vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : IMMEDIATE DISPUTE AND DEMAND FOR DELETION UNDER FCRA/UCC ILLEGAL CHARGE-OFFS & COLLECTIONS To Whom It May Concern, This is a formal dispute letter regarding multiple derogatory accounts listed on my Equifax credit report. The items listed below are being reported in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ). These accounts must be immediately investigated and permanently deleted from my credit file. 
Disputed Accounts : - 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 XXXXXXXX Charge-Off {$0.00} LEGAL VIOLATIONS : FCRA 1681i ( a ) ( 1 ) ( A ) : Requires deletion of information that can not be verified within 30 days.

FCRA 1681b : Prohibits the reporting or release of consumer information without permissible purpose.

FDCPA 809 ( b ) : Requires debt collectors to provide full validation of debt. Failure to provide original contracts with my signature voids their reporting authority.

UCC 3-501 ( b ) ( 2 ) : I am formally demanding presentment of the original instruments bearing my wet signature. If you or the data furnishers can not produce this documentation, you are required to remove the accounts immediately.

Additional Grounds for Removal : - Reporting {$0.00} balances with a negative status is materially misleading and causes undue harm, violating FCRA 1681s-2 ( b ).- Any reporting based on information compromised in a data breach is unreliable and must be discarded under consumer protection grounds.

Required Documentation : You are required to provide the following : - Original signed contracts- Full and complete chain of assignment or sale- Verification directly from the original creditor If these documents are not provided within 30 days, these accounts must be permanently deleted. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal counsel under FCRA 1681n.

This is your final notice. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: NJ

Complaint narrative:
On XX/XX/2025, I attempted to withdraw {$300.00} from a CVS ATM. The machine gave an error and did not dispense any cash. However, {$300.00} was still deducted from my XXXX XXXX XXXX ( issued by XXXX XXXX XXXX 

I immediately reported the issue to XXXX support and submitted all necessary documentation, including the ATM receipt. A temporary credit was issued but reversed one month later. 

I have not received the {$300.00} or any valid explanation. XXXX filing this complaint because the bank has failed to return my funds despite multiple attempts. 

XXXX requesting a full investigation and reimbursement of my {$300.00}. 


Name : XXXX XXXX E-posta XXXX Phone number : XXXX Address : XXXX XXXX XXXX XXXX. XXXX nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Ive had a payday loan with Speedy Cash for a while now ; I did ok on managing payments but then had to default due to financial insolvency. Ive been getting emails from someone one acting on behalf of Speedy Cash. Theyve been calling themselves XXXX XXXX and have identified themselves as a debt collector from the XXXX XXXX debt collection department. Predatory tactics were used ; threatening lawsuits the full XXXX. Ive gotten this same type of email from a different person a XXXX XXXX it looks like they pasted this to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : 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 2025-05-10 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:
Subject : Failure to Complete Investigation Within 30 Days Immediate Deletion Request ( XXXX XXXX XXXX, Account # XXXX ) To Whom It May Concern, I am demanding the immediate deletion of the XXXX XXXX XXXX tradeline ( Account # XXXX ) from all consumer credit reports due to the credit bureaus failure to complete a reinvestigation within the 30-day time frame required by the Fair Credit Reporting Act ( FCRA ). 

I submitted my formal dispute to Experian, Equifax, and TransUnion on XX/XX/XXXX, and all three received it by XX/XX/XXXX. As of today ( XX/XX/XXXX ), no verified investigation results, deletions, or adequate responses have been provided in direct violation of FCRA 611 ( a ) ( 1 ) ( A ). 

Ongoing FCRA Violations Include : -Failure to conduct and complete a lawful investigation within 30 days. 
-No response to my request for the Method of Verification under FCRA 611 ( a ) ( 7 ).

-Continued reporting of conflicting and materially inaccurate data in violation of FCRA 607 ( b ) ( maximum possible accuracy ).

-Reporting unverifiable information in violation of FCRA 611 ( a ) ( 5 ) ( A ), which mandates deletion if data can not be verified.

Specific Discrepancies Include : -Contradictory statuses : " Charged Off, '' " Profit & Loss Write-Off, '' and Unpaid Balance Reported as a Loss. 
-Inconsistent dates of last activity : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
-Reporting a closure date before the dispute was filed. 
-Payment history and balance data that conflict across bureaus. 
- XXXX XXXX  monthly payments reported despite alleged delinquency and no consistent payment history. 

Because the account remains unresolved and unverifiable, any continued reporting constitutes willful noncompliance and could result in legal consequences under FCRA 616 ( civil liability for willful noncompliance ) and 617 ( negligent noncompliance ).

I am requesting the following relief : Immediate deletion of the disputed tradeline from all reports.

Written confirmation of deletion within 15 calendar days of receipt.

If this account is not deleted promptly and in full, I will escalate this matter by : Filing a formal complaint with the Federal Trade Commission ( FTC ), Continuing my complaint through the Consumer Financial Protection Bureau ( CFPB ), And pursuing legal action for actual and statutory damages under applicable FCRA provisions. 

Please find attached my original dispute ( XX/XX/XXXX ), all supporting documentation, proof of ID and address. I am exercising my rights under federal law and demand full compliance. 

Respectfully, 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 2025-05-10 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: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, several unauthorized transactions totaling {$360.00} occurred on a BMO debit card that I never received or activated. 

I reported the issue immediately. BMO issued a provisional credit, then reversed it, claiming the card was present during the transactions. This is false I never had the card. I live in an apartment with a shared mail system, and I believe the card was misdelivered and fraudulently used by someone else.

I requested documentation, investigation findings, and a proper resolution multiple times BMO never provided any evidence or response beyond dismissing my claim.

This is a direct violation of Regulation XXXX, which protects consumers from unauthorized transactions on a lost, stolen, or never received card. I have since sent a formal demand on XX/XX/year>, with no reply. 

I am seeking : A refund of the {$360.00} A copy of BMOs investigation Statutory damages under 15 U.S.C. 1693m for failure to comply with Regulation 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 monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was never notified any debt was owed. I never received a bill, phone call, or email of any kind of communication. This debt showed up on my credit as a collection and lowered my credit score so I called and paid it without knowing anything of what it was for.

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 2025-05-10 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: GA

Complaint narrative:
I have submitted multiple disputes, including my most recent on XX/XX/year>, regarding the inaccurate and potentially unverifiable accounts listed in the letters. To date, I have received inadequate responses claiming that the accounts were " verified '' without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

Despite repeated requests, they have failed to provide : 1. The specific method of verification used for each item.

2. The name and contact details of the data furnisher ( s ).

3. Any documentation relied upon during the investigation.

This is a clear violation of both 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), and I intend to hold these agencies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XXXX two charges for XXXX were made on my checking account without my consent. One charge was for {$250.00} USD and the other for {$260.00} USD. 
My bank initially gave me a temp refund but then after the investigation they took it back. I requested the documents on how they came up with this decision that it was not Fraud and It took over a month to receive them. The documents did not clarify anything to me. I wanted to see IP addresses or a location from where the charges occurred.

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 2025-05-10 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: CA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was using my one checking and savings account. Normally someone sent money to my XXXX, which was linked to capital one I did nothing wrong and the person who sent funds to the XXXX account after verifying that they wanted to send it to me on behalf of my daughter verified that I was the one and then subsequently put in a claim of fraud One chose to do an investigation or so-called investigation and then take the XXXX dollars away from me like as if I committed fraud subsequently close my checking and savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
In response to previous complaints below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account ( s ) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. Also, as far as collections I would like to see the original contract and assignment contract of the account to clarify that is my debt. Also, I want to make sure that the collection agencies are licensed and bonded to collect debt in the state of Pennsylvania. Refer to 15 USC 1681 for inaccuracies with those accounts also because no other credit bureaus report those accounts. 

Accounts 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Account SUNRISE CREDIT SERVICES GROUP I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account SUNRISE CREDIT SERVICES GROUP as soon as possible from my report or i will have to take legal action. ]

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 2025-05-10 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:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. It is hurting my ability to obtain credit.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief