vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball , Tirey & St. John LLP has failed to comply with debt validation requirements under FDCPA 1692g ( b ), FCRA 1681s-2 ( b ), and Californias Rosenthal Act ( Cal. Civ. Code 1788.17 ). Despite my repeated formal disputessent via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, with five tracking numbers in totalthe firm has not provided any legally required validation. Their XX/XX/XXXX response fails to include any documentation, sworn affidavit, tracking logs, or actual evidence that the alleged validation was sent or received. 

As of today, the first dispute has remained unanswered for 157 calendar days. Continued reporting of the debt to credit bureaus without validation constitutes unlawful collection activity, per the Ninth Circuits ruling in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), which holds that credit reporting can be used to pressure repayment and therefore qualifies as collection. 

The company continues to cite XXXX XXXX Credit Bureau and XXXX XXXX XXXXXXXX to argue that actual receipt is not required. However, these cases do not excuse noncompliance once a consumer has actively disputed the debt and denied receiptat which point the burden shifts to the collector to verify their claims with evidence. No such evidence has been produced in over five months.

This pattern of behavior is not limited to one incidentit has continued across three separate CFPB complaints. I am requesting that the Bureau escalate this matt
er beyond routine complaint handling.

Requested Actions : - Initiate enforcement action under 12 U.S.C. 5531 ( a ) - ( b ) for willful noncompliance - Refer the matter to the California Department of Financial Protection and Innovation for review under RFDCPA - Instruct the firm to cease reporting the disputed tradeline immediately - Compel production of full debt validation documentation, including mailing logs and sworn affidavits

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX Date of Inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX Date of Inquiry XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$8900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: WA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-28 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: WA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-28 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$250.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MN

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 2025-03-28 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: MD

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$4500.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1300.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX  Account Opened : XX/XX/XXXX Account name : Darcarsbow Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX Account opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XX/XX/XXXX 6.Account name : XXXX XXXX Account opened : XX/XX/XXXX 7.Account name : XXXX  Account opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$4500.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1300.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX  Account Opened : XX/XX/XXXX Account name : Darcarsbow Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX Account opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XX/XX/XXXX 6.Account name : XXXX XXXX Account opened : XX/XX/XXXX 7.Account name : XXXX  Account opened : 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 2025-03-28 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XXXX XX/XX/year> until XXXX XX/XX/year> my checking account have happened fraud charges total amount is {$6700.00} USD. 
my debit card was lost when the charges happened. 
this is unauthorized charges. 
Please refund the amount to me.

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 2025-03-28 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: ID

Complaint narrative:
My father opened a credit card under my name without my consent to be accepted for card eligibility. He maxed out card limit. Due to this it has negatively affected my score. Disputed twice with Experian and was denied both times. I had XXXX remove me as authorized user on card. They have yet to remove the rating from my account. 
I want the XXXX account completely removed from my credit reporting and all history tied to that account. Again, I did not consent, authorize or agree to opening or putting my name on this card.

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 2025-03-28 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: CA

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a cashiers check for over {$300000.00} from XXXX into my account at Bank of America in XXXXXXXX XXXX on XX/XX/XXXX. After multiple calls to BofA, I was informed on XX/XX/XXXX that the funds may not be available until XX/XX/XXXX due to verification processes. This money was being held in trust by an attorney and when I reached out to her about the hold, she checked with her XXXX branch and got the following response : " ..The funds disappeared from my office 's XXXX account on Tuesday morning ( XX/XX/XXXX ) the moment my branch generated the cashier 's check. That mechanism is why it should clear immediately, due to banking laws around cashier 's checks ... XXXX removed the funds from my office 's XXXX account on Tuesday morning. You deposited a check that can only be legally generated if the funds have been removed from the origination account ... '' Although the bank indicated that an immediate transfer would be possible through wire transactions, this option was not feasible due to limitations on the amount and additional charges for each transaction over multiple days. While wiring might increase efficiency, it seems unreasonable for me to incur extra costs for this purpose. 
It is troubling that banks can defer access to my deposited funds while generating revenue from investments during the interim period.

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 2025-03-28 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:
I am writing to bring to your attention an issue regarding an unauthorized credit inquiry that has been made under my name. I want to be clear that I never gave consent for this company to pull my credit report.

Company response to consumer: Closed with explanation