vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This letter serves as a formal demand that XXXXXXXX XXXX immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all contact with me regarding this matter. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, damaging my creditworthiness. This is a willful violation of federal law, and I intend to take legal action. 

Intent to Sue If XXXX XXXX does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will have no choice but to proceed with a lawsuit against you for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney Generals Office. Additionally, I will pursue legal action in small claims court or federal court for statutory damages, attorney fees, and punitive damages for your violations. 

Please provide written confirmation that you have received this request and that you will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you choose not to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state law.

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 2025-02-28 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: SC

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 2025-02-28 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: SC

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 2025-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX, I am writing to formally disput a fraudulent auto loan that has been reported under my name. I recently viewed my credit report and discovered that an account with account number XXXX was opened with XXXX XXXX  without my authorization. This loan was fraudulently obtained, and I have never applied for, used, or approved this account. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report. I have taken the following steps to address this matter : Filed an identity theft report. Filed a police report, and notified the credit bureaus.

I am requesting immediate removal of this fraudulent auto loan from my credit report. Per FCRA, you are required to complete an investigation within 30 days. If this fraudulent account is not removed, I will escalate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX, I am writing to formally disput a fraudulent auto loan that has been reported under my name. I recently viewed my credit report and discovered that an account with account number XXXX was opened with XXXX XXXX  without my authorization. This loan was fraudulently obtained, and I have never applied for, used, or approved this account. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report. I have taken the following steps to address this matter : Filed an identity theft report. Filed a police report, and notified the credit bureaus.

I am requesting immediate removal of this fraudulent auto loan from my credit report. Per FCRA, you are required to complete an investigation within 30 days. If this fraudulent account is not removed, I will escalate my complaint.

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 2025-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check, it said available next business day. Due to the amount and time drama waive had my account open. Now I checked and called and they said it wont be there until the XXXX I asked why the check was on hold because its coming from my other account and they said they cant tell me. This doesnt make sense. Theyre terrible. They also duplicated all of my charges 5 months ago and refused to help 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Chime Financial Inc
State: NC

Complaint narrative:
Someone keep opening up bank accounts and getting credit cards in my name who is not me Ive been finance a car for a very long time now the list just goes on and on and I cant even do that with these type of problems keep coming up so now Im trying to fix a way to fix it the best way I can

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington mortgage is predatory lender. I have been over charge, incorrect report AGAISNT, forced to refinanced and threatened with foreclosure on my home by Carrington mortgage. The are not following there own practices or va rules. This has been ongoing since the onset of covid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: I.C. System, Inc.
State: FL

Complaint narrative:
The collection thats reported on my credit report does not belong to me. This is fraud and I ask that this debt be removed from my credit report as soon as possible.

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 2025-02-28 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MOHELA
State: FL

Complaint narrative:
I want all the negative accounts removed from XXXX. 
XXXX, did not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I want all the negative accounts removed from Equifax. 
Equifax, did not do their job.

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 2025-02-28 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: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-02-28 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : Request for Debt Validation AXCSSFN/CNGO Dear Collection Agency Representative, I am writing in response to a notice I received from your company regarding an alleged debt. I respectfully request that you provide me with the necessary validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Proof of the debt : A signed agreement or contract showing I agreed to this debt.

2. Creditor Information : The name and contact details of the original creditor.

3. Itemized Account Statement : A detailed breakdown of how the alleged debt was calculated.

4. Proof of Collection Rights : Documentation showing that your agency has the legal authority to collect this debt.

5. Statute of Limitations Information : Verification that the debt is within the legal timeframe for collection in my state.

6. Any prior payments : A record of all payments made, if applicable.

Until I receive proper validation, I request that all collection efforts and reporting to credit bureaus regarding this account cease immediately. Failure to validate this debt may result in a dispute with the credit bureaus and legal action, if necessary. 
Please provide this information in writing within 30 days of receiving this letter. If you can not validate this debt, please remove any negative information related to it from my credit report and cease all further collection activities. 
This letter serves as a formal dispute of the alleged debt. I request that all future correspondence be in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
I didnt receive any letter of calls for a debt collection of {$200.00} from Eastern Revenue , Inc XXXX XXXX XXXX Pennsylvania XXXX I contacted them XX/XX/XXXX. I requested to validate debt owed, they stated its from XXXX XXXX XXXX my previous XXXXXXXX XXXX I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX for my degrees to be sent to me and they informed me of {$200.00} owed to bursar. I requested for validation on the phone but did not sign or begin payments in XXXX. In fact the university decided to restart the statute of limitations in XX/XX/XXXX. I did not receive any letter notice but my credit score dropped on XXXX XXXX and the {$200.00} was sent to collections. I did not agree to start payments but inquired because I wanted my degrees to be mailed to me and XXXX XXXX XXXX illegally restarted statute of limitations debt collection in XXXX, which I am aware is four years in Pennsylvania. I enrolled in XXXX XXXX XXXX in XXXX and graduated XXXX then the University restarted the statute of limits in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: OH

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: SC

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 2025-02-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-02-28 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I disputed that this account is reporting 30 days late on XX/XX/year> in the payment history section. It's making this account look as if it's not paid. Which it paid and closed. But the payment history section makes this account appear as if I still owe. I asked XXXX XXXX XXXX to correct this. They claim that this account is accurate. I would like for a removal of this account. It appears as if I still owe and I don't.

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 2025-02-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-28 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: NY

Complaint narrative:
Im frustrated by the errors on my report that are unfairly dragging down my scores and limiting my opportunities. These mistakes have already caused setbacks that I shouldnt have to deal with.

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