vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In XX/XX/year>, I paid {$1000.00} to Concord ( formerly Milestone ) as part of a settlement agreement to close my credit card account. I have a screenshot of the offer that was provided, which clearly stated that my account would be closed once the payment was made. 

After I paid, I was told a letter confirming the closure would be sent. I never received that letter I was only contacted repeatedly to make the payment, and once I did, the follow-through never came. Despite the agreement, the account still appears open and is now accumulating interest and late fees. 

I believe the company is being dishonest. When I called to test the situation and asked to make a payment, the representative said they could assist me which implies the account is still open. But in other instances, Ive been told the account is closed. This conflicting information is extremely frustrating and concerning. 

What I want : -Immediate closure of the account as agreed upon -Reversal of any interest or late fees charged after XXXX XXXX formal written confirmation of the account closure -Removal or correction of any negative or inaccurate credit reporting related to this account I have documentation and screenshots of the offer and payment, and I'm willing to submit them as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Arivo Acceptance regarding unethical and potentially unlawful debt collection practices. 

On XX/XX/year>, I received a text message from a representative or affiliated party of Arivo Acceptance stating that they " knew I was working at XXXX XXXX and doing interviews and doing the promotions. '' This message was unsolicited and clearly indicated that the individual had used my personal social media activity to stalk or surveil me - despite no prior consent or communication regarding my employment or whereabouts. 

Inaddition to that, on XX/XX/year> Ireceived another alarming text message from the same party claiming that someone had seen me " at the XXXX in XXXX on the corner '' and they wanted to allow me to remove my belongings and " surrender voluntarily ''. 

The message was deeply unsettlingand made me feel unsafe. It demonstratesa clear pattern of intimidation, harassment, and inappropriate surveillance tactics that go beyond standard debt collection and may violate my privacy and consumer rights.

I find this to be a violation of my privacy and potentially a breach of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and deceptive or invasive tactics in debt collection .This message was not part of any formal payment discussion, and no attempt to resolve my account was made professionally. Instead, it came off as intimidation or surveillance, which is extremely unsettling .I
am requesting that this incident be investigated, and that Arivo Acceptance be held accountable for any violations of consumer protection laws .Please let me know what steps I can take to further support this complaint. I am willing to provide more context or documentation if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX, XXXX XXXX To Whom It May Concern, I am writing to formally report unauthorized credit inquiries made by the following companies : American Express XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) These inquiries were not authorized by me, and I believe they are the result of fraudulent activity. After reviewing my credit report, I discovered that these companies conducted credit checks on my file, but I did not initiate any applications or requests with them on the dates indicated. I have not opened any accounts or sought any services with these institutions. 

Details of the Unauthorized Inquiries : American Express : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I am requesting your assistance in investigating these fraudulent inquiries and helping me resolve this issue. I have already taken the following steps : Reported the fraud to the relevant institutions. 

Contacted the credit bureaus to place fraud alerts and freezes. 

Filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft. 

I am requesting that these unauthorized inquiries be removed from my credit report and that any fraudulent accounts or activity linked to these inquiries be fully investigated. 

Please let me know if you need any additional information or documentation to support my case. I would greatly appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I received letters from Midland Credit Management, a company I have never heard of or entered in any contract with, asking for payment of an alleged debt. 
Because again I never heard of this company I replied back on XX/XX/year> with a letter asking them to validate the so called debt in which I asked for : The name and address of the original creditor to whom the debt is owed. The original account number associated with the debt. A copy of the original contract or agreement that created the debt. A copy of all statements from open to close of this account. Including the date and amount of the last payment made on the account. An explanation of how the amount of the debt was calculated, including any additional fees, interest, or charges. Proof that you are licensed to collect debts in XXXX. Include a copy of your bond that shows youre legally registered in XXXX. Proof that you legally own this alleged debt or are authorized to collect on it. 
To this day I never received any of the documentation that validates the alleged debt which is my right so I dispute and deny the validity of this debt. Furthermore, I request that they cease and desist all collection activities and remove any report of this alleged debt on any credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I received an email from XXXX XXXX XXXX, Debt Collector at Midland Credit Management XXXX. He also sent a follow up email with this email, XXXX XXXX XXXX, Debt Collector at Midland Credit Management XXXX. I would think the email address would have the company name in it. The email was also sent to only my work email and not my personnel. They have never contacted my personal email. The email body explained my loan was purchased by Midland and for me to click a link to download my secure package to set up repayment options. I check my credit often and have all XXXX bureaus frozen, so I know I don't have an outstanding over due balances with any company. There was also a telephone #, XXXX, saying I was preapproved for 10 % discount and to call that number. That phone number was also a hyper link, you could click on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

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 2025-05-07 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I got a lawsuit settlement check from my Attorney for $ XXXX, I opened the Checking account on Monday XX/XX/year> with Citibank and with the $ XXXX lawsuit money, They told me the check would clear Saturday XX/XX/XXXX and it did. I tried to send my son who also banks with Citibank $ XXXX and now they telling me XXXX cant use my debit card and that the back office team will take a look and get back to me in XXXX from XXXX. 

Its now way past XXXX  and today is XX/XX/XXXX and when I called the Citibank Fraud number XXXX option XXXX today the Supervisor XXXX said " she could not do anything about it and its way past the XXXX XXXX  and the back office team should have gotten in contact me by now and there's nothing she can do about it and I just have wait. '' I feel like CitiBank is giving me the runaround about my money because I'm XXXX and a XXXX XXXX. It's been over a week and I cant shop online, buy clothes, send my some money nor be happy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check made out to me from my mother for XXXX dollars into my Wells Fargo account. On the XXXX I noticed none of the XXXX had been deposited into my account, so I contacted WF & spoke with XXXX. He said my mother, or her bank ( XXXX  ) had stopped payment on the check. I then spoke with both my mother and the XXXX. My mother told me the funds had already cleared her account, so there was no stop payment. My mother even called her bank & spoke with XXXX at XXXX ; she sent my mother a copy of the check showing it had been cashed! I then called WF back & soke with XXXX, then a supervisor, XXXX. They kept saying a " XXXX XXXX '' had been issued on the check, despite me having physical evidence the check had been cashed. I then went into my local branch of WF & spoke with XXXX. I brought the copy of the cashed check with me as proof there was no stop payment, but he said there was nothing he could do. It was in their system as a " XXXX XXXX '', * despite * me sitting there with proof the check had cleared! Now, WF is holding my money XXXX! They say the money will be available on the XXXX, but in the meantime, they are threatening me with overdraft fees & they have even returned a check I wrote saying it was returned due to insufficient funds!! What can I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
Im reaching out because there are accounts listed on my credit report that are completely inaccurateand I want them removed immediately. Let me be clear : I did not open these accounts, nor did I authorize anyone to open them on my behalf. They are not mine, and they should not be there. This is a serious issue, and Im treating it as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXXI recently opened up a new account to receive my social security XXXX checks direct deposit on XXXX XXXX at XXXX  I went and made a deposit of XXXX  in my account the next morning my account was on hold I asked the bank they told me to call a number they told me the account was on hold for 24hrs then the next morning they tell me they decided to close my account and I wont get my money back for 60 to 90 days I asked why and they didnt explain I called another numbeXXXX XXXX XXXX name is citi XXXX I was told I have a case number now XXXX  and was told that XXXX  would call me right back I never received a call so I  called her at the number listed above and her extension XXXX  and they told me she isnt in today i feel like this is a scam after looking up all the people that they did the same too i was depending on my XXXX  money and cant wait another 2 months to get my money I need my money to pay my bills'

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