vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including
but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The bank has agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. d1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-19 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
RE : Debt Validation Request Under FDCPA Account # XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt reported by your company on my credit report and to request full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ). 

This debt is being reported as a collection account related to XXXXXXXX XXXX with the following information : Debt Buyer : Midland Credit Management Original Creditor : XXXX XXXX Account Number : XXXX Balance Reported : {$530.00} Date Opened by Midland : XX/XX/XXXX Last Payment Date ( per report ) : XX/XX/XXXX Status : Collection account, {$530.00} past due as of XX/XX/XXXX I am requesting the following documentation for validation purposes : The name and address of the original creditor, as required under FDCPA. 
Youve listed XXXXXXXX XXXX, but I require a formal validation on their letterhead or signed documentation verifying the original account. 

The full amount of the alleged debt, including a complete breakdown of principal, interest, fees, and any other charges. 

Proof that your agency has the legal right to collect this debt, including a : Copy of the assignment agreement or purchase contract between you and XXXXXXXX XXXX and A chain of custody or bill of sale with identifying information linking my alleged debt to your agency. 

A copy of any judgment obtained, if applicable. 
If no judgment exists, confirm this explicitly. 

Demonstrate the applicable statute of limitations for collecting this debt in [ Insert your state, e.g., Florida ], including the last payment date used to calculate the timeline. 

Please confirm whether this debt is within or outside the statute of limitations for legal collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am escalating the issue regarding the {$900.00} promotion for my Business checking account that was opened in XXXX of this year. Despite meeting all of the stated requirements depositing {$25000.00} within the 30-day period, and making over five transactions I have yet to receive the promised bonus.

The reasons provided for not honoring the bonus are both unfounded and, in my opinion, inconsistent with the terms and conditions outlined in the promotion. I was told that the reason I didnt receive the bonus is due to two factors : 1 ) Person-to-person transactions : I was informed that my transactions did not qualify because they were person-to-person payments. This is incorrect. I did not make person-to-person payments ; instead, I transferred funds via ACH through another bank. It is not my responsibility how your system codes these transactions or how they are processed through bank-to-bank communication. I followed the instructions and made the required transactions, and I expect that to be honored. 

2 ) Balance dropping below the required threshold : Yes, my balance did drop by approximately {$45.00}, but this was due to an unexpected fee applied by US Bank, which no other bank imposes. Moreover, the fee was reversed, making it clear that this situation should not affect my eligibility for the bonus.

Furthermore, I have found the terms and conditions for this promotion to be confusing. On one hand, the promotion clearly states that XXXX payments are allowed as qualifying transactions, but on the other hand, I am being told that person-to-person payments dont qualify. This inconsistency raises questions. If XXXX payments are accepted, what exactly are they considered, and how are they treated in your system? Could you please clarify your policy on this matter? 

I feel that I am being unfairly denied the bonus that I rightfully earned, and I find it difficult to avoid concluding that this situation may be part of a larger issue of non-compliance with the promotions terms

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 2025-05-19 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: GA

Complaint narrative:
In early XXXX, I discovered several accounts on my credit reports that I did not open or authorize. These include accounts from XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX. I immediately began contacting the credit reporting agenciesXXXX TransUnion, Equifax, and XXXX dispute these accounts as fraudulent. 

I also reached out directly to the creditors. Each one claimed to have completed an investigation and verified the accounts as belonging to me, yet none of them have provided any documentation supporting their conclusionsuch as signed contracts, IP addresses, or applications. I submitted a formal identity theft claim and documentation, including a police report and proof of identity, but the accounts remain on my reports.

I am now being subjected to collection efforts and credit damage based on accounts I did not authorize. I suspect my credit file may be mixed with another consumers, or I may be a victim of identity theft. Despite repeated disputes and requests for validation, I have received no proper verification from the companies involved.

I am requesting that the CFPB help facilitate full deletion of these accounts from my credit reports and ensure that any investigations conducted are transparent and documented. I also want to ensure no further collections or reporting occur based on these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I hav the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall no.

+ furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that

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 2025-05-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I hav the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall no.

+ furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I logged into my American Express account and discovered that a {$27000.00} personal loan ( account ending in XXXX ) had been fraudulently taken out in my name. The funds were disbursed to XXXXXXXX XXXX XXXX, a bank with which I have no accounts or prior relationship. 
I immediately contacted American Express. They confirmed that the loan was fraudulent, and that my credit card had also been compromised. They canceled my card and issued a replacement, assuring me that I would not be held responsible for the loan. 
At their request, I called XXXXXXXX XXXX, who confirmed that no account exists under my name or Social Security number. 
I raised two critical questions with American Express : 1. Why was a {$27000.00} loan disbursed to a third-party account with no connection to me?

2. How was the loan approved, given that I have a credit freeze in place with all major bureaus? 
They could not answer either. 
I filed a police report and a complaint with the FTC, and kept American Express informed. Despite this, on XX/XX/year>, I received a letter stating that my claim was denied. I called immediately and spoke with an agent named XXXX, who told me the funds going to an unrelated bank should invalidate the loan. He told me not to appeal and said he would take care of it then never followed up. This was the second unfulfilled promise for a callback. On XX/XX/year>, a representative named XXXX ( XXXX ID XXXX ) also committed to a callback within 23 days and never followed up. 
As of now, the fraudulent loan remains on my credit report. My credit score has dropped as a result, impacting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported to Experian for my XXXX account ending in XXXX. My credit report currently shows a 60-day late payment, which is entirely false. I have never been 30 days late, let alone 60 days, on this account. 

I made a payment on XX/XX/year>, and I have consistently paid on time. Both XXXX and XXXX reflect a more accurate history and do not report this account as seriously delinquent. 

Under the Fair Credit Reporting Act ( FCRA ), all consumer data reported to credit bureaus must be accurate, complete, and verifiable. I am requesting that Experian verify this alleged delinquency with valid documentation. If XXXX or Experian is unable to fully verify this information, I demand that the 60 AND 30-day late payment be deleted immediately from my credit report.

These types of errors have a damaging impact on my creditworthiness and should not be tolerated when they can not be substantiated.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MD

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Check was deposited without my knowledge and was not valid had my account shut down and not able to open any accounts at all no matter what bank was told they could do nothing for me was told i could dispute it years later

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 2025-05-19 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$11000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
It has come to my attention my information has been exposed in a national data breach. After reviewing my credits Ive noticed some accounts I'm unfamiliar with.I have asked the CRAs for validation of debt, however the information has not been provided.Due to my information being exposed, I Have submitted a FTC complaint reporting the information I am unfamiliar with.

Please find attached a copy of my ID, The FTC complaint, a copy of the NPD report showing my information was exposed in a national data breach and a validation of debt Letter

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