vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are 25 inquiries on my transunion credit report that I did not do.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Your response lacks sufficient proof that I am legally responsible for this debt. Specifically, you have failed to provide : 1. A valid contract or agreement bearing my signature proving my obligation to this debt.

2. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

3. What you paid for this account, and how you calculated the current amount owed.

4. Proof of legal ownership of the debt, including a chain of custody showing the transfer of this account from the original creditor to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: KS

Complaint narrative:
Experian is damaging my credit and is demanding I pay {$25.00} to fix my credit with their premium plan to boost my score. They have false information on my credit that is 100 % not true. They have NEVER verified any of the false debts on my credit and I demand they remove it RIGHT NOW. 

I am submitting this formal complaint regarding an inaccurate and unverified XXXX XXXX collection account that Experian continues to report under my credit file. The account, which shows a balance of {$4300.00}, is completely false. I have never had an account with XXXX XXXX, nor have I ever been financially obligated to them. I have maintained uninterrupted service with XXXX since XXXX, and there is no legitimate basis for this account appearing on my credit report. This false reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have disputed this account with Experian multiple times, requesting verification of the alleged debt, including signed agreements, billing statements, or any documents proving my responsibility for the account. However, Experian has failed to provide any legitimate verification. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item. Additionally, 15 U.S.C. 1681e ( b ) requires Experian to ensure the maximum possible accuracy of reported information. Yet, despite my multiple requests, Experian has never provided any proof that this account belongs to me, nor have they produced any signed documentation confirming my agreement to this debt. Their continued reporting of this unverified account constitutes willful noncompliance under 15 U.S.C. 1681n, which entitles me to statutory and punitive damages.

Federal case law, such as Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), establishes that credit bureaus may be held liable for failing to conduct a proper investigation of disputed information. Furthermore, in Jones v. Experian Information Solutions , Inc., 141 F. Supp. 2d 1277 ( N.D. Ala. 2001 ), the court ruled that Experian could not continue reporting a debt when the furnisher of the information could not verify it. Experians refusal to remove this false debt, despite having no valid documentation, is a blatant violation of these legal standards. 

I demand that Experian immediately delete this fraudulent XXXX XXXX account from my credit report. If Experian does not comply, I am prepared to take further action, including legal remedies for FCRA violations. I request written confirmation of the removal of this account, along with an updated copy of my credit file, within the legally required 30-day dispute period.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ] XXXX ( XXXX ) XXXX Date : XX/XX/scrub>XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Investigation of Accounts on My Credit Report Dear Sir/Madam, I am writing to formally dispute the following accounts that are currently reported on my credit report. I respectfully request that you investigate these accounts to ensure their accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that your company is currently being investigated by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate accounts. As such, I request that, upon completion of your investigation, you provide the method of verification used to determine that these accounts are being reported accurately. It is important that your processes comply with both federal regulations and the requirements of the Fair Credit Reporting Act ( FCRA ). 
Please notify me in writing of the results of your investigation as required by law. If further documentation, it can be provided upon request via email or by mail. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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 2025-03-24 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
COVINGTON CREDIT Installment with account # XXXX opened on XXXXXX/XX/year> and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 8 late payments. On my XXXX report there are 5 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian, as consumer reporting agencies, must adhere to these legal obligations, and as a consumer, I have the right to ensure my private information is not shared without my consent.

Furthermore, 15 U.S.C. 6801 establishes that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. Under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. I have not provided, nor do I provide, such consentverbally, non-verbally, in writing, implied, or otherwiseto XXXX, Experian, or any furnisher of information to these agencies. Any prior consent is hereby revoked. 

Additionally, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an opportunity to opt out. I was never informed of my right to exercise this nondisclosure option.

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if they are more than seven years old, except for criminal convictions. The account being reported is an adverse item and is being furnished without my consent, in violation of federal law.

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations of Section 1681c and to limit the furnishing of consumer reports to legally authorized purposes. Based on these provisions, it is evident that XXXX and Experian are not maintaining reasonable compliance procedures. 

Lastly, under 12 CFR 1016.7, consumers have the right to opt out of certain reporting services at any time. I am hereby exercising my right to opt out of your reporting services and request that my information no longer be furnished or reported.

Please confirm your compliance with this request in writing. Failure to adhere to these legal provisions may result in further action. 

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX Dear cfpb, I am writing to request a correction of the following information that appears on my XXXX report. 

My account number information and details have been shared and sent to the another entity i do not know ( capio partners llc ). What i do know is that this is not permitted ; I already out to the company to close these charges before taking it further and it was declined. Which is allegedly breaking a certain law I trust that customers information should be private at any given moment. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-24 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, 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 2025-03-24 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: GA

Complaint narrative:
XXXX XXXX Revolving with account # XXXX opened on XXXX and a balance of {$490.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.

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 2025-03-24 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: GA

Complaint narrative:
XXXX XXXX Revolving with account # XXXX opened on XXXX and a balance of {$490.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
XXXX XXXX Revolving with account # XXXX opened on XXXX and a balance of {$490.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dear ( Debt Collector ) Collection agency name : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I just found out my little cousin has been using my name and info to open accounts for like credit cards and loans. The accounts that I put on this list are not mine, I really want them to be removed from my credit because the accounts were opened fraudulently. Please help me get this resolved, so my credit can be right. I saw online that there is a case where the CFPB sued the credit places for not doing the disputes the right way. 
I dont know what the difference is but I need my case handled correctly like the court case discusses about the disputes. Please dont do my stuff wrong.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a flight ticket from XXXX XXXX  and cancel it within XXXX hours. However they refused to give me a refund and instead gave me XXXX XXXX  credits for that. I disputed a transaction thru a Wells fargo agent. Not only they did not ask me to provide for any further information, they declined the claim without any notice

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