identity theft and breaches which causes me to be denied. I am attaching a copy of my EXPERIAN credit report, copies of the XXXX and XXXX CFPB responses and my XXXX report as evidence of my claim. I have already provided EXPERIAN with my FTC report and 605b letters as well as my ID, therefore I am not issuing these documents again. I'm also uploading the FINAL DEMAND NOTICE.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Debt Collector : Credit Collection Serv Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct # : XXXX I have disputed this collection company several times on the XXXX app/online. After several times of disputing and not receiving the information I requested I mailed a debt validation letter which they have yet to respond to. The last online dispute this company decided to change the past due dates on my credit report which negatively impacts my report again. I would for this company to remove this collection from my report until the debt is validated properly. 
Please refer to Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of 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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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: Affirm Holdings, Inc
State: NC

Complaint narrative:
Several dispute requests were submitted to XXXX in the month of XXXX requesting that an account with Affirm Inc, be updated to reflect that " PAID OFF '' status for this account. XXXX sent notifications of refusal to update the consumer credit profile with the correct information. On XX/XX/XXXX another attempt was made to dispute the incorrect balance. On the same day of XX/XX/XXXX, XXXX sent notification that the incorrect information would remain on the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They are reporting still reporting missed payments on this account and it is nearly 7 years old. It falls off of my credit report this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: FCI Lender Services Inc.
State: NJ

Complaint narrative:
Attached is review of file by attorney who handled my sale of my property at XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. As of right now I have filed a complaint with NJ attorney general, PA attorney general for 3 different companies. XXXX XXXX XXXX, XXXX XXXX XXXX and FCI XXXX  Services. None of the 3 entities I have reported will admit as to who is holding my money. One of these mentioned companies is holding a holdback in the amount of {$27000.00}. Attached is a letter from XXXX XXXX XXXX that says funds were transferred to FCI XXXX  Services. When loan was paid in full to FCI XXXX  services they refused to release holdback.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a text message on how to get started to deposit money into my NEW Wells Fargo Checking Acct and then I also get email for the same thing. A week or so later I recevied the end of month Bank statement showing a checking acct. opened at Wells Fargo Bank. I did go to the bank and they were going to do a investigation and close the account. This has happened at Wells Fargo Bank a few ears ago also. They wanted to freeze my account with the credit bureau 's. I have also received some other mail for some credit cards that someone tried to open in my name but my credit was denied.

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: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
They have placed a {$1400.00} non payment on my credit report. Can't get financed for anything at all.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: OK

Complaint narrative:
Have asked numerous to pick up the vehicle, refused. Numerous phone calls.

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