vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CAINE & WEINER COMPANY, INC.
State: CA

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 XXXX XXXX XXXX RE : Cease and Desist Collection Activities Account Number : XXXX Dear : CAINE & WEINER Subject : Request for Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing in response to your [ letter/call ] dated [ date of contact ] regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation of this debt. I do not acknowledge ownership of this debt and request that you provide the following information : The name and address of the original creditor.

The amount of the debt, including an itemized breakdown of any fees, interest, or charges added. 

A copy of the signed agreement or contract that verifies my responsibility for the debt. 

Documentation that you have the legal authority to collect this debt. 

A record of any payments made on the account, if applicable.

Under the FDCPA, you are required to cease all collection activities until you have provided me with proper validation of this debt. Failure to comply with this request may result in legal action.

Additionally, I request that all future communication regarding this matter be conducted in writing. If you report this debt to any credit reporting agencies without proper validation, I will consider this a violation of the FDCPA and will pursue legal remedies as necessary. 

Please respond within the 30-day timeframe as stipulated by law. Failure to respond adequately will be taken as confirmation that you are unable to validate the debt, and you must cease collection efforts immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX  ( Finance ) XX/XX/2024 XXXX XXXX ( Finance ) XX/XX/2024 XXXXXXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 {$1200.00}

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 2025-03-12 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: AZ

Complaint narrative:
My personal info was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - XXXX, Bal- {$5400.00} Date opened : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Bal- {$770.00}, opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX- XXXX, Bal- {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$500.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$700.00}, opened : XX/XX/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 2025-03-12 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Under the Fair Credit Reporting Act ( FCRA ), I request that this matter be thoroughly investigated and that the inaccurate charge be removed from my credit report immediately. This dispute falls under Experian dispute code 16810 ( Balance Discrepancy - Incorrect Amount Due ), as the amount reported does not reflect my actual financial responsibility.

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 2025-03-12 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: KS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to complain about Experian. I have been unable to log on to Experian 's website for several months. I have tried calling and have never gotten anyone to help me. In the rare cases that I get to a representative at Experian, they tell me that everything is fine with my account and that there may be a lock due to multiple attempts to access the website. They asked me to wait XXXX XXXX and reset my password online. I have done this at least 5 times over the past 6 months and have never been able to resolve the issue or access my credit report or details online. 

I have never had such terrible customer service from any service or company like this. Other services, such as XXXX or XXXX, do not have such problems with access to my credit report, history, etc. 

Due to this, I can not monitor my credit effectively, and there is no reprieve in sight. I have spent hours upon hours on hold calling Experian to get this resolved and have even tried to escalate this issue. Still, they have either just cut off the line after several hours of being on hold and waiting for a representative or supervisor, or the person who does answer can not help me resolve the issue and asks me to wait for XXXX XXXX and try again. I am frustrated with this issue and Experian and am at my wit 's end. Please help me resolve this issue!

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried tirelessly to get Transunion to investigate a matter on my credit report. It is for an unjust and highly disputed debt that a debt collector refuses to validate. I have repeated attempted to exercise my rights under state and federal laws to have this account investigated, but I can not even get them to acknowledge my dispute or take me serious. I have received one letter from Transunion stating they did not believe it was me who sent in my dispute correspondence, which I promptly responded to and even called them to clarify. To this date, I have not received a notice of investigation results or anything to suggest they took my dispute serious. 

I am disputing the XXXX XXXX XXXX- account number # XXXX in the amount of {$3400.00} for sendora ranch. Please realize this debt collector as also repeatedly ignored my requests to validate this debt that, this balance is disputed and I do not owe it. 

Also the account with XXXX XXXX, account # XXXX - this creditor agreed to delete this account from my credit report when I paid it, but here we are 1 year later still being on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 have not supplied proof under XX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under XX/XX/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 2025-03-12 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted complaints XXXX and XXXX to CFPB, against XXXX and Barclays Bank Delaware, respectively XXXX The issue was improper use of my XXXX credit report ( a hard inquiry ) dated XX/XX/XXXX. In its response ( dated XX/XX/XXXX ) XXXX refused to remove the hard inquiry and referred me to Barclays Bank Delaware instead. In its response ( dated XX/XX/XXXX ) Barclays Bank Delaware acknowledge that there was fraud involved and stated that a request has been submitted to the consumer reporting agencies for the removal of the associated hard inquiry. Barclays Bank Delaware also stated, Please allow up to 60 days for the update to be processed by the consumer reporting agencies and reflected on your credit bureau report. Today, XX/XX/XXXX, ( after 60 days had elapsed ), I pulled my XXXX credit report from the annual credit report.com website. The hard inquiry was still on there.

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 2025-03-12 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: OK

Complaint narrative:
Disputed multiple accounts multiple times and the credit bureaus- Experian, Equifax, and transunion have NOT corrected the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OK

Complaint narrative:
Disputed multiple accounts multiple times and the credit bureaus- Experian, Equifax, and transunion have NOT corrected the inaccuracies.

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 2025-03-12 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On Friday XX/XX/XXXX I got off a ship in XXXX, headed to the hotel. I received a fraud alert on my account and was told to call. I called citizens bank and a recording said to press 1 for a call back. Which I did. They called and said I had multiple fraudulent transactions pending asking me which was the last transaction I made. I said I think he said dont think sign into your account and be sure. And from there cleaned out my account. The bank was aware of phone number spoofing and other things when I actually talked to them. They should be responsible for protecting their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has shielded itself from getting direct contact to them. They have 3 numbers, 2 of which an autobot runs you in circles since no live agent ever comes to phone before the bot disconnects you! The 3rd number asks endless questions to be allowed to wait, finally for a live agent. After 22 mins I gave up. This group is incompetent. I was forced to log in, gave them email address XXXX XXXX XXXX to which they turned around and dug up another email account these fools kept soliciting me to open, that I had to file a complaint to get Experian to cease pursuing! That acct got started by me clicking a link from my credit card company gave me. The problem currently is THEY have merged 2 employment companies, that are separate from each other and that I have no way to amend. They've also taken 1 address and turned it into 2 addresses. Their website is inefficient to address these 2 issues, EVERYTHING is on automatic. I can not even access my own report, because Ive never been given a dispute id. I despise this company they are wretched excuses for a credit reporting group.

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 2025-03-12 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding Comenity Capital Bank / MyPlace Rewards failure to provide a 1099-C Cancellation of Debt form as required by the IRS or to take corrective action regarding the debt reported on my credit file. 

On XX/XX/year>, I sent a formal written request via certified mail to Comenity Capital Bank / My Place Rewards requesting that they either : Provide a 1099-C form since the debt had been canceled or forgiven, or Permanently delete the debt from my credit report if they were unable to provide the required form. It has now been well over 30 days, and I have not received any response from Comenity Capital Bank / My Place Rewards. They have neither provided the 1099-C form nor made any adjustments to my credit report. This lack of response is preventing me from resolving this matter properly.

Per IRS regulations, if a creditor writes off a debt of {$600.00} or more, they are required to issue a 1099-C form for tax purposes. Comenity Capital Bank / My Place Rewards has failed to do so while still reporting the debt on my credit report, which is both unfair and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
I recently viewed a copy of my credit report and I noticed fraudulent accounts. These account are holding me back from obtaining credit.

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 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof underXX/XX/XXXXXXXX. 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 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief