vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report. I believe that my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ). 

**Personal Information : ** - **Full Name : ** XXXX XXXX XXXX XXXX*Date of Birth : ** XX/XX/XXXX - **Social Security Number : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX La, XXXX - **Phone Number : ** XXXX - **Email Address : ** XXXX **Details of the Complaint : ** I have recently reviewed my credit report and noticed several inquiries that I did not authorize. The details of these inquiries are as follows : 1. **Company Name : *XXXX XXXX XXXXXXXX XXXX **Inquiry Date : ** XX/XX/XXXX 2. **Company Name : ** XXXX XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 3. **Company Name : *XXXX XXXX XXXX **Inquiry Date : ** XX/XX/XXXX 4. **Company Name : ** XXXX XXXX **Inquiry Date : ** XX/XX/XXXX XXXX. **Company Name : ** [ Any other relevant company ] **Inquiry Date : ** [ Any other relevant date ] I did not authorize any of these companies to access my credit report, and I am concerned that this may indicate a violation of my rights under the FCRA. I have not applied for credit with these companies, nor have I given them permission to review my credit history.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-21 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:
I am writing to formally dispute the continued inaccuracies on my credit report and improper verification by your credit bureau. Despite prior disputes, significant errors persist, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). I demand immediate deletion of the following account from my credit report : Account in Question : Account Name : XXXX & XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Account Status : Derogatory - Repossession Issue : Incorrect reporting as repossession with a XXXX balance, inconsistent payment history reporting, and unauthorized derogatory status. 

Violations and Discrepancies Identified : Failure to Investigate Accurately ( XXXX XXXX. XXXX ) : The credit bureau did not provide adequate proof or a detailed description of the investigation verifying the repossession status despite the account reflecting a {$0.00} balance. 

Inadequate Compliance Procedures ( XXXX XXXX. XXXX ( b ) ) : The continued inaccurate reporting indicates a failure in implementing proper procedures to ensure the accuracy of information reported. 

Duties of Furnishers of Information ( XXXX XXXX. XXXX ) : The furnisher of this information has not properly validated or corrected the reported inaccuracies despite prior notification and disputes. 

Transparency and Accuracy ( TILA, XXXX XXXX XXXX ) : The information provided does not meet accuracy standards mandated by law, affecting my rights and negatively impacting my creditworthiness. 

Public Law XXXX, XXXX VI, Section XXXX ( Subsections A-D ) : Your verification process did not comply with these provisions, requiring removal of the inaccurate derogatory information. 

Description of XXXX ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : Your agency has failed to provide the required description of the investigation within the statutory XXXX period following my dispute. 

XXXX XXXX ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) : You have not provided verification through original signed documentation supporting the repossession claim. 

Requested Actions : Immediate Deletion : Remove the XXXX & XXXX account immediately due to failure to verify and provide accurate documentation as required by FCRA, FDCPA, and TILA. 

Written Confirmation : Provide detailed documentation explaining the investigative methods and the original documents used for verification. 

XXXX XXXX : XXXX receipt of this dispute and complete corrective actions within 30 days, as mandated by law. 

Failure to comply with this request will result in filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

Thank you for promptly addressing and correcting this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XX/XX/XXXXas mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXX/XX/XXXXXXXX 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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Deb Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). North Carolina Collection Agency Act ( N.C. Gen. Stat. 58-70-1 ) Debt Validation Request under Regulation F & FCRA To comply with federal regulations, I request that you provide : Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

Debt Verification : Breakdown of the debt amount, including principal, interest, fee, and other charges as required under 12 CFR 1006.34 ( c ).

Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it.

Itemized Date : Provide the specific reference date you used in your itemization ( such as the last statement date. Etc.

Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

Proof of Permissible Purpose : Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ).

Cease Collection Until Validation is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

Credit Reporting Requirements : If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 168 1s-2 ( a ) ( 3 ).

If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.

I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

NEXT STEPS Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts.

Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: KS

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed false late payments with Experian for the second time, yet they have failed to correct the error despite being legally required to do so under FCRA 1681i ( a ) ( 1 ) ( A ).

Under FCRA 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must verify or delete disputed information within 30 days. 
If a consumer disputes the same item for a second time with new relevant information, the credit bureau must complete the reinvestigation within 15 days. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. LA XXXX XXXX I have never been late on these accounts, and Experian has no permissible purpose under FCRA 1681b to report these false late payments. 

Experian has also failed to provide documented proof from the original creditor verifying these late payments. Since this is my second dispute, the bureau is now required to resolve this matter within 15 days instead of 30 days.

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 2025-03-21 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: TX

Complaint narrative:
I am writing to you for the second time to dispute the presence of unverified information on my credit report, as stipulated in 15 U.S.C. 1681c-2. The following accounts have been reported in my credit history without the creditors providing legitimate debt validation. I am once again attaching a copy of my FTC Identity Theft Report ( Report XXXX : XXXX ) as evidence to support my request for the immediate removal of these records. 

Accounts to be removed due to lack of debt validation : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} NCB Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} According to the law, credit bureaus are obligated to verify reported information and remove any account that has not been properly validated. Since no legitimate documentation has been provided to support these accounts, I demand their immediate removal. 

Inaccuracies Found in the Reports and FCRA Violations : Failure to verify debt requirements : I have not received any contract or signed document proving that these accounts belong to me, which constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ). 

Inconsistencies between credit bureaus : These accounts show discrepancies in the reports from XXXX, XXXX, and Equifax, including differences in last activity dates, balances, and account statuses. This contradictory information fails to meet the obligation to maintain accurate data as required by the FCRA ( 15 U.S.C. 1681e ( b ) ).

Reporting closed accounts as open : Some accounts appear as open in one credit bureau and closed in another, negatively impacting my credit score. 

Maintaining accounts in a " charge-off '' status without justification : Creditors have not demonstrated that these accounts are valid, yet they continue to report them in a way that negatively affects my credit. 


I am attaching a copy of my identification, my FTC report, and the credit reports where these accounts appear for your review. 

I expect a prompt response as required by law. If a resolution is not provided within the stipulated time, I will proceed with the appropriate legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

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 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 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 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX account number Dear law Office of XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report. Specifically, there are incorrect dates, inaccuracies and addresses listed under my credit report reported by the National credit system collection. Please see the details below for my inaccuracies and the laws that were illegally broken on behalf of myself. The law office responded to a complaint on XX/XX/XXXX stating that the original creditor and current creditor is XXXX  at XXXX apartments that is incorrect, on my credit report the collection sold to answer column is empty but the company listed and titled is National Credit Systems ( XXXX ) This collection is reporting under the name of National credit systems which is a collection company that attempts to collect debt. This collection is open with XXXX and closed by XXXX and XXXX so there for it must be fair and accurate all across the bureaus the system is not bias if the information is inaccurate it must be removed.According to FCRA ( Fair Credit Reporting Act ) there must be approval from my permission to display items on my credit report. 15 USC 1681a states that the term consumer report does not include a report in which a person was contacted by third party.Dealing with this matter am contacting you because the date this collection was open is incorrect, the date inserted by the law office of XXXX XXXX was XX/XX/XXXX that is incorrect the date should be my move out date which is XX/XX/XXXX or there should be a fair investigation.The FDCPA applies only to the collection of debt incurred by a consumer primarily for personal, family, or household purposes.Debt Collectors That Are Covered The FDCPA defines a debt collector as any person who regularly collects, or attempts to collect, consumer debts for another person or institution or uses some name other than its own when collecting its own consumer debts. According to the code of law the law office of XXXX XXXX XXXX is a collection company or company who collects debt on another institutions behalf The definition includes, for example, an institution that regularly collects debts for an unrelated institution, such as an institution that, under a reciprocal service arrangement, solicits the help of another in collecting a defaulted debt from a customer who has moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I received a {$100.00} AMEX gift card ending in XXXX from a vendor that our company uses. I've gotten these Amex Gift Cards for the past few years. Every time I get them there are more and more issues with the cards. These cards work at fewer and fewer places. However, in the past I would purchase an XXXX gift card and use it that way. That was a fail safe way to use them. This time I tried to purchase a gift card and it wouldn't work. I tried various amounts even as low as {$9.00} and nothing worked. Then I tried to purchase an item for {$22.00} on XXXX directly and it was declined so XXXX just processed my regular credit card in lieu of the gift card. Finally I tried to put it into my XXXX wallet and it wouldn't load. I attached screenshots of all of these attempts. Then I went to a store and at XXXX 's they tried to manually enter it in the store and it wouldn't work. Finally I called Amex on XX/XX/year>. They attempted to assist me in getting the card into my XXXX wallet and it didn't work for them either. They assume one is dumb and makes typos. I said all the numbers out loud and they knew that I did it correctly and it wouldn't work. They claim the card is active and so they can't do anything. I can also see the amount online. It shows a 10 cents transaction which is what XXXX charge me to try and put the card into the google wallet, even though it failed to load. So the active amount is {$99.00}. However there is nowhere on XXXX 's green earth that I can use this card. I asked them to send me a plastic card instead but they said they can't do that. Basically they don't care if their cards don't work. It's a huge scam. They need to be fined and they need to send me a {$100.00} gift card that works! The people in customer service at Amex are in other countries and one can hear babies crying and dogs barking in the background. That's how little they care about their customers. Amex used to be a respectable company. Now they are total garbage. I got rid of my Amex credit card years ago. They ripped me off of {$100.00} and they need to reimburse me.

Company response to consumer: Closed with explanation