vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I previously notified Experian of unauthorized inquiries on my credit report and submitted an FTC Identity Theft Report as supporting evidence. However, Experian responded by stating that the inquiries were verified, yet failed to provide any explanation or proof of how this verification was conducted. Under the Fair Credit Reporting Act ( FCRA ), inquiries must have a permissible purpose, such as for employment, insurance, a court order, or a firm offer of creditnone of which apply in this case. Furthermore, in XXXXXXXX XXXX XXXXXXXX, the court ruled that credit reporting agencies must conduct a proper and reasonable reinvestigation of disputed information rather than simply relying on automated responses. Given Experians failure to properly verify these inquiries, I formally request the immediate removal of the following inquiries within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 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:
I RECENTLY APPLIED FOR A XXXX XXXX MORTGAGE AND WAS ADVISED FROM MY LOAN XXXX THAT HE CAN NOT APPROVE MY LAONS, BECAUSE THERE ARE XXXX MEDICAL COLLECTIONS REPORTING ON MY CREDIT REPORT. I FOUND OUT THAT I AM A VICTIM OF IDENTITY FRAUD AND SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN MEDICAL SERVICES FRAUDULENTLY. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO I HAVE ANY KNOWLEDGE ON THE ACCOUNTS BEING FRAUDULENTLY REPORTING ON MY ACCOUNT.

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 2025-03-11 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: GA

Complaint narrative:
XXXX and XXXX of 2025 reporting late payments. This is also stating that a balance of XXXX due and delinquent. This is inaccurate and was reported XXXX. I am writing to formally dispute inaccurate information on my credit report and I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request through investigation into these inaccuracies, as required by law.

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 2025-03-11 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: MI

Complaint narrative:
My credit has been compromised. I was apart of the Equifax data breach. Please see attached documentation to see any additional information needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 2025-03-11 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. 

XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/year> -- {$3600.00}

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank is crazy they closed all my credit cards for no reason they claim Im a risk to them when I havent even used the cards I was recently approved for a bjs card and they also closed it I dont know whats wrong with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EdFinancial Services
State: AZ

Complaint narrative:
My XXXX report say that I have a loan of {$9500.00} from EDFINANCIAL. I have no knowledge about this company or the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
This notice is to inform you that Jefferson Capital is in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail. Because you have violated my consumer rights, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to protect my rights as a consumer. An additional complaint was filed also with The Consumer Financial Protection Bureau to further disclose your business practices. 



Failure to comply will result in legal action taken against Jefferson Capital System for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The Texas Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from your company, RMP LLC, for what is purported to be a medical debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Immediately remove this collection from all credit reporting agencies if you are unable to verify its legitimacy and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2025-03-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX 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 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account is not mine. Tried calling the original creditor, no information provided.

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 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 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: NY

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

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 2025-03-11 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: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Criminal Complaint XXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: PA

Complaint narrative:
I am filing a complaint against XXXX XXXX for failing to correct an inaccurate eviction record on my rental screening report, despite clear evidence that it should have been removed. 
I disputed an incorrect eviction record, and Asurint, the third-party verification company, confirmed in writing on XX/XX/year>, that the record was removed. 
Asurint sent the updated report to XXXX twice, most recently on XX/XX/year>, at XXXX AM. 
Despite this, XXXX refuses to update my rental report, falsely claiming they never received the correction. 
I have resubmitted my dispute multiple times and received email confirmation from XXXX that they received my documents, yet they still will not correct my report. 
XXXX is unlawfully forcing me to file a new dispute, which is a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

How This Has Harmed Me : I have been denied housing because of this false eviction record.

This has caused me emotional distress and financial hardship due to delays in securing housing. 

What I Want : XXXX must immediately remove the inaccurate eviction record. 
They must provide written confirmation that my report has been corrected. 
I seek compensation for the stress and financial harm caused by this issue. 

XXXX is in clear violation of the FCRA, and I request urgent intervention from the CFPB.

Company response to consumer: Closed with explanation