vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of an unauthorize or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed al inquiry listed that I do not recognize or recall authorizing. 

Also I have a FTC.gov Report number XXXX The details of the inquiry in question are as follows : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL THESE HARD INQUIRIES in Experian Not mine, Not authorized not verified

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters reported an alleged debt of {$310.00}, which I did not recognize or owe. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and sent a formal written request for validation of the debt. Despite my request, the company failed to provide any evidence, contract, or sworn affidavit verifying that the debt was valid or that I was legally obligated to pay. 

I sent my first debt validation letter by certified mail on XX/XX/year>, and followed up with a second request on XX/XX/year>. The company did not respond with proper documentation. Instead, they continued their collection efforts, including credit reporting, without legal validation. 

Their actions resulted in a negative tradeline appearing on my credit report, causing damage to my credit standing. This was done without proof of claim and in violation of my rights. I disputed the item with the credit bureaus and demanded its removal. 

Dates : Initial collection contact : XX/XX/year> First validation request : XX/XX/year> Second notice and affidavit request : XX/XX/year> Last activity observed : XX/XX/year> Amount involved : {$310.00} I am now requesting that this matter be fully investigated and that the unvalidated and unlawfully reported account be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TN

Complaint narrative:
XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute under 15 U.S. CXXXXe XXXXi Request for Investigation and Deletion of Charge-Off Account To Whom It May Concern : I am formally requesting an immediate investigation into an inaccurate and misleading charge-off account currently appearing on my Experian credit report. 

Pursuant to 15 U.S. CXXXXe XXXX, I am exercising my legal right to dispute the accuracy and completeness of this account. The information reported is inaccurate, incomplete, and misleading, and therefore must be deleted or corrected within the required XXXXday period unless verified with legally sufficient documentation. 

Disputed Account Information : Creditor Name : XXXX, XXXX or XXXX, now named XXXX. 
Account Number : XXXX Reason for Dispute : XXXX and XXXX are not reporting this account, its been removed due to FCRA violation. 

I am requesting that you conduct a reasonable investigation of this account, and provide the following documentation : XXXX. Verification from the original creditor of the charge-off status XXXX. A full payment history and accounting of the debt XXXX. All documents used to verify the accuracy of the information Experian is reporting If you are unable to verify the accuracy of this charge-off with original documentation from the furnisher, the account must be deleted from my credit file under FCRA XXXX XXXX a ) ( XXXX ) ( A ). 

Please provide me with written results of your investigation and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked or Delete : 1. XXXX XXXX/ XXXX 2. XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked or Delete : 1. XXXX XXXX/ XXXX 2. XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 
PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to dispute an unauthorized bank account listed under my name and Social Security number. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for specific permissible purposes and with the consumer 's knowledge or consent. 
I did not open any bank account associated with Wells Fargo nor did I authorize XXXX XXXX XXXX XXXX XXXX or any affiliated financial institution to access or use my consumer information in connection with this account. This is a serious matter, as it may indicate identity theft or unauthorized use of my personal information.Because this inquiry was made without a permissible purpose as defined under federal law, I am requesting that you immediately remove any unauthorized accounts and related inquiries associated with my name. This is a private communication. I reserve all rights.

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I had some unauthorized payments with my credit card. The day after calls someone representing himself as a XXXX XXXXXXXX XXXX representative, instructing us to do some stuff, long story short, he wants us to verify our phone, tell us to send Zelle to a number of XXXX representative, after checking online he used a name of a real representative what upgrades his credibility, and we send him the money. I drove directly to XXXX XXXX XXXXXXXX XXXX which was closed. Called directly to XXXX to try solve this and they say the investigation will take 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am filing this complaint against Experian and Equifax regarding XXXX unauthorized credit accounts : XXXX from XXXX XXXX  and XXXX from XXXXXXXX XXXX XXXX. 

I submitted a valid FTC Identity Theft Report under FCRA 605B, along with my government-issued ID and proof of address, requesting both tradelines be permanently blocked as required by law. 

Despite this : Experian failed to block the XXXX account, and responded that my request may have been submitted in error, which is not only false but violates their obligation under 605B to block fraudulent tradelines within XXXX business days. 

Equifax reinserted the XXXX tradeline after it had previously been removed, without providing any written notice as required under FCRA 611 ( a ) ( 5 ) ( B ). Reinsertion without notice is unlawful. 

Both bureaus are now in non-compliance with the Fair Credit Reporting Act. I am requesting immediate enforcement action, and that both bureaus : Permanently block both accounts Cease reporting these accounts on any future update Provide confirmation of compliance with FCRA 605B and 611

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am filing this complaint against Experian and Equifax regarding XXXX unauthorized credit accounts : XXXX from XXXX XXXX  and XXXX from XXXXXXXX XXXX XXXX. 

I submitted a valid FTC Identity Theft Report under FCRA 605B, along with my government-issued ID and proof of address, requesting both tradelines be permanently blocked as required by law. 

Despite this : Experian failed to block the XXXX account, and responded that my request may have been submitted in error, which is not only false but violates their obligation under 605B to block fraudulent tradelines within XXXX business days. 

Equifax reinserted the XXXX tradeline after it had previously been removed, without providing any written notice as required under FCRA 611 ( a ) ( 5 ) ( B ). Reinsertion without notice is unlawful. 

Both bureaus are now in non-compliance with the Fair Credit Reporting Act. I am requesting immediate enforcement action, and that both bureaus : Permanently block both accounts Cease reporting these accounts on any future update Provide confirmation of compliance with FCRA 605B and 611

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 2025-07-19 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: DE

Complaint narrative:
I am demanding the deletion and removal of incorrect information from my credit report to prevent further harm to my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), your continued reporting of inaccurate, unverifiable information is not only unacceptableit is unlawful.

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account PORTFOLIO RECOV ASSOC XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed this account multiple times directly with the credit bureaus and requested validation directly from the furnisher ( LVNV Funding LLC ), but no documents have been provided to validate or verify the accuracy or ownership of this debt. 

This is my third dispute and the furnisher has failed to respond with proper validation, which is required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). LVNV is continuing to report inaccurate, unverifiable, and misleading information.

The payment history being reported is misleading and re-aged, showing continuous updates every month despite no payments being made. This is a violation of FCRA guidelines on accurate reporting.

I have not received any proof that this debt belongs to me or that LVNV Funding LLC has legal authority to collect it. I also requested verification that the account was bought lawfully and that the balance is correct, but they failed to provide that.

At this point, I am reporting this to the Consumer Financial Protection Bureau, the Texas Attorney General, and I intend to pursue legal action if this is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: SC

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD WAS OPENED BY AN acquaintance, AND I WAS PLACED ON THE ACCOUNT AS AN AUTHORIZED USER. 

THE ACCOUNT WAS THEN CLOSED IN XXXX OF XXXX. BEFORE THIS, I CALLED XXXX XXXX AND INSTRUCTED THEM TO REMOVE ME FROM THE ACCOUNT AS AN AUTHORIZED USER. 

THIS ACCOUNT CONTINUED TO REPORT AS A NEGATIVE CHARGE-OFF ACCOUNT EVEN AFTER I REQUESTED TO BE REMOVED AS AN AUTHORIZED USER. XXXX XXXX EVEN NOTATED UNDER THE ACCOUNT DETAILS THAT THE RELATIONSHIP WITH THE ACCOUNT WAS TERMINATED, BUT IT STILL REPORTS NEGATIVE TO MY REPORT, HURTING THE CREDIT FILE. 

I SENT A DISPUTE TO TRANSUNION IN XXXX OF XXXX, REQUESTING THAT THEY INVESTIGATE THAT ACCOUNT AND REMOVE IT FROM THE CREDIT FILE. 

THAT WAS MORE THAN XXXX  DAYS AGO, AND I HAVE TO GET A RESPONSE FROM TRANSUNION ABOUT THE ACCOUNT AND REMOVING IT. 

TRANSUNION HAS YET AGAIN VIOLATED MY CONSUMER RIGHTS ACCORDING TO FCRA LAW 15 U.S. 1681. 

AS AN AUTHORIZED USER, I AM NOT FINANCIALLY RESPONSIBLE FOR THE ACCOUNT. THEREFORE, ONCE I REQUEST TO BE REMOVED AS AN AUTHORIZED USER THE ACCOUNT SHOULD NO LONGER REPORT TO MY CREDIT FILE IN ANY SHAPE, FORM, OR FASHION. 

THE ACCOUNT NEEDS TO BE REMOVED WITHIN THE NEXT XXXX DAYS.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
I called US Bank today XX/XX/year> to try and setup payment arrangements due to being unable to pay my bill currently. I was told that since my account is less then 6 months old, they can not setup payment arrangements. This is not stated anywhere on their website or on their app.

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 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account NATIONAL CREDIT SYSTEM XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXXXXX XXXX  with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
This letter is to formally notify you that I dispute the validity of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting that you provide proper validation of this debt, including : The amount of the debt ; The name of the original creditor ; Verification that you are legally authorized to collect this debt ; A full accounting of how the amount claimed was calculated.

Additionally, pursuant to 15 U.S. Code 1692c ( c ), I am requesting that you immediately cease all communication with me regarding this matter, except as permitted by law to confirm that collection efforts are being terminated or that you intend to take specific legal action. Any further attempt to contact me outside of these legal boundaries will be considered a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Please also be aware that any continued collection activity on a disputed debt, without providing proper validation, may be a direct violation of federal and state laws. I reserve the right to pursue legal remedies should your organization fail to comply. 
Thank you for your immediate attention to this matter. Please confirm in writing that you have ceased collection activities and that no further contact will be made. 
" This request is also made under the applicable provisions of California debt collection laws. ''

Company response to consumer: Closed with explanation