vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
Name : XXXX XXXX Social Security : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall 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. 
Remove Non mailing fraudulent addresses listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Unauthorized Fraudulent Accounts Listed Below : FCRA XXXX - XXXX ( XXXX ) Opened XXXX XXXX, XXXX, Credit Card Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law - XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX, XXXX - FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC XXXXB. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLAND CREDIT XXXX Date opened XX/XX/year> Balance {$700.00} Status Collection account. 

I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS According to 15 USC XXXX C, you have violated my rights by unlawful communications. Please remove this from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: NV

Complaint narrative:
here are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX All reported on my Experian credit report. These must be removed according to 15 USC 1681 c

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 2025-03-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX All reported on my Experian credit report. These must be removed according to 15 USC 1681 c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: DE

Complaint narrative:
My personal information was exposed on a data breach associated with XXXX XXXX XXXX. Information like my name, surname, date of birth, addresses, cities, zips, phone numbers, and social security found on the dark web. Risk is medium to high and can show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Innnovs I request amount that debt was sold to XXXX XXXX XXXX amount they state is wrong they pay pennies on a dollar to buy account I request the original purchase amount of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Yesterday I was mislead by an entity known as Affirm Inc that I was approved for a {$700.00} line of credit for use in purchasing goods from XXXX. Turns out I didnt qualify at all and that an unexplained " down payment was required to finance this purchase that exceeds the maximum available amount. I dont know what, if anything, this means nor do I recall anyone saying anything about a down payment or for how much. 
Affirm traffics in false advertising as well as fraud and so does XXXX Bank and XXXX. I was told this inquiry would not affect my credit score. It better not.

My credit score is in the high XXXX ( about XXXX ) so Im unable to figure out what the problem is. The reasons given from other banks and loan companies, like XXXX XXXX and XXXX XXXX is that I have insufficient credit history, too many hard inquiries and too many recent inquires. I think it is about time that the banks and the credit reporting bureaus started to define what a sufficient credit history is ; what is the definition of recent is and why hard inquiries put a black mark on your credit report and decrease your credit score. 

I have long believed that the banks and the credit bureaus conspire to limit the credit pool by freezing out even people with a reasonably high credit score. Who makes the call that a consumers credit cards are too many or too recent. I have exactly XXXX credit cards, XXXX secured and XXXX unsecured with a paltry {$300.00} credit limit. 

These offers are a way of luring consumers to take actions that will harm their credit score. This is conspiracy and the CFPB should sanction and fine these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXXXX Status : Charged off with a balance of {$2300.00} On XX/XX/year>, I sent a certified mail request to XXXX XXXX XXXX requesting a copy of the XXXX Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required XXXXday timeframe. 

Reason for Immediate Removal : XXXX. Failure to Provide Required Documentation : The creditor has not supplied a XXXX form, which would indicate that the debt was canceled and should no longer be reported as owed. 
XXXX. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within XXXX days of my certified request, continued reporting of this charge-off is unlawful and must be corrected. 
XXXX. Failure to Report Correctly : If a XXXX was issued, the account should be marked as canceled with a {$0.00} balance. If no XXXX was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.

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 2025-03-02 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Status : Charged off with a balance of {$2300.00} On XX/XX/year>, I sent a certified mail request to XXXX XXXX XXXX, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe.

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 
2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected. 
3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Status : Charged off with a balance of {$2300.00} On XX/XX/year>, I sent a certified mail request to XXXX XXXX XXXX, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe.

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 
2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected.

3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.

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 2025-03-02 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: KY

Complaint narrative:
Name : XXXX XXXX Social Security : XXXX Date Of Birth : XX/XX/XXXXXXXX  Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX KY XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall 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. 
Remove Non mailing fraudulent addresses listed below : XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law - XXXX ( XXXX ) Opened XXXX XXXX, XXXX, Credit Card Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2025-03-02 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: KY

Complaint narrative:
Name : XXXX XXXX Social Security : XXXX Date Of Birth : XX/XX/XXXXXXXX  Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX KY XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall 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. 
Remove Non mailing fraudulent addresses listed below : XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law - XXXX ( XXXX ) Opened XXXX XXXX, XXXX, Credit Card Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determine to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history, or responsibility. I appreciate any support and assistant in overcoming this unfortunate experience. 

Thank you in Advance, 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 2025-03-02 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a complaint to the CFPB under Complaint ID XXXX regarding an unauthorized XXXX XXXX  account. Despite providing an FTC report as evidence, Equifax improperly verified the account, while both XXXX and XXXX rightfully removed it. Additionally, there is an unauthorized XXXX  account that Equifax initially deleted but later reinserted, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, if a previously deleted item is reinserted into a credit file, the credit bureau is required to notify the consumer in writing within five days of reinsertion. I have not received any such notification, meaning Equifax has failed to comply with federal law. Given these clear violations, I formally request the immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, Acct ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief