vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3300.00}, opportunity Financia Account # : XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$380.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$150.00}, possible XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$110.00XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, onemain Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}. Inquiries 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Subject : Formal Dispute and Cease & Desist Request Against Caine & Weiner I am submitting a formal dispute and cease-and-desist request against Caine & Weiner, a third-party debt collector, for attempting to collect an alleged debt with which I have no contractual agreement. Their actions violate federal and South Carolina state laws, and I request immediate intervention by the CFPB. 

Basis for Dispute : No Agreement with Caine & Weiner I have never entered into a contractual agreement with Caine & Weiner regarding any debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations.

Failure to Validate the Debt Under 15 U.S. Code 1692g, I have the right to request debt validation, yet Caine & Weiner has failed to provide proper documentation proving I owe this debt.

Violation of South Carolina Debt Collection Laws According to South Carolina Code 37-5-108, unfair and unconscionable collection practices are prohibited. Caine & Weiners continued attempts to collect without validation fall under unfair practices. 

Harmful and Inaccurate Credit Reporting If this debt has been reported to credit bureaus, it violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, which mandates accurate reporting of information by furnishers.

Cease and Desist Request Under 15 U.S. Code 1692c ( c ), I am formally requesting that Caine & Weiner cease all communications with me regarding this matter and delete any reference to this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit reporting act AFFIRM INC with the account 1. XXXX 2. XXXX and 3. XXXX has violated my rights. 

15 USC 1681 Section 602 state 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 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for and pourpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute a matter concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. 

I discovered that [ Equifax, TransUnion and Experian have been giving me credit reporting errors. The accounts of [ XXXX, XXXX. XXXX XXXX and XXXX XXXX XXXX ] have credit report errors. I believe this action constitutes a violation of the FCRA, as it indicates negligent noncompliance with the obligations set forth for credit reporting agencies.

According to 15 U.S. Code 1681o, any entity that fails to comply with the FCRA in a negligent manner may be held civilly liable for damages incurred as a result. It has come to my attention that [ insert specific details of how the company failed to comply with the law, e.g., not addressing a dispute, providing inaccurate information, etc. ]. 

I kindly request that you investigate this matter promptly and provide a resolution. I expect written confirmation regarding the steps you will take to rectify the situation. Additionally, I would like to know how you plan to prevent such negligence in the future. 

Please let me know if you require any further information from my end. I look forward to your prompt response to this serious matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-01 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute a matter concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. 

I discovered that [ Equifax, TransUnion and Experian have been giving me credit reporting errors. The accounts of [ XXXX, XXXX. XXXX XXXX and XXXX XXXX XXXX ] have credit report errors. I believe this action constitutes a violation of the FCRA, as it indicates negligent noncompliance with the obligations set forth for credit reporting agencies.

According to 15 U.S. Code 1681o, any entity that fails to comply with the FCRA in a negligent manner may be held civilly liable for damages incurred as a result. It has come to my attention that [ insert specific details of how the company failed to comply with the law, e.g., not addressing a dispute, providing inaccurate information, etc. ]. 

I kindly request that you investigate this matter promptly and provide a resolution. I expect written confirmation regarding the steps you will take to rectify the situation. Additionally, I would like to know how you plan to prevent such negligence in the future. 

Please let me know if you require any further information from my end. I look forward to your prompt response to this serious matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went online XX/XX/XXXX to cancel account. No option was provided. When I called the automated assistant transferred to to a wait queue. 

I should not have to waste my time canceling a credit card I didn't sign up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: U.S. BANCORP
State: PA

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX, US Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  has taken several hard inquires out on all XXXX of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all XXXX of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of XXXX  to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times

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 2025-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX, XXXX Bank, Bank of America, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  has taken several hard inquires out on all XXXX of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all XXXX of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXX of XXXX  to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times

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 2025-04-01 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Please promptly eliminate the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and do not know their origins. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your examination. Furthermore, each bureau reports varying account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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 a victim of identify theft which has left me feeling vulnerable in distress fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit I am determined to take the necessary steps to clear my name and protect my identify and restore my financial wellbeing. I kindly request thta you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibility. I appreciate any support and assistance in overcoming these unfortunate experience.

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 2025-04-01 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-01 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: WA

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 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 2025-04-01 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: WA

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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding Experian/TransUnion and the debt collector XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX ). 

This account was previously deleted from my credit report after a prior dispute because it was unverifiable. However, it has now been reinserted a year later, without any notification or re-investigation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. 

The alleged debt originated from XXXX, a company that has since filed for bankruptcy and is permanently out of business. I reached out to XXXX for verification, and they were unable to verify the account or my identity due to their closure. Therefore, there is no valid way for this account to have been re-verified, let alone lawfully reinserted. 

Despite this, Experian/TransUnion has re-reported the collection, which constitutes : Failure to notify me in writing within 5 business days of re-reporting per 1681i ( a ) ( 5 ) ( B ) Failure to maintain maximum possible accuracy under 1681e ( b ) Failure to delete unverifiable data per 1681i ( a ) ( 1 ) Liability for negligent and willful noncompliance under 1681n and 1681o I am demanding immediate permanent deletion of this account from all credit files, as well as regulatory enforcement and penalties against the parties responsible. Supporting documentation, identity verification, and proof of address are attached.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding Experian/TransUnion and the debt collector JEFFERSON CAPITAL SYSTEMS ( Account # XXXX ). 

This account was previously deleted from my credit report after a prior dispute because it was unverifiable. However, it has now been reinserted a year later, without any notification or re-investigation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. 

The alleged debt originated from XXXX, a company that has since filed for bankruptcy and is permanently out of business. I reached out to XXXX for verification, and they were unable to verify the account or my identity due to their closure. Therefore, there is no valid way for this account to have been re-verified, let alone lawfully reinserted. 

Despite this, XXXX has re-reported the collection, which constitutes : Failure to notify me in writing within 5 business days of re-reporting per 1681i ( a ) ( 5 ) ( B ) Failure to maintain maximum possible accuracy under 1681e ( b ) Failure to delete unverifiable data per 1681i ( a ) ( 1 ) Liability for negligent and willful noncompliance under 1681n and 1681o I am demanding immediate permanent deletion of this account from all credit files, as well as regulatory enforcement and penalties against the parties responsible. Supporting documentation, identity verification, and proof of address are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute a matter concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. 

I discovered that [ Equifax, TransUnion and Experian have been giving me credit reporting errors. The accounts of [ XXXX, XXXX. XXXX XXXX and XXXX XXXX XXXX ] have credit report errors. I believe this action constitutes a violation of the FCRA, as it indicates negligent noncompliance with the obligations set forth for credit reporting agencies.

According to 15 U.S. Code 1681o, any entity that fails to comply with the FCRA in a negligent manner may be held civilly liable for damages incurred as a result. It has come to my attention that [ insert specific details of how the company failed to comply with the law, e.g., not addressing a dispute, providing inaccurate information, etc. ]. 

I kindly request that you investigate this matter promptly and provide a resolution. I expect written confirmation regarding the steps you will take to rectify the situation. Additionally, I would like to know how you plan to prevent such negligence in the future. 

Please let me know if you require any further information from my end. I look forward to your prompt response to this serious matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief