vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Tracking debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human tracking of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
Account # XXXX XXXX XXXX Account # SOALAOXXXXXXXXXXXX Balance, XXXX $ Account # XXXX XXXX XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX XXXX  Account # XXX Balance, XXXX $ Account # XXXX XXXX Account XXXX XXXX Balance, XXXX $ Account # XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX XXXX XXXX  Account # XXXX Balance, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Tracking debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human tracking of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
Account # XXXX XXXX XXXX Account # SOALAOXXXXXXXXXXXX Balance, XXXX $ Account # XXXX XXXX XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX XXXX  Account # XXX Balance, XXXX $ Account # XXXX XXXX Account XXXX XXXX Balance, XXXX $ Account # XXXX XXXX Account # XXXX Balance, XXXX $ Account # XXXX XXXX XXXX XXXX  Account # XXXX Balance, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
There has been negligence on my credit reporting given some accounts are old and need to be removed down to accounts i dont even know about or owe. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt exist. I also did not give my information or permission for my information to be used or sold to any company or bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My non public personal information was compromised by the Equifax Data Breach and We went on the site Equifax Data Breach Settlement and it said my information was compromised. We were impacted by the Equifax Data Breach. XXXX is the number the site gave me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XX/XX/year> I went XXXX XXXX down all accounts they wrote me XXXX check said close down money market but told me keep old fraudulent checking so get pay back for disputes. On XX/XX/year> XXXX withdraws made draw by check bank wont give me check number call itf bed. Cashed and were then XXXX deposited in bank I was told XXXX bank give all money in account then close it dlwithdrew XXXX check, they left XXXX account open so long I had pay XXXX to XXXX down all ACH fraud and up charges. XXXX also let my XXXX wire money out 7 times and said let her once they took out Cd XXXX without telling me or permiskn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding Citis refusal to reverse fraudulent transactions on my Citi credit card, despite clear evidence proving that I was not responsible for them. Below are the details of the situation : Dates of Unauthorized Transactions : XXXX XXXX XXXX XXXX XXXX XXXX Location of Fraudulent Transactions : California Total Amount in Dispute : [ Specify total amount ] Date of Discovery : XXXX XXXX XXXX Actions Taken by Me : Immediately locked my credit card upon discovery.

Filed a fraud dispute with Citi on XXXX XXXX XXXX

Filed a police report in Pennsylvania, XXXX XXXX XXXX

Provided Citi with supporting documentation, including : A police report and officer contact details. 
My paystub proving I was working in Pennsylvania during the time of the fraudulent transactions. 

XXXX XXXX : On XXXX XXXX XXXX, Citi denied my dispute, claiming that my card was skimmed and used in California, despite the fact that my physical card has always been in my possession. 

I believe Citi has failed to properly investigate this matter and has unfairly held me responsible for transactions I did not authorize. I am requesting the CFPBs assistance in ensuring Citi reverses these fraudulent charges and properly adheres to consumer protection laws. 

Please let me know if further information is required. Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Citi Double Cash Card - 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 2025-03-21 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: SC

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a compliant and the credit companies failed to do a proper investigation instead just sent a generic response while keeping the issue on my credit. I have included their response and also the laws on how this is illegal and how they have already been sued for this same issues. Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian for Failure to Properly Investigate Credit Report Errors Date : XX/XX/XXXX I am filing a complaint against Experian regarding their failure to properly investigate and resolve errors on my credit report, despite multiple disputes and clear violations of the Fair Credit Reporting Act ( FCRA ). Background : I have been actively working to repair my credit and have sent multiple dispute letters to Experian regarding the inaccuracies on my credit report. Despite myefforts, Experian has not complied with the requirements of the Fair Credit Reporting Act, specifically : 15 USC 1681e ( b ) Duty to maintain reasonable procedures to ensure maximum accuracy of the information in my credit report. 15 USC 1681s- 2 Requirements for data furnishers to provide accurate information and correct any inaccuracies. 15 USC 1681i ( 5 ) Failure to complete the required reinvestigation of my disputes in a timely manner. 15 USC 1681c ( c ) Failure to remove or correct information that should have been deleted under the law. Details of the Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite submitting disputes and providing supporting documentation to prove the inaccuracies, Experian has failed to conduct a reasonable and thorough investigation into these accounts. I have reviewed the recent CFPB lawsuit ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), and the pattern of Experians failure to properly investigate disputes and remove inaccurate information further supports my case. Experians actions ( or lack thereof ) have directly harmed my ability to access credit, housing, and employment. Thank you for your attention to this matter. Sincerely,

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 2025-03-21 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FDCPA ,15 U.S.C.1692-1692p** And any other applicable consumer protection law my dam rights have been violated. I did not approve or make these inquiries. Under the law **15 U.S.C. 1692g ( b ) ** these inquiries need to be removed. Amen. 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 2025-03-21 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:
Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FDCPA ,15 U.S.C.1692-1692p** And any other applicable consumer protection law my dam rights have been violated. I did not approve or make these inquiries. Under the law **15 U.S.C. 1692g ( b ) ** these inquiries need to be removed. Amen. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX Dear Equifax I am writing to formally dispute accuracy information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these in accuracy as required by federal law recently, the Customer financial protection bureau file a lawsuit against experience for its failure to properly investigate customers, dispute siding, shame, investigations, and other unlawful practice. These practices is outline by the CFBP includes conducting in adequate investigations that fail to address customer dispute properly re-inserting previous disputes and inaccuracy information without explanation, failing to notify customers about investigation results efficiently please review the inaccuracies information being reported provide me with documents. You rely on if this dispute information is verified as accurate ensure that the accurate or verification information is correct or removed from my credit report properly if the investigation conclude that the information can not be verified or remain inaccurate I request the immediate remover of corrections of this information from my credit report. Furthermore, I request in writing confirmation of the action you take and response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFBP and other appropriate agencies thank you 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 2025-03-22 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX Dear Equifax I am writing to formally dispute accuracy information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these in accuracy as required by federal law recently, the Customer financial protection bureau file a lawsuit against experience for its failure to properly investigate customers, dispute siding, shame, investigations, and other unlawful practice. These practices is outline by the CFBP includes conducting in adequate investigations that fail to address customer dispute properly re-inserting previous disputes and inaccuracy information without explanation, failing to notify customers about investigation results efficiently please review the inaccuracies information being reported provide me with documents. You rely on if this dispute information is verified as accurate ensure that the accurate or verification information is correct or removed from my credit report properly if the investigation conclude that the information can not be verified or remain inaccurate I request the immediate remover of corrections of this information from my credit report. Furthermore, I request in writing confirmation of the action you take and response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFBP and other appropriate agencies thank you 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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Company collected information from my mother and used it to charge me for a gift. 

Swiss Colony is sending me statements for a gift my mother sent me. My mother is XXXX XXXX XXXX and it appears that they used the information from my address to attach the debt to me. The company has my mothers email and may be double charging.

I appears this may be a case of elder fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Transunion and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax and Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Transunion 's inaction violates federal law and my rights as a consumer.

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