vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received gift cards from a family member during XXXX 2024, and they have always been in my possession, ready to use, as they do not expire for years. However, when I attempted to use one for the first time, I was only able to make a small-dollar purchase. Upon investigating why the card kept declining, I discovered unauthorized fraudulent charges.

I reached out to the vendor ( Vanilla/Incommpayments ) for assistance, but they claimed they could not take any action due to a " lack of evidence. '' This response is confusing, as I still have the physical card and even provided the original purchase receipt as requested. Despite this, they quickly closed my dispute after just three days without offering a valid explanation. Vanilla Gift Card has failed to provide a solid reason for rejecting my claim, leaving me without a resolution. I believe there is fraud happening internally where our card numbers are being sold. I have all the receipts, video evidence, despite all, I'm given scripted responses where they close my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

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. 

Experian ****** Account name : XXXX Account Number # XXXX Account name : XXXX Account Number # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX Transunion XXXX Account name : XXXX Account Number # XXXX Account name : XXXX Account Number # XXXX Account name : DEBT XXXX XXXX Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX Equifax XXXX  Account name : XXXX Account Number # XXXX Account name : XXXX Account Number # XXXX Account name : XXXX XXXX XXXX XXXX Account Number # XXXX Account name : XXXX XXXX XXXX  Account Number # XXXX Account name : XXXX XXXX XXXX Account Number # XXXX has violated my rights. 

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 an 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 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 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I logged on to check something on their site in early XXXX and saw that it mentioned late payments in XXXX and XXXX. I was surprised since I have using the same process for years to make these payments. I never received any notification from XXXX XXXX my payments were late. I have been paying XXXX XXXX the same way for years using XXXX  XXXX XXXX 's bill pay platform so no idea why the payments in ( sent to XXXX XXXX before due date on XX/XX/XXXX ) XXXX and ( sent to XXXX XXXX before due date on XX/XX/XXXX ) XXXX were not received and applied but I immediately using XXXX XXXX 's payment system made the payments due on XX/XX/XXXX. I even had XXXX  XXXX XXXX reach out to XXXX XXXX with me on the line to explain the issue and XXXX XXXX even credited me the fees they charges as they realized this was a non-issue so assumed there would be no issue with this impacting my credit. I even submitted a ticket to XXXX XXXX to ensure this would not impact my credit ( ticket # XXXX ) with all the details on XX/XX/XXXX and never heard a thing. This is completely unacceptable XXXX XXXX to file something with the credit agencies based on misinformation. I submitted another ticket to XXXX XXXX on XXXX ( XXXX ) and also submitted two disputes with Experian who took no action. My Wife and I have worked very hard our whole lives to ensure our bills are paid on time and maintain exceptional credit to have XXXX XXXX impact our credit scores like this after I proved these payments were made timely is just awful.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

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 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 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


i want reported account removed theses are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within XXXX  days. Please find the enclosed documents for your review.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americor Funding, LLC
State: TN

Complaint narrative:
I signed up with Americor Financial who advised me to stop making payments to my creditors and they would help me by negotiating a settlement amount that was lower than the original debt. They paid only one {$700.00} amount to XXXX  XXXX and XXXX of the negotiated amount to XXXX XXXX about {$500.00}. In thirteen months my credit has been ruined and I have not seen any activity since early XXXX. I have amassed about {$6300.00} and called to asked them to refund the money because my financial situation has changed. I told them not to deduct any more money from my bank account because I couldn't afford the {$330.00} per pay period about {$680.00} per month. I want to cancel but they keep giving me the run around. I am sick of these scams. I am a senior citizen with a financial hardship and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted COMPLAINT ID XXXX on XX/XX/year> that I have been trying to resolve an address problem on my credit report for more than a year and a half, with documentation. They responded by telling me to do the EXACT SAME THING I have done multiple times, spending countless hours uploading documents, reuploading documents, waiting on hold, being disconnected, never hearing back, hearing back only to find that NOTHING has been fixed. 

Since there is no way to actually contact them to have a conversation about this, I am submitting another complaint. 

In addition, I see they have XXXX  DAYS to look into my issue. Truly amazing. XXXX more days after nearing XXXX  years of nothing solved. It's insane. There error and disdain for fixing it, is impacting my credit, my ability to do business as a small business owner, and my ability to get the best rates on a mortgage. How is this not criminal in some fashion?

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute and Request for Deletion XXXX XXXX, XXXXXXXX XXXX XXXX Dear TransUnion XXXX XXXX  XXXX I am formally disputing the reporting of the following accounts on my TransUnion credit report : XXXX XXXX XXXXXXXX XXXX XXXX Under my rights as a consumer , I am requesting the permanent deletion of these accounts from my credit report due to violations of federal laws governing the accuracy and legality of credit reporting. 

Legal Violations Supporting My Dispute XXXX. 31 U.S.C. 5118 This statute restricts obligations requiring payment in a particular form of currency, invalidating the imposition of debts in any specific medium that is not legal tender. As such, any alleged debt associated with these accounts must be verified in accordance with lawful money standards. 

XXXX. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) Furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. The reporting of these accounts contains unverifiable and inaccurate information, making them invalid. 

XXXX. 15 U.S.C. 1681e ( b ) TransUnion, as a credit reporting agency, is required to maintain the maximum possible accuracy of consumer credit reports. The continued reporting of these accounts, despite their questionable validity under federal law, is a direct violation. 

XXXX. 15 U.S.C. 1681i ( a ) ( XXXX ) I am requesting a reinvestigation of these accounts. If they can not be verified with documented proof of a lawful transaction, they must be permanently removed. 

Requested Resolution The immediate and permanent deletion of the XXXX, XXXX, and XXXX XXXX XXXX  accounts from my TransUnion credit report. 

A written confirmation of deletion within XXXX  days, as required by 15 U.S.C. 1681i ( a ) ( XXXX ). 

If TransUnion intends to continue reporting these accounts, I demand full documentation validating the legal existence of these debts in compliance with federal law. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to enforce my rights under consumer protection laws. 

I expect your prompt attention to this matter and look forward to your response within the legally required timeframe. 

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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

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