vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Debt Recovery Solutions regarding an account being reported on my credit report under account number XXXX. I was never notified of this collection account, and I do not believe the debt is accurate. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt. Debt Recovery Solutions has failed to provide the necessary documentation proving the validity of this account. Specifically, I am requesting : A detailed explanation of what this alleged balance is for. 
A complete audit trail and payment history of this account to verify accuracy. 
Documentation proving that I agreed to pay this debt, including my signature and authorization for Debt Recovery Solutions to collect and report this debt. Unauthorized use of my personal information, including my Social Security number, constitutes identity theft. 
The agreement that grants Debt Recovery Solutions the authority to collect on this debt. 
A copy of the companys state license and license number, confirming the legal right to collect debts in my state. 
The purchase agreement related to this alleged debt. 
A sworn statement, under penalty of perjury, that Debt Recovery Solutions was present during the creation of this alleged debt. 
A documented chain of custody for the account, ensuring that all financial transfers have been properly executed. 
The Master Bill of Sale to validate the ownership of the debt. 
Additionally, Debt Recovery Solutions has violated the Fair Credit Reporting Act ( FCRA ) by reporting information that is inaccurate or failing to report information correctly. The company has also committed multiple FDCPA violations, including : 15 U.S. Code 1692d Engaging in conduct that harms my reputation, which is a violation of harassment and abuse protections. 
15 U.S. Code 1692j Furnishing deceptive forms that falsely imply participation in the collection of a debt. 
15 U.S. Code 1692k Civil liability for damages caused by non-compliance with the FDCPA. I am demanding {$1000.00} per violation as permitted by law due to the harm caused to my character and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA bank identified back in 2019 that my Ex wife had used a remote access to log onto my personal banking account. The representative explained they could see this through the IP login data. This proves I had no knowledge of her exploiting my banking information so I wouldn't be notified of her spending. The representative at USAA also verified my personal alerts and notifications had been altered. I explained this to more than one representative but USAA never dismissed or reversed any charges even though I never knew of any spending on my credit cards until calling the bank one day. I was still held accountable for the debt I didn't do. I was told because of the time frame they couldn't help. USAA never explained how my ex wife was able to accomplish accessing my personal account. It could of been because they are partially liable or at fault and don't want to explain. My ex wife was never added to my American Express card ither and USAA wouldn't explain or address how she was able to utilize that card. All USAA did was tell me fraud wasn't committed because I had added her to two credit cards. My ex wife had violated numerous banking policies that were illegal but USAA still held me accountable for the debt. I have never been in debt besides this situation, why USAA allowed her to charge three and four times my credit limit is extremely disturbing and should have been denied and never allowed. USAA failed to protect me and my credit but then decided to hold me accountable for something I wasn't aware of. Their practices are very unethical and unfair. I also never authorized any credit line increases which a USAA representative verified someone had which again wasn't me. I only found this out by calling the bank directly one day and found out only because the representative claimed they had to advise me I was overdrawn on all of my credit cards. I had absolutely no idea what was taking place.

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 2025-02-10 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: AL

Complaint narrative:
I am writing to formally dispute fraudulent activity reported on my credit file. Upon reviewing my credit report, I noticed several accounts opened and these accounts are not mine, and I did not authorize any transactions related to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
Unauthorized accounts linked to identity theft have appeared on my consumer report without my written authorization or signature, causing severe financial and emotional distress. Despite my recent communications with your organization about this matter, these fraudulent entries continue to misrepresent my credit history and responsibilities, critically impacting my ability to achieve important financial goals like purchasing a home and providing for my family 's needs. The ongoing presence of these unauthorized accounts requires immediate intervention to prevent further damage to my financial standing.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2025, I received a notification from XXXX XXXX stating that XXXX XXXX XXXX had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XX/XX/XXXX2025, my electronic virtual mailbox system through XXXX notified me that I had received a Right to Cure letter from XXXX XXXX XXXX. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX 2025, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my credit score.

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 2025-02-10 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: IL

Complaint narrative:
On XX/XX/XXXX2025, I received a notification from XXXX XXXX stating that XXXX XXXX XXXX had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XXXX XXXX, 2025, my electronic virtual mailbox system through XXXX notified me that I had received a Right to Cure letter from XXXX XXXX XXXX. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX2025, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX2025, I received a notification from XXXX XXXX stating that XXXX XXXX XXXX had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XX/XX/XXXX2025, my electronic virtual mailbox system through XXXX notified me that I had received a Right to Cure letter from XXXX XXXX XXXX. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX2025, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my credit score.

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 2025-02-10 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: GA

Complaint narrative:
I am writing to formally report that my personal information was compromised as a result of multiple data breaches, including those involving a medical provider and a credit bureau. Due to these breaches, I have reason to believe my personal information may have been used fraudulently.

As a precautionary measure, I am filing an identity theft report to document this situation and protect myself from any further unauthorized activity. 

Please let me know if additional information or documentation is required to complete this process.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally report that my personal information was compromised as a result of multiple data breaches, including those involving a medical provider and a credit bureau. Due to these breaches, I have reason to believe my personal information may have been used fraudulently.

As a precautionary measure, I am filing an identity theft report to document this situation and protect myself from any further unauthorized activity. 

Please let me know if additional information or documentation is required to complete this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code XXXXo ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXXk holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-10 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: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
I recently checked my credit report and noticed hard inquiries from [ list the companies, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for credit with these companies. 

I believe these inquiries may have been made in error or fraudulently. I request an investigation and the removal of these unauthorized inquiries from my credit report. 

Please provide any information you have regarding these inquiries, including details of the applications submitted. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Kikoff Inc.
State: CA

Complaint narrative:
Someone have used my name to get credit cards and used my name on credit building website. Now I have hard inquiries thats I have no clue where they came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: DISCOVER BANK
State: CA

Complaint narrative:
Someone have used my name to get credit cards and used my name on credit building website. Now I have hard inquiries thats I have no clue where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone have used my name to get credit cards and used my name on credit building website. Now I have hard inquiries thats I have no clue where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-10 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: AL

Complaint narrative:
I am writing to formally dispute fraudulent activity reported on my credit file. Upon reviewing my credit report, I noticed several accounts opened and these accounts are not mine, and I did not authorize any transactions related to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Per the FCRA XXXX XXXX XXXX my credit profile is showing a lot of inaccurate information.My profile is showing a lot of charged off accounts that were sold and I never received a XXXX. I would like these negative items deleted from my credit report and a updated copy mailed to me.

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 2025-02-10 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: FL

Complaint narrative:
Per the FCRA XXXX XXXX XXXX my credit profile is showing a lot of inaccurate information.My profile is showing a lot of charged off accounts that were sold and I never received a XXXX. I would like these negative items deleted from my credit report and a updated copy mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
Between XX/XX/XXXXXXXX XXXX XXXX XXXX I sent multiple dispute letters to XXXX regarding inaccuracies on my credit report. Despite my detailed explanations and requests for proper investigation, these items remain unresolved. Below is a summary of the disputed accounts and actions : 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 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 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 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 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 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 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 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 Disputed debt ownership, requested proof from the original creditor. In all cases, I have not received sufficient proof of investigation, payment records, or documentation from either XXXX or the creditors to validate these accounts and their negative statuses. This lack of proper investigation violates the Fair Credit Reporting Act. I request that XXXX either remove these inaccuracies or provide comprehensive proof of their investigations and the validity of the disputed information.

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