vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that there are fraudulent accounts on my reports. They affect my ability to obtain credit. Please delete all fraudulent accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IN

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 explanation
Consumer complaint received 2025-05-08 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: IN

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 2025-05-08 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and legitimacy of any disputed information within 30 days of receiving this notice. In cases where the disputed information stems from a data breach, the FCRA further requires that such data be deleted or blocked within 4 business days. If you are unable to validate the information, you are required by law to remove it from my credit report. 

I have submitted a notarized affidavit affirming that my credit report includes fraudulent accounts and unauthorized inquiries. Based on this sworn declaration, I request that you take immediate action to remove or block the disputed entries to prevent further harm and ensure compliance with federal law. 

Should you fail to verify the disputed information and continue reporting it in violation of the FCRA, I will have no choice but to pursue legal remedies, including actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, a copy of this statute is enclosed. This provision authorizes me to file a legal claim in any appropriate federal or state court, including small claims court.

I expect a prompt and lawful resolution of this matter in accordance with your legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-08 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: WA

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 non-monetary relief
Consumer complaint received 2025-05-08 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glennon Law Firm, LLC
State: GA

Complaint narrative:
I am filing this complaint against Glennon Law Firm LLC for attempting to collect a debt that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name without my knowledge or authorization.

When I became aware of the fraudulent activity, I immediately filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and took the appropriate steps to protect my identity, including placing fraud alerts on my credit reports and submitting a police report. I also provided Glennon Law Firm with a copy of the FTC Identity Theft Report, along with supporting documentation proving the account is not mine.

Despite this, Glennon Law Firm has continued its collection efforts and has failed to validate the debt or remove any reporting from my credit file. Their ongoing actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and they are causing unnecessary harm to my credit and emotional distress.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Glennon Law Firm LLC ceases all collection efforts related to this fraudulent debt and that my rights as a consumer are protected. I also have a letter from XXXX agreeing to delete the debt. They also sent a lawsuit to an address I no longer live at no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate item currently appearing on my credit report. The account in question is being reported by XXXX XXXX. I believe this entry is incorrect, as I have never entered into any contract or agreement with this company, nor have I authorized them to report any debt in my name. 

Because there is no valid basis for this account, XXXX XXXX does not have the legal authority to list it on my credit file. This inaccurate reporting is unjustly damaging my credit score and overall financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request an immediate investigation into this matter. I am also requesting the removal of this erroneous item from my credit report, as it is not valid and should not be associated with my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have been receiving letters ( at least 4 ) in the mail from Midland Credit Management , Inc about a debt that I allegedly had on an account with XXXX XXXX XXXX XXXX XXXX ( original creditor ) in the amount of {$1000.00}. The account charged-off on XX/XX/XXXXXXXX  and sold to MCM for collection. The date of default was XX/XX/XXXX. I never have any account with XXXX XXXX XXXX XXXX Im not sure if this is a spam or a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
This year in XXXX of XXXX, I have noticed several items I never authorized and are unknown to me listed on my credit report. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or the misuse of my personal information. The fraudulent accounts to be BLOCKED and deleted are : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXXXXXX XXXX XXXX XXXX - Account number : XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  Additionally, the following are FRAUDULENT INQUIRIES on my credit report that are also part of this FRAUD and identity theft that I had no involvement with : XXXX XXXX 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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems has reported a collection account to my XXXX XXXX XXXX XXXX credit files stating that I owe {$250.00}. Credit Systems has no legal right to attempt to collect a debt. There is no debt owed. Credit Systems has not validated any alleged debt nor sent me a notice of collection. Credit Systems placement of a derogatory file on my credit reports is a violation of the FCRA. 

With that said I am in request of ALL contractual documents stating and proving that I am legally responsible for this account and that I agreed to and legally authorized with signature the alleged debt that Credit Systems is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this formal complaint to request a full account audit and supporting documentation for three JPMCB CARD accounts currently being reported to XXXX, which are negatively affecting my credit profile. These accounts are reporting as charged off and reflect high balances, but lack transparency regarding their timelines and payment histories. I am auditing all three simultaneously and request answers to the following questions for each individual account. 

Please provide the following information and documentation for each JPMCB CARD tradeline listed below : Account # XXXX Balance : {$13000.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$13000.00} Account # XXXX Balance : {$29000.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$29000.00} Account # XXXX Balance : {$5700.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$5700.00} I am not currently disputing the accounts ; this is a formal audit and information request under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$140.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX  Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
b'I am filing a complaint against XXXX XXXX XXXX and the credit bureaus (XXXX, Experian, and XXXX) for failing to comply with the FCRA regarding two accounts reported on my credit report with balances of XXXX  and XXXX, delinquent since XXXX XXXX charged off in XXXX XXXX and closed in XXXX XXXX XXXX XXXX XXXX I filed a direct dispute with XXXX XXXX via Certified Mail, requesting validation of these accounts. I sent follow-up Certified Letters on XXXX XXXX XXXX, which were delivered on XXXX XXXX  and XXXX XXXX tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed receipt during a call on XXXX XXXX XXXX  and stated they sent responses on XXXX XXXX XXXX XXXXXXXX XXXX XXXX received five letters from XXXXXXXX XXXXXXXX on XXXX XXXX XXXX but they were all computer generated form letters, boilerplate responses with no proper FCRA approved means of validation under the FCRA (15 U.S.C.  1681s-2(a)(8))XXXX XXXXThe letters did not include the original credit agreements, the letters did not include complete payment histories, or itemized statements to substantiate the balances, charge-off, or reported information. Instead, they provided generic statements and one-page mini-summaries severely lacking sufficient evidenceXXXX also filed disputes with the credit bureausXXXX XXXX XXXX XXXX, I disputed the accounts with Experian, but they upheld them on XXXX XXXX XXXX in a one-day investigation that I believe was inadequate under the FCRA (15 U.S.C.  1681i(a)(1)). Experians results listed the same account number for both accounts, indicating a merging error.XXXX XXXX XXXX XXXX I filed disputes with XXXX  and XXXX, citing inconsistent reporting (e.g., highest balances varying between XXXX XXXX XXXX conflicting statuses like Paid, Closed vs. Charged off) and the merged accounts issue. Responses are due by XXXX XXXX XXXX XXXX  failure to verify the accounts means they must cease reporting them to the credit bureaus. The credit bureaus failure to remove these unverified accounts violates the FCRA (15 U.S.C.  1681i). These accounts continue to harm my credit, labeled as Potentially Negative with a significant negative impact. I request that the CFPB investigate XXXX XXXX inadequate response and the credit bureaus failure to remove the unverified accounts, ensuring compliance with the FCRA.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
XXXXI am filing a complaint against XXXX XXXX XXXX and the credit bureaus (XXXX, XXXX, and Equifax) for failing to comply with the FCRA regarding two accounts reported on my credit report with balances of XXXX and XXXX, delinquent since XXXX XXXX charged off in XXXX XXXX  and closed in XXXX  XXXX XXXX XXXX XXXX, I filed a direct dispute with XXXX XXXX via Certified Mail, requesting validation of these accounts. I sent follow-up Certified Letters on XXXX XXXX XXXX, which were delivered on XXXX XXXX and XXXX XXXX tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  confirmed receipt during a call on XXXX XXXX XXXX and stated they sent responses on AXXXX XXXX XXXX XXXX XXXX XXXX  received five letters from XXXX XXXX on XXXX XXXX XXXX, but they were all computer generated form letters, boilerplate responses with no proper FCRA approved means of validation under the FCRA (15 U.S.C.  1681s-2(a)(8)). \n\nThe letters did not include the original credit agreements, the letters did not include complete payment histories, or itemized statements to substantiate the balances, charge-off, or reported information. Instead, they provided generic statements and one-page mini-summaries severely lacking sufficient evidence.\n\nI also filed disputes with the credit bureausXXXX XXXX XXXX XXXX, I disputed the accounts with XXXX, but they upheld them on XXXX XXXX XXXX  in a one-day investigation that I believe was inadequate under the FCRA (15 U.S.C.  1681i(a)(1)). XXXX  results listed the same account number for both accounts, indicating a merging error.XXXX XXXX XXXX XXXX, I filed disputes with XXXX  and XXXX, citing inconsistent reporting (e.g., highest balances varying between XXXX XXXX XXXX  conflicting statuses like Paid, Closed vs. Charged off) and the merged accounts issue. Responses are due by XXXX XXXX XXXX XXXX failure to verify the accounts means they must cease reporting them to the credit bureaus. The credit bureaus failure to remove these unverified accounts violates the FCRA (15 U.S.C.  1681i). These accounts continue to harm my credit, labeled as Potentially Negative with a significant negative impact. I request that the CFPB investigate XXXX XXXX  inadequate response and the credit bureaus failure to remove the unverified accounts, ensuring compliance with the FCRA.'

Company response to consumer: Closed with non-monetary relief