vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXX Inquired on XX/XX/scrub>XX/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 explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX XXXXXXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XX/XX/XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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 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, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00}

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 explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XX/XX/year> {$13000.00}. I contacted the bank to ask why I didnt get the longer plan I was told I was going to. I didnt even get a receipt for it. My vet always gives me one. I just thought maybe it was different for a plastic surgeon office. No one even mentioned a 6 month plan to me. It was supposed to be a lot longer than that. So I asked the customer service person and he said that they have no control over what the dr office offers. They make their own rules. I said well what plans were available to me then at that time. He said that he has absolutely had no idea what plans are available. Which I find funny they are listed right on there webpage 6 12 18 and 24 were available for my charge. I then asked who can help me correct this. No one at the bank can whic again I find funny. I worked in banking for XX/XX/XXXX. Someone there knows what finance options were available to me at the time. He said all banks have there own unique ways of doing business. Im not sure of the exact term. I told him at that point no they dont all banks are highly regulated and they all have to follow them. You dont get to just make up the rules as you go. He said the dr office is the one who sets the terms the bank doesnt. I asked if there was someone else I could talk to he told me to call back tomorrow. All I want to know is why I was not provided any information on the promotion I was set up with and why they said it was a much longer promotion not 6 months. Plus why doesnt the bank know what offers they have available. Ridiculous he just didnt want to do his job. I did tell him I would complain and he said go right ahead. This was the care credit card managed by synchrony bank. Apparently my vet know more about the plans available then the bank does. They they accept and outright told meXX/XX/XXXX andXX/XX/XXXXXX/XX/XXXX depending on how much the bill is and XXXX would definitely qualify for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I am filing this non-duplicative complaint against XXXX XXXX XXXX and Weltman , Weinberg & Reis Co., LPA for their failure to provide proper validation of a debt I dispute. On May 25, 2025, I received a " validation '' from Weltman consisting only of account statements, lacking forward flow agreements, securitization documents, or any evidence establishing the debts legitimacy. This debt, associated with a XXXX account, is invalid as I question its origin and accuracy. I previously requested validation, but this response falls short of legal requirements, causing ongoing financial harm.

Inadequate Validation : The statements from Weltman do not include forward flow agreements, securitization documents, or proof of my liability, rendering the " validation '' insufficient under the law. 
XXXX XXXX : XXXX, as the creditor, has failed to ensure proper documentation, allowing Weltman to pursue an unverified debt.

Impact : This disputed debt harms my credit score and causes XXXX as it remains unresolved despite my efforts.

Prior Actions : This complaint is distinct from prior CFPB complaints ( # XXXX, # XXXX, # XXXX ) and recent filings against XXXX and XXXX, focusing solely XXXX XXXX and Weltmans validation failure. 
Legal Violations : FCRA 1681s-2 ( b ) : XXXX must investigate disputes and correct inaccurate data ; failure to provide proper documentation violates this section. 
FDCPA 1692g : Weltman must provide full validation ( e.g., original agreement, chain of title ) within 30 days of my dispute ; statements alone are inadequate, per Green v. XXXX XXXX XXXX XXXX ( XXXX, Virginia XXXX XXXX XXXX, Record No. XXXX ). 
FDCPA 1692e : Misrepresenting statements as validation is a false representation, supporting damages.

FCBA 1666 : I dispute this as a billing error ; lack of proper validation requires correction.

FTC Act 5 : Pursuing an unvalidated debt is an unfair practice.

Ohio CSPA ( ORC 1345.02 ) : Deceptive collection practices by Weltman and XXXX  oversight violate Ohio law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KEYCORP
State: OH

Complaint narrative:
I am filing this non-duplicative complaint against KeyBank National Association and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for their failure to provide proper validation of a debt I dispute. On XX/XX/XXXX, I received a " validation '' from XXXX consisting only of account statements, lacking forward flow agreements, securitization documents, or any evidence establishing the debts legitimacy. This debt, associated with a KeyBank account, is invalid as I question its origin and accuracy. I previously requested validation, but this response falls short of legal requirements, causing ongoing financial harm. 

Inadequate Validation : The statements from XXXX do not include forward flow agreements, securitization documents, or proof of my liability, rendering the " validation '' insufficient under the law. 
XXXX XXXX : KeyBank, as the creditor, has failed to ensure proper documentation, allowing XXXX to pursue an unverified debt. 
Impact : This disputed debt harms my credit score and causes distress, as it remains unresolved despite my efforts. 
Prior Actions : This complaint is distinct from prior CFPB complaints ( # XXXX, # XXXX, # XXXX ) and recent filings against XXXX and XXXX, focusing solely on KeyBank and XXXX validation failure. 
Legal Violations : FCRA 1681s-2 ( b ) : KeyBank must investigate disputes and correct inaccurate data ; failure to provide proper documentation violates this section. 
FDCPA 1692g : XXXX must provide full validation ( e.g., original agreement, chain of title ) within 30 days of my dispute ; statements alone are inadequate, per Green v. XXXX XXXX XXXX XXXX ( XXXX, Virginia XXXX XXXX XXXX, Record No. XXXX ). 
FDCPA 1692e : Misrepresenting statements as validation is a false representation, supporting damages.

FCBA 1666 : I dispute this as a billing error ; lack of proper validation requires correction. 
FTC Act 5 : Pursuing an unvalidated debt is an unfair practice.

Ohio CSPA ( ORC 1345.02 ) : Deceptive collection practices by XXXX and KeyBanks oversight violate Ohio law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-26 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: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
Not my account... please remove from all 3 credit bureaus. Have disputed this issue with XXXX XXXXXXXX XXXX and Equifax... still listed on my credit bureau account. Needs to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
Not my account... please remove from all 3 credit bureaus. Have disputed this issue with Experian, XXXX XXXX and XXXX... still listed on my credit bureau account. Needs to be removed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MD

Complaint narrative:
In reviewing my credit report, I discovered multiple inaccurate and unauthorized items that appear to be the result of identity theft. 

XXXXXXXX XXXX is reporting XXXX late payments on an account I do not recognize or authorize. 
XXXX XXXX XXXX XXXX a collection account for {$2000.00}, which I have no knowledge of. 
There are XXXX unauthorized hard inquiries from the following companies made between XX/XX/year> and XX/XX/year> : Bank XXXX XXXX XXXX Card ( multiple entries ) XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed several old or incorrect addresses listed on my credit file that I never lived at or that no longer apply. I submitted a formal dispute letter to all three credit bureaus under my rights granted by 15 U.S.C. 1681c-2 and included an FTC Identity Theft Report, my ID, and proof of address. 

I am requesting that all unauthorized accounts, inquiries, and addresses be permanently removed or blocked, and that the companies involved comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Despite my submission of the required documentation, the items have not yet been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I got any email about a loan supposedly as if I just filled out an application but got denied. I took a screenshot and so Ive had a lot of identity theft issues I try to resolve the problem with TransUnion they refuse to do anything even after I showed them proof. They are in violation of so many ( F.C.R.A. ) Fair Credit laws as me as a consumer. I pray my ear my credit worthiness back. What Im proving you guys to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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