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: NJ

Complaint narrative:
In reference to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST IMMEDIATELY be blocked and removed from my credit profile. Once a report of identity theft is made and i am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of the information are prohibited from reporting information that they XXXX XXXX have reason to believe is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EACH OF THE LISTED ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT OWED BY ME. Reporting FALSE INFORMATION is a direct violation of federal law and has unjustly damaged my creditworthiness. I DEMAND THAT YOU DELETE THE INACCURATE ACCOUNTS FROM MY CREDIT IMMEDIATELY AND CEASE ALL FUTURE REPORTING OF THIS ERRONEOUS INFORMATION TO ALL CREDIT BUREAUS. PLEASE PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS I have filed a FTC COMPLAINT as well and have attached below. FTC report # 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: NY

Complaint narrative:
This Address listed below is not i recognize 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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

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 status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had fraudulent loans put into my name that damaged my credit. Transunion said that I had to sign over 50 % of my patents to XXXX in order for them to fix my credit and said they only care about big companies as I am a peasant. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX  and XXXX XXXX  Fix my credit immediately and block account or I'll go in and spread some XXXX  love.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
On XX/XX/year>, a fraudulent check not bearing my name, my address, my endorsement, and not on my checks at all was processed by Charles Schwab Bank. I learned of the fraud a few days later while trying to purchase {$10.00} of donuts. I called them immediately and they informed me they had frozen all my accounts because someone had tried writing {$30000.00} of fraudulent checks against me. They assured me they had prevented the loss.

The next day, I was able to finally get back into my account and observed a fraudulent check had been processed in another state. It did not bear my name, my endorsement, my address, and was not even on the same check paper. I reported the fraud to Schwab bank by telephone. 

After spending about XXXX hours on the phone with their various representatives, I was finally able to make contact with a fraud XXXX on XX/XX/XXXX. At her request, I submitted a sworn affidavit the same day recounting the fraud. I have repeatedly ask that they credit the funds to my account, and now, almost XXXX days later, they have failed to do so and will not communicate with me about it. 

My entire account was swept. I have explained I am a XXXX XXXX XXXX XXXX and need the money. They have never tried to help me. 

I have attached my e-mail exchanges with the fraud XXXX, and images of the front and back of the check that -- again, bears no indicia of being an authorized check.

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 am extremely frustrated with the ongoing errors on my credit report, which have severely impacted my financial stability and creditworthiness. These inaccuracies, including fraudulent accounts and transactions that I have never been associated with or benefited from, continue to harm my ability to move forward. Despite reporting this issue to the Federal Trade Commission, these items remain on my report, causing unnecessary stress and preventing me from achieving financial independence.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I HAVE BEEN USING PAYPAL CLOSE TO TWO YEARS RECEIVING FUNDS. IT WAS UNTIL LAST YEAR AUGUST 2024 THAT PAYPAL DECIDED TO LIMIT MY ACCOUNT, CITING DIFFERENT RISKS THAT MY ACCOUNT IS POSING OR RATHER THE VIOLATIONS MY ACCOUNT HAS VIOLATED. THIS COMPLAINT IS THE SECOND COMPLAINT SINCE THE FIRST ONE WAS ABOUT LIMITATION OF ACCESS OF FUNDS. IN THIS ONE, PAYPAL, EVEN AFTER MY ACCOUNT HAS PASSED THE 180-DAY LIMITATION, HAVE MADE IT DIFFICULT FOR ME TO ACCESS MY FUNDS. IT WAS UNTIL 4/03/2025 THAT PAYPAL WRONGFULLY TRANSFERED MY FUNDS TO THEMSELVES CLAIMING IT IS USED TO RECOVER THEIR LOSSES, WHICH I DONT KNOW BECAUSE THEY HAVE NOT EXPLAINED THE EXACT LOSSES. I WILL ATTACH BELOW THE TRANSACTION DETAILS FOR REFERENCE. PAYPAL DO NOT HAVE THE RIGHTS TO ACCESS MY FUNDS AND WITHDRAW WITHOUT MY CONSENT. Kindly help.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five 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 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692
k 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.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( 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 1681b ( 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. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 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 2025-03-11 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
After reporting to the cfpb for help with disputing this identity theft this company still report with improper use of my information that I did not authorize. Please send me a consent form I signed with Midland. By law it says you have to show proof or delete off credit. I did not give this company permission to fumble with my information at all. By law I did not sign anything with this company at all. I'm requesting debt validation on both accounts XXXX  XXXX say I owe and when I say debt validation, I don't mean a letter verifying the account like last time. These accounts supposed to be deleted it's been passed the 30 days. I demand proof that I owe this debt and that this company have legal rights to collect with my signature with this company. You have to provide these accounts need to be deleted as soon as possible. This company was giving more than enough time and I have proof. Thank 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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report.

As per 15 U.S.C. 1681e ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting that this fraudulent account be investigated and removed from my report immediately. 
Please consider this letter as an official dispute regarding the accuracy of this account. I ask that you conduct an immediate investigation and take the necessary steps to remove this fraudulent account from my credit report. If the account can not be verified as accurate, it must be permanently removed as stipulated under the law.

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: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I worte a letter to capital One Bank about some fraudulent accounts that was opened up under my name since ive been XXXX  in the XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX til present serving a XXXX year XXXX  system. At no time have i given my information to be used nor have i ever lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Nor or has my phone number has ever been XXXX XXXX, it has all been Perpetrated by the person impersonating me. For Capital One Accounts ending in XXXX, XXXX. All this company has to do is contact the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, all information couldve have been Verified by the XXXXXXXX XXXX XXXX XXXXXXXX. Which Will unequivocally show that it was impossible for me to have gotton this credit card, used it, Clearly show that i was a victim of Identity theft in these XXXX accounts, I want my name to be clear from this negative information on my consumer report. There's no information to verify that these Accounts belonged to me as stated by capital one, had they done there Do diligence and ask for state-issued ID they wouldve seen that this was not me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX XXXX and all of its sister companies are illegally reporting inaccurate items to my credit report. The Account is being reported as closed and Charged off, written off as bad debt. According to the IRS Charged off debt is not to be reported on a consumers credit profile as debt ; it is seen as ORDINARY INCOME, see IRS publication XXXX, XXXX and XXXX it does not MATTER WHAT REASON THE DEBT WAS CHARGED OFF, IF YOU WRITTEN OFF ANY DEBT FROM YOUR 2021 BUSINESS INCOME AND THE AMOUNT IS OVER ( {$600.00} ) THEN THE DEBT IS FULLY DISCHARGED AND CANCELLED Also The Contract that the company has on file Does not belong to me, As the name on the Contract is not my name. WHY ARE YOU XXXX AND XXXX XXXX REPORTING INACCURATE, FRAUDULENT INFORAMTION TO MY CREDIT REPORT. YOU DO NOT HAVE A LAWFULLY BINDING CONTRACT WITH ME! DELETE THIS ACCOUNT FROM CONSUMER MY CREDIT REPORT IMMEDIATELY. THIS IS DEFAMATION OF CHARACTER. I AM NOW TELLING YOU TO CEASE ALL MEANS OF TRYNG TO COLLECT AN UNLAWFUL DEBT FROM ME. ACCORDING TO 15 U.S. Code 1692c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

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