vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Dear Midland Credit Management, I am writing to formally notify you that you violated the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 by failing to respond to my debt validation request dated [ Date of Original Request ]. 
On [ Date of Original Request ], I sent you a formal request to validate the debt associated with the account referenced below. Under the FDCPA and FCRA, you must verify the debt, including the original contract and a detailed account of the amount owed. Despite the legal requirement to respond, you failed to provide any requested documentation within the allowed timeframe. Violation of Federal Law Under 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must cease all collection efforts until proper debt validation has been provided. You have violated my rights under this statute by failing to respond to my request. Furthermore, under 15 U.S.C. 1681s-2 ( b ) of the FCRA, a data furnisher must conduct a reasonable investigation upon receiving notice of a dispute from a consumer. Your failure to provide validation or documentation supporting the validity of this debt demonstrates noncompliance with this requirement. 
Immediate Action Required Due to your failure to comply with federal law, I demand the following immediate corrective actions : 1. Immediately delete the account with all credit reporting agencies from my credit report. 
2. Cease all collection activities related to this debt unless and until you provide proper validation as required by law. 
3. A written statement confirming the deletion and cessation of all collection efforts within 15 days of receiving this letter. 
Failure to comply with this request will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Additionally, I will pursue legal action for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful and negligent non-compliance with the FCRA. 
Please consider this letter a final attempt to resolve this matter amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a savings account with Citibank so I may do a swift wire transfer : I am buying a XXXX XXXX XXXX XXXX XXXXXXXX. Citi performed an ACH and withdrew money from my personal account ( at another bank ) and added it to the newly opened savings. Days later Citibank froze my account. I have been trying unsuccessfully to have it unfrozen. They keep sending me on wild goose chase, transferring my calls, refusing to escalate to someone who may provide me with the relevant information. Ultimately they hang up the phone, when I ask to speak to a supervisor.

It seems they are interested in keeping my money fronzen. As this is a savings account, I should be provided with access on demand. I even went to a branch with valid ID, and CITI refused to help. The branch I went to was XXXX XXXX XXXX XXXX Ny 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 2025-03-16 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 

The following two XXXX XXXX accounts on my credit report are the result of identity theft and should be blocked immediately : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XXXX Balance : {$1600.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/scrub>XXXX  Balance : {$890.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 

The following two XXXX XXXX accounts on my credit report are the result of identity theft and should be blocked immediately : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XXXX Balance : {$1600.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/scrub>XXXX  Balance : {$890.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Synchrony Bank due to improper debt handling, inaccurate credit reporting, and potential violations under the Fair Credit Reporting Act ( FCRA ).

This account was sold or reassigned, and I was never properly notified or given documentation of the transfer. However, the original creditor continues to report a charge-off and delinquency, even though they may no longer own the debt.

Additionally, I have disputed this account with the credit bureaus, and Synchrony Bank has failed to provide proper validation that they still have legal rights to collect or report this debt.

Under the FCRA, Synchrony Bank is responsible for ensuring that my credit report reflects only accurate and legally verified information. Since this account was sold or reassigned, they must either provide full documentation proving ownership or remove the charge-off immediately. 
I request that the CFPB investigate the following : 1 Whether Synchrony Bank can legally verify that they still own this debt.

2 Whether they followed proper procedures when selling or transferring this account.

3 Whether this account should be removed from my credit report if it can not be properly verified.

This is a violation of my consumer rights, and I request immediate corrective 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-16 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
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 Subject XXXX Dispute of Unauthorized Credit Inquiry Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute an unauthorized inquiry on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I have identified an inquiry from [ Name of Company or Entity ] that I did not authorize, as I never provided written consent for them to access my credit report or furnish my information. 

According to the FCRA, consumer reporting agencies are required to ensure that any party requesting a consumer report has a permissible purpose and proper authorization. I request that you provide documented proof of my written consent authorizing this inquiry. If such proof can not be produced, I demand that this inquiry be removed from my credit report immediately. 

Additionally, please update my credit file to reflect this correction and provide me with a revised copy of my credit report once the erroneous inquiry has been removed.

Failure to comply with this request may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies. 

Please confirm receipt of this dispute and provide a response within the legally mandated timeframe of 30 days. You may contact me at the above address should you require any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
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 Subject XXXX Dispute of Unauthorized Credit Inquiry Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute an unauthorized inquiry on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I have identified an inquiry from [ Name of Company or Entity ] that I did not authorize, as I never provided written consent for them to access my credit report or furnish my information.

According to the FCRA, consumer reporting agencies are required to ensure that any party requesting a consumer report has a permissible purpose and proper authorization. I request that you provide documented proof of my written consent authorizing this inquiry. If such proof can not be produced, I demand that this inquiry be removed from my credit report immediately.

Additionally, please update my credit file to reflect this correction and provide me with a revised copy of my credit report once the erroneous inquiry has been removed.

Failure to comply with this request may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies.

Please confirm receipt of this dispute and provide a response within the legally mandated timeframe of 30 days. You may contact me at the above address should you require any further information. 

Sincerely, 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 2025-03-16 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I was XXXXXXXX XXXX XXXX XXXX  and someone used my personal information to open a credit card account. I was XXXX  from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Lvnv is a company representing XXXX XXXXXXXX and said they account was open in XXXX of XXXX. This account is not mine. I'm asking for a removal of this account from my report and credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had XXXX and some dollars sent out of my account to someone in Texas and explained I would've sent that kind of money to someone I don't know and they told me it would be credited back to my account but instead they denied my dispute and didn't give my money back stating wasn't no error made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EXPERIAN LP/XXXX XXXX - XX/XX/XXXXXXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements. 


I respectfully request that the CFPB conduct a thorough investigation into these unauthorized inquiries and ensure their prompt removal if no verifiable authorization documentation exists. I appreciate that my prior complaint with the FTC be considered, as I have not received an adequate response that fulfills my rights under the FCRA. Should this matter remain unresolved, I reserve the right to take additional legal action. 
Thank you for confirming receipt of this complaint and for providing a written response on the progress of the investigation within a reasonable timeframe.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the collection account reported by XXXX XXXX XXXX XXXX on my credit report, dated [ Date on Report ], under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This dispute pertains to two accounts reported by XXXX XXXX XXXX XXXX, each with discrepancies in the information provided. Despite previous attempts to dispute this account with your agency, I have seen no corrective action, and the account remains inaccurately listed as " In Collections '' with erroneous information that does not reflect my true financial situation.

FCRA Violation Failure to Correct Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to maintain accurate and complete information. XXXX XXXX XXXXXXXX XXXX XXXX accounts reported on my credit file are disputed by me under the FCRA. However, no valid response or corrective action has been taken by TransUnion, despite my clear assertion of the dispute. The FCRA mandates that upon receipt of a consumer dispute, TransUnion must investigate the dispute and provide a resolution within 30 days. Failure to comply with this standard damages the accuracy of my credit report, and by not fully investigating the dispute, TransUnion has violated my consumer rights. 

FDCPA Violation Lack of Debt Validation Additionally, these accounts are reported as " collections '', and I have requested debt validation from XXXX XXXX XXXX XXXX in accordance with the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX has failed to provide valid documentation proving that I owe this debt and that they are authorized to collect it on behalf of the original creditor. I dispute the accuracy of this debt and assert that it may not even be owed or may be incorrectly reported.

The FDCPA requires that debt collectors validate the debt upon request. Without this validation, the collection account reported by XXXX XXXX XXXX XXXX should be removed from my credit file or marked as Disputed as per the regulations. 
Damages Incurred Due to Non-Compliance The continued presence of these disputed accounts on my credit report has caused significant harm to my creditworthiness and has resulted in damages. These damages include but are not limited to : Harm to my credit score, which has a direct impact on my ability to obtain credit at favorable terms. 
Mental and emotional distress caused by the ongoing uncertainty and incorrect reporting.

Potential loss of opportunities for financing, housing, and employment, which are directly tied to my credit score and 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 non-monetary relief