vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against Experian and the collector XXXX XXXX XXXX for reporting an inaccurate, unverified, and legally questionable debt on my credit report. 

account XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account, related to XXXX XXXX XXXX XXXX was first reported in XX/XX/XXXX without any prior history or proper notice. The information reported is inconsistent, unvalidated, and potentially fraudulent. 

I have formally requested Experian to delete this account because : There is no legal documentation validating or assigning the debt ( violation of FCRA 1681s-2 ( b ) ) ; I have not been provided with any required validation ; The account was reported without meeting accuracy requirements under Metro 2 and 1681e ( b ) ; No reasonable investigation was conducted as required under 1681i ( a ) ( XXXX ) ( A ), as reinforced by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; Maintaining this account constitutes a deceptive and unfair practice under UDAAP ( 12 U.S.C. 5531 ) ; It also violates the principle of not reporting unverified debt as reflected in 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MN

Complaint narrative:
I recently became aware of accounts opened in my name without my knowledge or authorization. I also was made aware that the names and information used to open these accounts was incorrect. 

I contacted the company to request verification of the original documents and information used to open this account as well as full account details. However, they were unable to provide these details. This lack of documentation, incorrect information they had on file, raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MN

Complaint narrative:
I recently became aware of accounts opened in my name without my knowledge or authorization. I also was made aware that the names and information used to open these accounts was incorrect. 

I contacted the company to request verification of the original documents and information used to open this account as well as full account details. However, they were unable to provide these details. This lack of documentation, incorrect information they had on file, raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # XXXX 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt ( Remove all Inquiries ) - XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-02 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: NV

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 XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit 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 2025-05-02 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: NC

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
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
A girl that I would XXXX XXXX to occasionally needed to use my phone to call her XXXX she ended up sending herself several XXXX dollars from my XXXX XXXX and bank account and deleted the messages so I wouldnt know. Police reports have been filed, police investigation is in progress, disputes have been initiated and denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received a letter that I was overcharged over {$900.00} and would like to be reimbursed please respond asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Duplicative reporting based on a previously charged-off XXXX XXXX account. 
Potential lack of verifiable ownership of debt. 
Metro 2 compliance violations regarding balance, ownership status, and payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail.

This notice is also sent to inform you that I dispute the above balance and full validation is requested which is my right under 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act and 1006.34 ( C ) of The Code of Federal Regulations. As a co-signer, I never received any correspondence concerning the balance or status of the Vehicle. Please forward me the following documents for my review. 

XXXX. Installment contract 2. Auction Statement 3. Right to Redemption Notice 4. All correspondences such as late notices, disputes and notice of repossession 5. Deficiency Balance Statement 6. Complete payment history Failure to comply will result in me filing a complaint with The Office of The Attorney General in addition to taking legal action against NCB Management Services for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The XXXX XXXX XXXX. Please remove this account immediately from all credit reporting agencies if the above request can not be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had my debit card taken and over XXXX  was taken out of my account. I have only requested XXXX of it back but have yet to be credited with any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX This company has reached out to me via phone multiple times. The last three times Ive had the same conversation with this company and they are threatening to sue to me. I told them I could pay {$40.00} toward my debt and they continue to say they can work with me but refuse to do so. {$40.00} a month is the only amount I can pay towards my debt. They called me today trying to get me to pay more AGAIN. After talking with them a few days ago about the same thing. Every phone call threatens me with a lawsuit and says they can work with me but are refusing to take my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint due to inaccurate and misleading reporting on my Experian credit report. The same debt is currently being reported twice once by XXXX XXXX as a charge-off with a balance of {$890.00}, and again by XXXX XXXX XXXX as a collection account with a balance of {$2000.00}. These are not two separate debts. This is the same account being reported in two separate tradelines, both showing active balances, which creates the false appearance that I owe more than I actually do. 

I disputed this with Experian, and they responded that the XXXX XXXX account was verified as accurate, but no action was taken to correct the duplicate reporting or adjust the balances. Under the Fair Credit Reporting Act ( FCRA ), this type of duplicate reporting with balances is misleading and inaccurate. If XXXX XXXX sold or transferred the debt to States Recovery, their account should reflect a {$0.00} balance and sold status.

This double reporting is damaging to my credit profile and is preventing me from progressing in my efforts to rebuild. I have attached documentation showing both tradelines. I am requesting the CFPBs help to have either the original XXXX XXXX trade line updated to show a {$0.00} balance and closed status or to have one of the accounts removed altogether to reflect accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please review US LAW 15 U.S. Code 1681 15 U.S.C. 1692g Under the Fair Credit Reporting Act ( FCRA ) respond within XXXX business days I am writing to formally dispute an inaccurate debt that has been reported on my credit file and may also be subject to improper collection activity. I recently obtained a copy of my credit report and noticed a debt reported by [ XXXX ], listed under Account Number : [ XXXX ], with an outstanding balance. I am requesting a formal investigation into this debt, as I believe it is inaccurate and may be in violation of several consumer protection laws. 


I have never received any validation or verification of the debt as required under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

If this is a charged-off debt, I request verification that it was reported accurately in accordance with Federal Reserve XXXX and relevant FCRA guidelines ( 15 U.S.C. 1681s-2 ). 

If this debt was sold or transferred to a third-party debt collector, I request written proof of the legal right to collect on the debt, including a full chain of assignment. 

If the debt is more than XXXX years old from the date of first delinquency, it may no longer be legally reportable under FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 

Legal References Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Grants consumers the right to dispute inaccurate credit information and requires credit bureaus to remove unverifiable data. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Prohibits debt collectors from using unfair, deceptive, or abusive practices and mandates written validation of debts upon request. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to conduct a reasonable investigation within XXXX days of receiving a dispute.

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