vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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:
Subject: Dispute of Unauthorized Collection Account on My Credit Report
Dear Sir/Madam,
Pursuant to my rights under the Fair Credit Reporting Act (FCRA), specically Sections 611 (15 U.S.C.  1681i) and 
609 (15 U.S.C.  1681g), as well as the Fair Debt Collection Practices Act (FDCPA), specically Section 809 
(15 U.S.C.  1692g), I am writing to dispute the following collection account that appears on my recent credit 
report:
XXXX XXXX XXXX XXXX
Account Number: XXXX 
Amount: XXXX 
Date of Account: XXXX  I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this 
account and remove it from my credit report as soon as possible.
In accordance with the FDCPA, specically Section 809 (15 U.S.C.  1692g), I request validation of this debt. Please 
provide me with veriable proof that this debt belongs to me.
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA 
and FDCPA

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 2025-02-25 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$3700.00} Date of Account : XX/XX/2021 I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-02-25 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: NY

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$9000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion on Monday, XX/XX/year>, on or around XXXX pm or XXXX pm PST. I spoke to a male supervisor in XXXX XXXX. His name sounded like XXXX. He confirmed TransUnion received my Federal Trade Commission Identity Theft report 5 business days ago. He said it will be a 30 day investigation. I asked him to block the fraudulent tradeline pursuant to the federal Fair Credit Reporting Act section 605 B. He refused and said thats not how it works and it has to be a 30 day investigation. He said TransUnion does not block fraudulent tradelines and only the data furnisher can. This is a false and misleading statement. In addition, he was rude and continued to interrupt after I asked him not to. This is egregious. Please block the fraudulent SUNBIT charge-off tradeline that is the result of identity theft/fraud. I am a victim of identity theft including the XXXX data breach. I seek to hold TransUnion accountable for certain federal and state consumer law violations. If this item is not blocked from my credit file, I will retain an attorney and file a complaint with my attorney generals office to consider a multi-district class action lawsuit if this a pattern and practice with TransUnion. Criminal and civil claims will be pursued.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes. 
Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law.

Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through XXXX XXXX Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CO

Complaint narrative:
I recently discovered multiple unauthorized accounts on my credit report, indicating potential identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are seriously impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue immediately.

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 2025-02-25 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 recently discovered several unauthorized accounts on my credit report, indicating potential identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely impacting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue without delay.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Account was open st wells fargo without my knowledge and products was signed up for such as credit repair and theft identity fraudulent I called to get the paperwork to show me who opened the account when the account was opened and a breakdown of the account they denied me the paperwork they sent me a check last year for {$250.00} which I believe that is not enough compensation for opening up a bank account in my name without my knowledge or up or opening up other products from their bank without my knowledge

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 2025-02-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me with all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of GEORGIA along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me with an updated copy of my credit report upon completion of your investigation. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I emailed XXXX  requesting to have my XXXX access to my external bank account revoked and they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have accounts on my credit that I know where not put on there by me. I asked to kindly remove. No action was taken on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
I have contacted the three three buerues by mail and by email and there has been not progress over a month now of them not taking down these faduelnts accounts and I would like them to move of this accord

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 2025-02-25 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:
Subject : Dispute of Unauthorized Collection Account on XXXX Credit Report Dear XXXX XXXX XXXX to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-02-25 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through XXXX XXXX or XXXX is just too much of a hassle Thanks for gettin me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I am submitting this complaint to formally challenge the errors in my credit report and request compensation from Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further substantiated by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes Experian 's failure to thoroughly investigate consumer disputes and its improper reinsertion of incorrect information into consumer reports. 

The following discrepancies in my credit report demand prompt correction or removal : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX : {$0.00}

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 2025-02-25 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CO

Complaint narrative:
I recently discovered several unauthorized accounts on my credit report, suggesting possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely affecting my ability to achieve important financial goals, such as buying a home and providing for my family. I urge you to address this issue without delay.

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 2025-02-25 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: MO

Complaint narrative:
On my credit report, there is a late payment from XXXX XXXX. This late payment should be deleted due to the following violation : Additionally, my rights have been violated under 15 U.S. Code 1666b, which mandates that creditors must provide a billing statement at least 21 days before the payment due date. This law explicitly states : " A creditor may not treat a payment as late for any purpose unless the creditor has transmitted a statement to the consumer at least 21 days before the payment due date. '' I never received such a notification from XXXX XXXX, and as a result, the late payment reported on my account is inaccurate and must be deleted immediately. Since I did not receive the proper notice, any negative reporting based on this late payment is unlawful and should be rectified without delay. 
Failure to comply with this request will leave me with no choice but to pursue legal action against your company for violating federal consumer protection laws. Under the law, noncompliance can result in substantial penalties, and I am prepared to enforce my rights through all available legal avenues if necessary. If XXXX claims that they provided me with such a statement, then they have to provide viable proof of this, such as a tracking number. A failure to provide this information that they complied with the law before reporting this alledged late payment is crucial. Since they didnt comply with this law, then this late payment must be updated to pay as agreed. The law clearly states that this statement must be physically delivered to me.

Company response to consumer: Closed with explanation