vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: LEXISNEXIS
State: AL

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 explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: AL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-11 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the removal of a XXXX XXXX XXXX account with a {$620.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 

Furthermore, XXXX XXXX and XXXX state that if disputed information can not be verified within 30 days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated 30-day timeframe. 

Failure to comply with this request may result in legal action. XXXX XXXX and XXXX grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 

I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 

If this matter is not resolved within 30 days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My issue with Fifth Third Bank started when I closed my three accounts ; Checking, Savings, and Credit Card. I was instructed by the bank to do the following : Pay off the credit card balance from the checking account. 
Wait for the transaction to clear. 
Transfer the savings balance to the new bank account. 
Transfer the remaining checking to the new bank account. 
Before I transferred the checking to the new bank account, the banks auto bill pay withdrew {$710.00} to pay that months credit card statement balance. Their system failed to check to see that there was a zero balance. I asked the teller what to do about this and she said to just transfer the {$710.00} back to the checking account, which I did. I then transferred the checking balance to the new bank account. 
However, Fifth Third Bank treated this as a cash advance and charged me {$35.00} cash advance fee. I called the bank many times trying to stop this and to close the account. But they continue to charge me late feres which are mounting. I have tried to talk with their foreign speaking agents but they keep say I still have to pay the balance of {$150.00}, which continues to mount up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 


CREDITOR NAME XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX  XXXX/XXXX/XXXX {$560.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX, XXXX XXXX/XXXX/XXXX {$1000.00}

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 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 


CREDITOR NAME XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX$720.00} XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$560.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX, XXXX XXXX/XXXX/XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the following account on my credit file. Upon reviewing my credit report, I found significant discrepancies across the credit bureaus, which may indicate non-compliance with the Metro 2 format and CDIA guidelines. Ive previously disputed and was not giving a proper investigation XXXX Account 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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant LLC/Web Bank On XX/XX/year>, I sent a Priority Mail letter to Avant LLC/Web Bank regarding an alleged charged off account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without a response, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/year> {$94.00}. Disp # XXXX XX/XX/year> {$73.00} Disp # XXXX Both dispute were under same XXXX ( vendor ) order they split it into 2 shipments. The items were sent to the wrong address in a different state. I chatted with an XXXX agent on the same day the order was placed XXXX told them to cancel the order since it was being sent to the wrong address. They used my old billing address instead of the new shipping address. I was told they would talk to their shipping dept to cancel. The next day, I saw 1 of the 2 packages was being sent to the wrong address. I again chatted was to call the shipping company. 
I chatted with the shipping agent was told it wasnt in the system to call 24-48 hrs later. Less than 24hrs I chat with another shipping agent that says he cant cancel the shipment Went back to XXXX XXXX they again gave me the runaround. Try disputing with Citibank XXXX they denied me the chargeback although I sent them proof of my conversations attempting to cancel the shipments. I even highlighted it for them. I sent XXXX a form through a link their agent sent me letting them know I never got the shipment. Less than 3 minutes of me sending the email they denied me the claim. I tried on at least 3 different days to get this resolved XXXX basically XXXX XXXX the shipping company refused to cancel the order or at the least changed the delivery to the correct address. 
Thank you for any help in this matter.

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 2025-01-11 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: MoneyLion Inc.
State: GA

Complaint narrative:
Money Lion Account : XXXX To Whom It May Concern : I am writing regarding your continued failure to properly verify this alleged debt despite years of correspondence and clear evidence of identity theft. This letter serves as my demand for proper verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). HISTORY OF NOTIFICATIONS AND INADEQUATE RESPONSES : Over the past 4-5years, I have repeatedly : 1. Submitted police reports documenting identity theft 2. Provided FTC identity theft reports 3. Furnished data breach notification letters 4. Requested specific verification of the debt 5. Disputed this account with both your company and credit bureaus Your responses have been grossly inadequate and potentially in violation of federal law : - You claim verification using an email address you never possessed- You continue sending form letters via email despite instructions for mail correspondence - You provide account statements showing addresses where I have never resided - You show loan documents with only typed names, no signatures- You present payment histories showing zero payments ever made - You fail to provide any government-issued identification matching the loan address -You ignored my identify theft -You ignored my FTC Report- Why was I never Provided copies of ALL original account documents showing my actual signature- Why havent Ive provided how you verified my identity at account opening- Why Havent copies of any government ID collected at account opening been provided - Document how you validated the address used on statements- Explain why you ignored multiple identity theft reports LEGAL REQUIREMENTS FOR VERIFICATION : Under the FCRA and FDCPA, you must provide ACTUAL EVIDENCE 1. A copy of government-issued identification used at account opening that matches the address on statements 2. Original signed loan documents ( not just typed names ) 3. Proof that you verified the identity of the borrower at account opening 4. Evidence that you followed your standard fraud prevention protocols

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
The dispute letters were sent to all 3 major credit bureaus as well as the creditor on XX/XX/year>. 

I did not receive the information requested to validate my owing this debt, therefore, per the law, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Upon a thorough review of my consumer report, I have identified inaccuracies linked to information furnished by your agency ( see attached documentation ). As stipulated under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), any data provided to consumer reporting agencies must be accurate and complete. The errors noted on my report fall short of this legal standard. 

Additionally, I must address a more pressing concern regarding your agency 's actions. I have been advised by the XXXX XXXX XXXX that your entity has engaged in unauthorized wage garnishment involving state taxes. This conduct constitutes a direct violation of my rights and is without legal merit. 

Accordingly, I am invoking my right under federal law to formally request that your agency Cease and Desist all further communications concerning this debt, except in the context of : Providing documentation substantiating the validity and enforceability of the claimed debt. 
Issuing updates regarding corrective actions to resolve inaccuracies within my consumer report. 
Your adherence to federal obligations outlined in 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) is expected. Non-compliance will compel me to explore additional legal remedies to safeguard my rights. 

Please confirm receipt of this correspondence and provide a comprehensive response detailing the corrective measures being undertaken. 

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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade On XXXX XXXX XXXX I sent a Priority Mail letter to Upgrade Inc regarding alleged charged off accounts they had listed on my credit reports. 
I requested validation under the XXXX along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without them providing the validation I requested, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: NV

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX on XXXX XXXX at the time of the purchase the cost was XXXX $ and we were told it was 28 % interest which would have come to XXXX it was a lot but we needed a car and agreed we have XXXX had the car for XXXX. XXXX years and have paid over XXXX and still owe XXXX we have made every payment up until now plus it is costing us XXXX $ to keep it fully insured we have tried to talk to the bank to refi and they flat out said no since we have had the car we have had to replace the. XXXX and now can not get the check engine light to go off after replacing part after part and per The XXXX XXXX XXXX the car is only worth XXXX $ and that is without any of the problems it is having.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
On XX/XX/year>, I filed a formal dispute with Equifax regarding a debt reported by XXXX XXXX, XXXX. The reported balance of {$14000.00} exceeded the credit limit ( {$11000.00} ) and the charge-off amount ( {$11000.00} ), indicating inaccuracies. I requested that Equifax conduct a reasonable reinvestigation to verify the accuracy of the reported information. 

On XX/XX/year>, Equifax responded with an 'Updated ' status but failed to explain what was changed or how the information was verified. Despite receiving supporting documentation highlighting discrepancies, Equifax did not remove the entry or confirm that the furnisher provided sufficient evidence. Instead, Equifax relied solely on XXXX Bank 's certification without conducting an independent review to ensure accuracy.

Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ) : 1. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). 

2. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ). 

3. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ). 

XXXX. 1681i ( a ) ( 6 ) ( B ) : Failure to provide meaningful notice of reinvestigation results ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ). 

By failing to conduct a proper reinvestigation or remove unverifiable information, Equifax allowed inaccurate information to remain on my credit report, causing harm to my creditworthiness despite my good faith efforts to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

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 2025-01-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Department of Education/Nelnet Account number last four and balance will be submitted as evidence. In pictures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, a collection agency by the name of EASTERN ACCOUNT SYSTEM, INC reported to XXXX that a {$240.00} balance is owed. I am not aware of Eastern Account System Inc, nor did I give them consent to report this debt. I was not notified by mail or phone of who the creditor is, or what company this debt is tied to. According to the FCRA, third party debt buyers can not recover or report any debt to credit agencies without my consent. Below is my request from the collection agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation