vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
A Letter of Intent to File Banking Fraud Charges was written/sent to XXXX XXXX XXXX the President/CEO and received on XX/XX/year>. 

The reporting agencies fail to validate " debts '' repeatedly and refuse to submit the signed Contract and the Purchase Agreement. They also fail to provide their method of reporting, even though specific demands have been made. XXXX XXXX nor Equifax provides a FULL and corrected report either. 

They are in violation of the FDCPA and I demand these " debts '' be removed immediately along with the negative, nonconsensual inquiries. 

If XXXX XXXX, EQUIFAX, EXPERIAN AND CFPB refuse to delete these, they will be added to the lawsuit in a Federal Court for aiding and abetting and 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 2025-02-14 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: CT

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX, XXXX, CT XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX Employers : XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-02-14 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: CA

Complaint narrative:
I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over 30 days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within 30 days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really stressing me out.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed information on my credit report that was not fixed. I also called requesting that this information be taken off of my credit report and then a updated credit report be sent to me and that did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Heres the updated version : For the past year and a half, I have repeatedly disputed this rental debt collection with the credit bureaus, but my disputes have been unsuccessful. After exhausting those options, I decided to send a debt validation letter directly to Capstone Credit and Collection. They received my certified letter on XX/XX/year>, requesting proof of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite their legal obligation to respond within 30 days, I never received any validation of the debt. Instead, I only discovered that the collection was still being reported when I checked my credit report. 

This collection has made my life extremely difficult. My fianc and I lost our home due to XXXX XXXX flooding and have been in temporary FEMA housing under a reduced rent program. That contract ends in XXXX, and I have been repeatedly denied housing due to this collection. If this issue is not resolved, I will be left without a place to live. 

Because Capstone failed to validate this debt within the legally required timeframe, it should be immediately removed from my credit report to prevent further harm to my ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX, XXXX, CT XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX Employers : XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-02-14 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: CT

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX, XXXX, CT XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX Employers : XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions 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.

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 ( A ) ( 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.

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 2025-02-14 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 


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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have been sending money to my XXXX in XXXX since XXXX when I found out my XXXX had XXXX XXXX XXXX. I was only sending money to his wallet. When I got XXXX in XXXX, in the XXXX XXXX, I transferred {$150.00} to my brother-in-laws business account. I dont know if I was shut down because I was in the XXXX XXXX or what the issue is. I just know that my account was closed for violating community rules and I dont know which rule I violated. This statement is too broad and vague. I want to know specifically which one one the community rules I broke and allow me to rectify it. Recently I am being denied the ability to even open accounts at online services because of my age because I am a high risk for scams. Im a XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX but I am not stupid and I am tired of being discriminated against because XXXX XXXX are stupid enough to give away their life savings. Not every XXXX XXXX is scam material.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATTN : Midland Credit Management XX/XX/XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation To whom this may concern, I am writing to formally dispute the debt referenced by the account number [ XXXX ], which your agency is currently attempting to collect. I believe this information is inaccurate and must be corrected. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of the debt. Specifically, I ask that you supply a copy of the signed contract or agreement. Please include a copy of my signature, as I have no recollection of agreeing to such terms or entering into any agreement with your agency. I have already requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : Midland Credit ManagementXXXX XXXX Account Number : XXXX Amount : {$790.00} I request a thorough investigation of this account and a correction of the information on my credit report.

Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account.

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 want to formally dispute and seek the removal of certain hard inquiries listed on my credit report that were made without my consent. After reviewing my credit report, I discovered hard inquiries associated with these lenders have accessed your credit file 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 XXXX XXXX XXXX XXXX  As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know who is accessing their credit reports. According to Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report only for specific permissible purposes, including the consumer 's written instructions or requests. In this case, I want to make it clear that I did not authorize or give consent to these companies to access my credit report. 

Moreover, under Section 609 of the FCRA, I am entitled to dispute the accuracy of information contained in my credit report. The inquiries in question are affecting my credit score adversely and do not reflect any accounts or transactions associated with me. Since there were no agreements or prior notifications regarding these inquiries, I kindly request that you investigate these matters and remove them from my credit report as soon as possible. 

Additionally, I would appreciate receiving a written confirmation of the actions taken regarding my request, as well as an updated copy of my credit report after the corrections have been made. 

Thank you for your attention to this matter. I genuinely appreciate your assistance in maintaining the accuracy and integrity of credit records.

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 2025-02-14 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Experian 's failure to report multiple active and legitimate credit accounts on my credit report. These accounts have not been disputed or marked as fraudulent, yet Experian has not included them in my file. 

Details of the Issue XXXX XXXX XXXX XXXX XXXX XXXX  This account is active and in good standing. 
I have made consistent payments, and my balance as of my last statement is {$140.00}. 
Despite this, Experian is not reporting this account on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is also active and has not been disputed or closed. 
My XX/XX/year>, statement confirms its open status. 
It is missing from my Experian credit report, negatively impacting my credit history. 

XXXX XXXX XXXX XXXX XXXX  This is an open and active account with a current balance of {$29.00}. 
My XX/XX/year> statement confirms its reporting with other bureaus. 
Despite regular payments and no disputes, Experian is not reporting it. 

Why This Is a Problem Experian is inaccurately reporting my credit history, which affects my credit score, utilization rate, and financial opportunities. 
If Experian had conducted a proper investigation, they would have confirmed that these accounts belong to me and are in good standing. 
I was not notified of any dispute process or investigation that led to the exclusion of these accounts.

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 2025-02-14 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: NC

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
They wrongfully ended my account for no reason due to unprofessional agents I tried to file a claim and they hung up on my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NC

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I am writing to bring to your attention inaccuracies on my credit report. There are multiple addresses listed that I have never lived at, and my current address, where I have resided for the past four years, is not included. This incorrect reporting is impacting my credit profile.

Additionally, there are too many variations of my name listed, with only one being spelled correctly. I previously attempted to file a dispute regarding this personal information, but my request was denied.

I would appreciate your assistance in resolving these issues, as they are affecting my credit standing.

Thank you for your attention to 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