vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I recently viewed a copy of my consumer credit report and noticed several inaccuracies that are significantly injurious to my credit rating and my ability to obtain new credit. The following accounts listed below have been CLOSED and CHARGED OFF for quite some time ; however, they have continued to update and report as charged off every single month. This constitutes an update in payment history. A closed/charged off account does NOT have an active payment history. A charge-off should only be reported ONCE. This inaccurate information on my credit report falsely manipulates the statute of limitations, which is a violation of my rights. Therefore, I am requesting that you IMMEDIATELY REMOVE the following accounts from my credit report. 

XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX A Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number 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 2025-05-05 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: ME

Complaint narrative:
I recently viewed a copy of my consumer credit report and noticed several inaccuracies that are significantly injurious to my credit rating and my ability to obtain new credit. The following accounts listed below have been CLOSED and CHARGED OFF for quite some time ; however, they have continued to update and report as charged off every single month. This constitutes an update in payment history. A closed/charged off account does NOT have an active payment history. A charge-off should only be reported ONCE. This inaccurate information on my credit report falsely manipulates the statute of limitations, which is a violation of my rights. Therefore, I am requesting that you IMMEDIATELY REMOVE the following accounts from my credit report. 

XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX A Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I am writing to formally request the removal of a XXXX  XXXX account with a {$590.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 

Furthermore, FCRA 609 and 611 state that if disputed information can not be verified within XXXX  days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated XXXXday timeframe. 

Failure to comply with this request may result in legal action. FCRA 616 and 617 grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 

I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 

If this matter is not resolved within XXXX  days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am unsure of when the card was opened to allow the credit card to be sent to a debt collector. The credit card is offered to me in the past but I paid out of pocket for dental services. I will need more information because I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX 3. copy of identification 4. Copy of my social security I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The account in question are : 1- XXXX XXXX 2- XXXX XXXX 3XXXX XXXX XXXX 4- XXXX XXXX 5- XXXX XXXX 6XXXX XXXX XXXX XXXX  XXXX 7- XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft. Several accounts were fraudulently opened under my name as well as hard inquiries in the process of opening fraudulent accounts despite my proactive measures of freezes with the credit agencies. 

XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, 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 2025-05-05 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: NY

Complaint narrative:
I was a victim of identity theft. Several accounts were fraudulently opened under my name as well as hard inquiries in the process of opening fraudulent accounts despite my proactive measures of freezes with the credit agencies. 

XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to book an appointment with a XXXX  through XXXX. I was redirected to XXXX XXXX for confirmation and payment. 

I entered my Bank of America card information but did not click Next or submit any confirmation. Despite that, {$60.00} was immediately charged to my card. 

I canceled the appointment  right afterward, and no services were delivered. 

I contacted the company but received no help. This charge is unauthorized and should not have gone through. 

I request Bank of America investigate and reverse this charge.

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 2025-05-05 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, 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 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 2025-05-05 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A XXXX XXXX credit card account was opened in my name without my knowledge or consent. I first became aware of it after reviewing my credit report, which showed payments made during XXXX. I did not open this account or make those payments. At that time, I only had a checking account with XXXX XXXX XXXXXXXX and no credit cards. 

I contacted the creditor ( XXXX XXXX ) and requested details of the purchases and where the items were shipped, but they failed to provide this information. The account was then sold to Portfolio Recovery Associates, who began debt collection attempts. I have disputed the debt and requested formal validation. 

I am filing identity theft reports and pursuing legal action to remove this fraudulent account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
The 2 disputes dont reflect what the loan terms and balance are

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Hello, I have 3 issues so i wasnt sure which selection to use on the form. 

This credit card company Indigo ( when I first opened the account has Rebranded to Concora now ) maliciously imposed a $ XXXX monthly fee on my account without properly disclosing it or obtaining my consent. This fee was never a part of my original agreement or terms with Indigo when I opened the account in 2018. I have maintained excellent payment standing never missed a payment, never carried a balance for years and never paid or agreed to pay a recurring {$3.00} maintenance or service fee. 

To suddenly see this charge on an account I do not actively use is suspicious and feels deceptive. I contacted the company on two separate occasions to dispute the charge and the resulting negative mark on my credit report. Both times, they refused to take corrective action. Most recently, I explicitly requested in writing that the account either be corrected or closed. They failed to do either. Despite asking for the account to be closed, they continue to charge me and report this fee, which I never agreed to, This conduct amounts to deceptive trade practices and is a direct violation of the Truth in Lending Act ( TILA ). Charging fees without clear disclosure and then damaging a consumers credit for a fee that was never agreed upon is unlawful and completely ridiculous. Additionally, their representatives continue to pressure me to keep the account open, despite my repeated, documented requests to close it when i call via telephone, im given the run around and many reasons why i should keep this account. I do not wish to do business with a company of such.

I am requesting immediate investigation and corrective action : 1. Remove the unauthorized $ XXXX monthly fee 2. Delete the negative late payment from my credit reports 3. Close my account as I have repeatedly requested in writing and by phone This companys conduct is unethical, negligent, and legally questionable, and I ask the CFPB to investigate them accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX {$11000.00} XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, LA, 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 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-05 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: UNITED STATES MINOR OUTLYING ISLANDS

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 2025-05-05 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$320.00} XXXX # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$140.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief