vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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:
I'm reaching out because I noticed some hard inquiries on my credit report that I didnt authorize. I sent a dispute before on XX/XX/XXXX, but nothing has changed. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute anything on my credit report thats not accurate or wasnt authorized. More specifically : -Section 611 says you have to investigate items I dispute.

-Section 609 gives me the right to see everything in my file and the results of your investigation.

-Section 604 says you can only let someone pull my credit if there's a legal reason, and I never gave permission for these inquiries. 

Here are the companies and dates Im talking about : XXXX XXXXXXXX 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  Please take another look and do the following : -Investigate these inquiries. 
-Remove any that were not done with my permission. 
-Send me an updated credit report. 
-Let me know the results of your investigation within XXXX days. 

Ive included a copy of my ID, SSN, my FTC report and my previous letter for verification.

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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On the XXXX of XXXX I called in to get a credit line increase. I was given a {$5000.00} increase to a total of {$10000.00}. The following day I notice I could not buy anything anymore with the card and I was not notified of any emails on the account being closed. I called on the XXXX and was given no reason to why. Besides due to high risk based on my credit score? I have over 800. I am concerned on the lost credit score I will get because of this new account being opened and now closed. Also I lost the credit limit and my XXXX XXXXXXXX reward points.

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 2025-04-06 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:
I am filing this complaint to address Equifax failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX and filing prior CFPB complaints # XXXX on XXXX, Equifax reinstated fraudulent accounts without providing a valid reason. 

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft and fraud, as evidenced by my submitted FTC Criminal Complaint.

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
This letter is to confirm that XXXX XXXX has been a client of XXXX XXXXXXXX, an organization that provides services and support to individuals who have experienced human trafficking.Based on our interactions and documentation, we can confirm that he is a XXXX XXXX XXXX  as defined by applicable federal or state law. As a result of the trafficking experience, XXXX XXXX may have incurred debts or financial accounts that were created or used without their informed consent or under coercion.We support his request to block or remove these items from their credit report in accordance with the 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 non-monetary relief
Consumer complaint received 2025-04-06 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:
This letter serves as a formal dispute and notice of non-compliance regarding the reporting of an alleged debt from XXXX XXXX XXXX on my credit report with XXXX and Experian. 

In response to CFPB Complaint # XXXX, XXXX & XXXX XXXX XXXX provide sufficient documentation to validate the debt. Specifically, the following required items were not included : A Master Bill of Sale A Purchase Agreement A XXXX XXXX XXXX XXXX showing legal ownership of the alleged debt While an original contract from the creditor was provided, this does not establish your companys right to collect or report this debt. Furthermore, the balance currently being reported to the credit bureaus is {$1700.00}, which does not match the amount stated in the contract or documentation provided. 

In addition, I had an agreement with the original creditor, and I do not owe any debt to your company. Therefore, this debt is being reported inaccurately and without proper validation, in violation of the ( FCRA ) and the ( FDCPA ). 

To XXXX and Experian : This account is being disputed under FCRA XXXX. I am providing this letter as proof that the reporting furnisher has failed to provide the necessary documentation to support their reporting. The balance is inaccurate, and the ownership of the debt has not been verified. 

Accordingly, I am demanding the immediate deletion of this account from my credit file with both bureaus. If this matter is not resolved promptly, I will escalate the issue further through legal channels with my attorney.

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 2025-04-06 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: TX

Complaint narrative:
This letter serves as a formal dispute and notice of non-compliance regarding the reporting of an alleged debt from XXXX XXXX XXXX on my credit report with TransUnion and XXXX. 

In response to CFPB Complaint XXXX XXXX XXXX XXXX XXXX  failed to provide sufficient documentation to validate the debt. Specifically, the following required items were not included : A Master Bill of Sale A Purchase Agreement A XXXX XXXX XXXX XXXX showing legal ownership of the alleged debt While an original contract from the creditor was provided, this does not establish your companys right to collect or report this debt. Furthermore, the balance currently being reported to the credit bureaus is {$1700.00}, which does not match the amount stated in the contract or documentation provided. 

In addition, I had an agreement with the original creditor, and I do not owe any debt to your company. Therefore, this debt is being reported inaccurately and without proper validation, in violation of the ( FCRA ) and the ( FDCPA ). 

To TransUnion and XXXX : This account is being disputed under FCRA XXXX. I am providing this letter as proof that the reporting furnisher has failed to provide the necessary documentation to support their reporting. The balance is inaccurate, and the ownership of the debt has not been verified. 

Accordingly, I am demanding the immediate deletion of this account from my credit file with both bureaus. If this matter is not resolved promptly, I will escalate the issue further through legal channels with my attorney.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
A person other than myself attempted to open a new account under my social security number. There were about two attempts with discover card services. I would like these hard inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
When we moved into our home we had XXXX  and they come out 2-3 times a year to offer more services. They were working with a solar panel company XXXX and informed me and my wife several times that it would takeover our power bill but in fact made little to no impact to my power bill. So I still have had an high power bill plus this new bill which it became to much and I defaulted on the loan from mosaic. I talked to all 3 companies and I kept getting talk to the other one they can handle this. XXXX told me once I had the wrong panels then the next time I talked to them a new person stated that's not true. Then mosaic sold me off and I think the new company sold me also. Now this new company is suing me but I have been trying to get them off my house. Also XXXX  just tried to XXXX me again but I got out of that in time because things wasn't adding up again. I think the new company is called asset recovery solutions and they called my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm reaching out because I noticed some hard inquiries on my credit report that I didnt authorize. I sent a dispute before on XX/XX/XXXX, but nothing has changed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute anything on my credit report thats not accurate or wasnt authorized. More specifically : -Section 611 says you have to investigate items I dispute.

-Section 609 gives me the right to see everything in my file and the results of your investigation.

-Section 604 says you can only let someone pull my credit if there's a legal reason, and I never gave permission for these inquiries. 

Here are the companies and dates Im talking about : XXXX - XX/XX/XXXXXXXX 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 XX/XX/XXXX Please take another look and do the following : -Investigate these inquiries. 
-Remove any that were not done with my permission. 
-Send me an updated credit report. 
-Let me know the results of your investigation within 15 days. 

Ive included a copy of my ID, SSN, my FTC report and my previous letter for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: Westlake Services, LLC
State: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there inaccurate. under 15 U.S code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) in general 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 cant be verified, the reporting agency shall promptly delete the item of information off the credit file or modify that item of information as appropriate based on results of the reinvestigation and promptly notify the end of that information and that the information has been modified or deleted from my file please remove the items from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there inaccurate. under 15 U.S code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) in general 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 cant be verified, the reporting agency shall promptly delete the item of information off the credit file or modify that item of information as appropriate based on results of the reinvestigation and promptly notify the end of that information and that the information has been modified or deleted from my file please remove the items from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAINE & WEINER XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : FORMAL DISPUTE - FCRA & FDCPA VIOLATIONS, CF PB ENFORCEMENT FAILURE, DEMAND FOR IMMEDIATE DELETION I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. 
ITEMS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. FCRA 1681s-2 ( a ) ( l ) ( A ) : Prohibits the reporting of information known to be inaccurate.

2. FCRA 1681s-2 ( b ) : Furnisher 's duty to investigate and correct upon notice of dispute.

3. Internal Revenue Code 6050P : If a 1099-C has been issued, the debt has been canceled and is no longer legally collectible.

4. CFPB oversight failure strengthens my legal claim.

5. Metro 2/E-OSCAR non-compliance.

6. FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices.

7. Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.

8. For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-06 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have provided XXXX on SIX occasions with an FTC identity theft report and various police reports to XXXX regarding Goldman Sachs, XXXX XXXX and the identity theft on my report. I have also reported and provided a letter from Goldman Sachs regarding the fraudulent account. XXXX is ruining my credit score by refusing to remove the fraudulent items. 

The items from XXXX XXXX and Goldman Sachs are the result of identity theft and are ruining my credit score. XXXX had been sued for this in the past. 

DELETE the items!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: Servicing Solutions, LLC
State: TX

Complaint narrative:
I have provided XXXX on SIX occasions with an FTC identity theft report and various police reports to XXXX regarding XXXX XXXX, XXXXServicing Solutions and the identity theft on my report. I have also reported and provided a letter from XXXX XXXX regarding the fraudulent account. XXXX is ruining my credit score by refusing to remove the fraudulent items. 

The items from Servicing Solutions and XXXX XXXX are the result of identity theft and are ruining my credit score. XXXX had been sued for this in the past. 

DELETE the items!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
Good evening CFPB team ; Today Im complaining about this creditor : Eastern Account System XXXX XXXX XXXX XXXX 
XXXX, CT XXXX Phone : XXXX I wasnt aware of the debt until it was reported in my credit report few months ago. 

I quickly write a letter to apologize and returned equipments to the original creditor. 

Then I made an offer of {$200.00} to settle for the debt l was expecting them to return the check in case they didnt agree with the amount of settlement but they ended up cashing out the check and then keep reporting the remaining balance in my credit report. 

Plus they keep reporting different addresses to contact them we are dealing with two addresses and I dont which is correct. 

Here is the other address : XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XX/XX/year>, 90 day late payment from a company called Nelnet of the dept of education was reported on credit report failed to notify me a payment was due failed to contact me about setting up a payment plan failed to notify me they bought out great lakes and took over my loan failed to mail or email me notifying i had to start paying on my student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MO

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-04-07 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: 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 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