vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
This account that was sold to your company from XXXX  was opened fraudulent. I did not have any business with XXXX at all I am going through somethings right now with my information being stolen from the XXXX data breach. I reached out a while back requesting that this information be disputed cause how is upgrade sailing my information when I never consented to a account with the company. I don't think I was heard properly last time while i tried to dispute this with a XXXX letter, but no action is being taken the company still saying i owe when I'm screaming identity theft. I did not authorize tis account or consent to anything i ask that this account be disputed off my account as the XXXX  days have been over, I gave as much time as possible. My lawyer would be in contact of this matter if it continues to have a hold on my life due to theft, I have no choice but to take legal actions and have my lawyer reach out to this company. I do have a police report in place at this time cause not only this account there's multiple out there. Thank you! please dispute as soon as possible XXXX  days been up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed this falsely reported XXXX loan many times with Experian. They only ask the lender if the information is correct and immediately take their response at face value. They have reported the loan with XXXX XXXX XXXX as open, as active, as closed and back again. I have repeatedly informed them of the VIN number of the vehicle being in someone else 's name for the past XXXX  years. XXXX did investigate the account and removed it. Experian wants to sell me their XXXX tool for {$250.00} per year that gives me the ability to monitor my accounts and for lack of better words be taken more seriously. They gave me listed as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others and refuse to remove the names I have never gone by. They report me as retired and will not recognize that I am employed and have been for over XXXX  years. They show addresses that they refer are addresses I have given to creditors that were false. The truth if they would allow me to dispute is there are addresses on the list that either were work addresses or mailing addresses but they infer that I use them as physical addresses which is untrue. They have locked me out of being able to dispute anything online anymore because of complaining on them. Yet if I pay them XXXX a year I can do that. I feel they only want to get money from those of us that have problems with their credit report and if we don't pay they don't put any effort into correcting errors. This credit bureau alone has caused me to be denied loans, credit cards etc because as some of the lenders report to me they feel I am giving them false information due to the Experian report. XXXX mailing address in particular which was a XXXX mailbox that I used when my physical address mailbox was being replaced, they said that I was using the address of a XXXX  business falsely as my address. The company they refer to is the address of a XXXX XXXX and the XXXX  business had used my box before I got it. This is how careless and vengeful this reporting agency is UNLESS I want to pay them {$250.00} per year. I am asking that they be forced into following the lead of XXXX and remove the XXXX XXXX account and the false names and addresses that they have alleged are mine and allow me to dispute online like the rest of the country. They should be fined and have to pay damages to people like me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 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: DE

Complaint narrative:
Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 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 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 2025-03-11 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: MI

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove all negative items off my credit report

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Dear To whom it may concern, I am writing to formally dispute the charge-off reported on my credit file for Account XXXX After reviewing my credit report, I noticed that this account has been marked as charged off, and I believe this information is inaccurate and requires immediate correction. 

According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, verifiable, and fair. I am requesting that you provide the following : Proof of the validity of the debt Provide documentation verifying that this debt belongs to me and was accurately charged off. 
A detailed payment history Include all transactions and evidence of any payments that may not have been properly applied. 
Proof that proper procedures were followed If the account was reported incorrectly or prematurely charged off, I request that it be corrected or removed. 
If you can not provide proper documentation proving the accuracy of this charge-off, I request that it be immediately deleted from my credit file with all credit reporting agencies. 

Please consider this letter as a formal dispute under the FCRA. I request a written response within 30 days of receipt of this letter. If you fail to provide evidence supporting the validity of this charge-off, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

I appreciate your prompt attention to this matter. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I had fraudulent loans put into my name that damaged my credit. Transunion said that I had to sign over 50 % of my patents to XXXX in order for them to fix my credit and said they only care about big companies as I am a peasant. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX  and XXXX XXXX  Fix my credit immediately and block account or I'll go in and spread some XXXX  love.

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 2025-03-11 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:
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, 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 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 '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
Consumer complaint received 2025-03-11 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: CA

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 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 2025-03-11 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:
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 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 2025-03-11 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: TN

Complaint narrative:
Experian has failed to fulfil 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, 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 has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian '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
Consumer complaint received 2025-03-11 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: NJ

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 2025-03-11 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: NC

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXXXXXX XXXX XXXX XXXXXXXX XXXX  : Balance : {$1700.00} : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : Balance : {$130.00} : Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : Balance : {$180.00} : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Balance : {$110.00} : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$400.00} : Opened : XX/XX/XXXX 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 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 I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

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 2025-03-11 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: MO

Complaint narrative:
It has come to my attention that my personal information has been exposed in the XXXX data breach. Upon reviewing my credit reports I notice many accounts and inquiries that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the XXXX data breach, and a validation of debt letter.

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 2025-03-11 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time frame. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable account below : XXXX XXXX XXXX Dismissed Date Filed/Reported : XX/XX/year> Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time frame. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable account below : XXXX XXXX XXXX Dismissed Date Filed/Reported : XX/XX/year> Reference # : 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, DC XXXX Subject : Debt Validation Request under the FDCPA Dear Consumer Financial Protection Bureau Representatives, I am writing to formally request debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Recently, I was contacted by THE BUREAUS INC, regarding an alleged debt in my name. Under my rights granted by the FDCPA, specifically Section 809, I am requesting written verification of the following : Confirmation of the existence and the exact amount of the debt. 
Identification of the original creditor, including their name and address. 
A record of the chain of ownership of the debt, if it has been sold or transferred. 
Proof that the debt collection agency is legally authorized to collect this debt. 
To comply with this request, I ask that you provide the following documentation within 30 days of receiving this letter : A copy of the original contract bearing my signature. 
Detailed account statements supporting the claimed amount. 
Documentation proving the legal transfer of the debt to the collection agency ( if applicable ). 
Any other records validating your right to collect this debt. 
Until I receive this information, I do not acknowledge this debt nor intend to cooperate with the collection agency regarding it. If validation is not provided within the legal timeframe, I will assume the debt is invalid and reserve the right to take appropriate legal action to protect my consumer rights. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marcadis Singer PA
State: FL

Complaint narrative:
This letter is a formal request for debt validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting strict proof that this debt is valid, legally enforceable, and that your company has the proper authority to collect it. 

At this time, I am not refusing to pay, but I will not make any payment unless and until you provide full validation of this alleged debt. 

See attached letter in it's entirety

Company response to consumer: Closed with explanation