vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My credit card with Barclays XXXX XXXX was stolen in XXXX and multiple transactions were made. I did not notice the card was stolen because I had no notifications of it being used like other credit card companies do. I noticed that I had a payment due on the card in XXXX on XX/XX/year>, which was strange because I hadnt used the card over 5 months. When I saw the statements I called them to let them know there was fraud on the card. They said they would open an investigation XX/XX/XXXX. Now in XX/XX/XXXX I am still disputing the charges. I have asked to send them documentation of my own transactions so it can show I was in my own city and they said they cant use that information. My credit score has now been affected, showing I have a high balance on my cards, Im getting charged high interest charges. Im making payments on the card that are over {$180.00} dollars and its not going towards the amount that I have used for my own personal transactions but to the fraud charges.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I took out a personal loan for {$21000.00} on XX/XX/XXXX. At that time the bank put a hold on my savings account for {$21000.00}. I paid the loan in full on XX/XX/XXXX ( more than a year early ), but the bank has not released the {$21000.00} hold on my savings account. In other words, my savings " Available Balance '' is exactly {$21000.00} less than my " Balance ''. The bank is blocking my access to my funds. 

I know the bank 's records reflect my loan is paid in full- I received a XX/XX/XXXX statement stating the loan was paid in full, as well as a XX/XX/XXXX check for {$1.00} which was the amount of overpayment. However, they failed to remove the {$21000.00} hold on my savings account. 

Over the past month, I have called their customer service number twice ; the first time I was told I just needed to wait XXXX days and the hold would be released. The second time I was told I needed to physically go to a branch to get this resolved. On XX/XX/XXXX I went to a branch near my house and spoke with a representative. He told me he would submit some type of form that would resolve the issue and that he would call me later in the day to confirm it was all set. He never did call me that day. I waited close to a week and then on XX/XX/XXXX, called that branch and spoke with the same rep. He told me he had submitted the form and that it could take up to 10 days to process, and advised me to wait a few more days and it should be all set. As of today, this issue is still not resolved after 4 attempts.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to update of my personal information, specifically my name and address, on my credit report. I want to ensure that my credit profile accurately reflects my current details. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
THE COMPANY ARE LISTED BELOW XXXX XXXX XXXXXXXX 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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The debt was reported and displayed to my XXXX XX/XX/XXXX. I called that day to ask for the debt to be verified. They asked for my social security number and address and kept transferring me. They failed to verify the with written proof. They kept asking for more personal information. They provided me a fake email address to request the validation. 

The collection is stated for {$370.00}. I called the original creditor to explain how they failed to provide notice as they did not update my personal information to receive the bill even though I provided it to them. I never received the bill. Thus, the debt is not valid as I was not made aware or received any validated proof. 

Purchase agreement was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/year>, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken signicant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit prole. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit prole and is wholly unacceptable. 
The fraudulent inquiries appearing on my report are as follows : - XXXX XXXX - XX/XX/year> - XXXX XXXX XXXX - XX/XX/year> - CONSUMER PORTFOLIO XXXX - XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Global Lending Services LLC
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/year>, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken signicant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit prole. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit prole and is wholly unacceptable. 
The fraudulent inquiries appearing on my report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
XXXX account is being reported thats not mine, received confirmation that it should be removed.

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 2025-03-25 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: TN

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I have an account with a company called XXXX  who I financed my XXXX alarm system equipment through. The company called XXXX reference # XXXX have been reaching out to me regarding this bill. They have been calling from random numbers like XXXX, XXXX and other. I called the company XX/XX/XXXX a Friday. I spoke to a gentleman, XXXX XXXX, or whoever his name was and he was very very disrespectful, nasty and called me a liar. I called XXXX to get an understanding of the text message I received, was this a settlement offer a pay off just to get an understanding of it all before I take care of the debt. Due to his nastiness, I did become erratic and belligerent, and I hung up on him. The same guy called me today, Saturday, XX/XX/XXXX at XXXX XXXX  or so and instead of dressing me by XXXX XXXX he called me XXXX as if we were friends and we are not. He was really nasty Again, and rude and hung up on me. I called back to the company requested to speak to a manager. The manager was OK but I still he didnt do a sufficient job that I would think was sufficient. He said he was gon na listen to the tapes and get back to me which I dont care about that And now they want me to pay this money I refuse to pay for being disrespected that is nasty. The Customer supposed to always be right. Thats what I thought could a customer service so I would like for someone to contact them and speak to them on my behalf and if they want to work out something Im fine. I called for XXXX the original deck holder to speak with them about this account and they stated that it was turned over to a company called XXXX  I asked the representative was she sure it was an XXXX and she said no its XXXX  and proceeded to give me the phone number for XXXX  or XXXX  which is not the same number that I have been calling for XXXX. Not only am I suspicious of this company now after speaking with my lender about this because I am in the house buying process right now she informed me not to pay the debt. Let her look into it to make sure they are legit and valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I filed a complaint with these Bureaus a month ago, but the wrong info on my report is still there. To make matters worse, I haven't heard back from them, and theyve already closed my complaint. Can you tell me why they did that without fixing anything? Did they even look into my dispute? I really need to know that theyve checked the inaccuracies and verified the accounts. What methods did they use to do that? This whole situation is super frustrating! Its been over 30 days since I complained, and I thought the accounts would be updated by now. If they dont get updated soon, I might have to consider legal action because this has been really stressful. Plus, Im worried about my personal data security after the Equifax, Experian, and XXXX breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
Gordan, Aylworth and Tami, PC are disregarding the statute of limitations for debit in Washington State. Old debt from over 8 years ago. Worse yet, one of the attorneys signed a Full Release of Write of Garnishment only to have another attorney sign off and have another Attorney send in another garnishment a couple days later.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I applied for a Venmo account in XX/XX/XXXX, and in XX/XX/XXXX, I got an email saying my account was suspended for " unusual activity, '' but I had not completed setting up my account at that point. Every time I attempted to input my debit card information and/or bank information, the app would not accept it. My account had no funds tied to it. In XXXX of XXXX, I received an email saying that my account was permanently deactivated due to concerns regarding my activity. There has never been activity on my account because I had never actually used it for transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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