vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: FL

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 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX. XXXX XXXX ACCOUNT NUMBER 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 XXXX 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 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 2025-03-06 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called called get a replacement credit card so to a lost or stolen card and I was told that I was giving them the wrong information that was on file and there was nothing they could do because they couldn't gan access to the accounts so I requested to speak with the froud department to file fraud and I got the same response because the personal information I was proving want the information on my account they couldn't assist me any further

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Debt Validation for Midland Credit Management Case Reference : Green v. PRA Dear Sir/Madam, I am writing to formally dispute the debt claimed by Midland Credit Management and request validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am seeking clarification on the validity of the debt they claim I owe.

In reference to the case Green v. PRA ( Pressler & Pressler, LLC v. Green ), which serves as a precedent, the court ruled that debt collectors must provide clear and sufficient documentation to verify that they are authorized to collect the debt and that the debt is accurate. The ruling highlights the importance of ensuring that the consumer has adequate information to assess the legitimacy of the debt.

As of now, I have not received sufficient verification of the debt from Midland Credit Management. In light of this ruling, I respectfully request Midland Credit Management provide : 1. Proof of the original creditor.

2. Documentation showing the amount of the debt owed, including any interest, fees, or charges.

3. A clear chain of assignment of the debt to Midland Credit Management.

4. Copies of any signed agreements or contracts related to the debt.

{$430.00} {$720.00} I am aware that under the FDCPA, Midland Credit Management is required to validate this debt upon request. I expect that if they are unable to provide this information, the debt should be considered invalid, and any further collection activity must cease.

Please treat this letter as my official dispute of this debt and my request for validation. I kindly ask that you acknowledge receipt of this request and ensure that Midland Credit Management complies with my request in a timely manner. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: CL Holdings LLC
State: HI

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Jefferson Capital illegally reported a negative item on my credit report since 2022 despite the information being inaccurate.

This false reporting damaged my credit score, causing denied credit applications, higher interest rates, and financial hardship. Only After filing a previous complaint with the CFPB, Jefferson Capital removed the inaccurate item but failed to acknowledge their wrongdoing or offer any compensation for the harm they caused.

Despite multiple attempts to contact Jefferson Capital regarding compensation for their violations, they have ignored my requests and failed to respond. 
Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), Jefferson Capital Systems is required to : Accurately report consumer credit information.

Promptly investigate and correct disputed information.

Compensate consumers for financial and emotional damages caused by their negligent or willful reporting.

Jefferson Capital failed to meet these legal obligations, and their actions have caused significant harm to my financial stability.1. Jefferson Capital Systems , LLC falsely reported a debt on my credit report since XXXX XXXX XXXX 
XXXX. I disputed the entry and subsequently filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
XXXX. Following my complaint, Jefferson Capital removed the negative account, acknowledging the reporting was improper.

4. Despite this, I have not received any response or compensation for the financial and emotional harm caused by your unlawful reporting.

Legal Basis for My Claim : Under the FCRA, 15 U.S.C. 1681n, Jefferson Capital is liable for : * Willful violations of credit reporting laws. 
* Up to {$1000.00} per violation in statutory damages. 
* Actual damages, including financial harm, emotional distress, and damage to my credit. 
* Punitive damages for knowingly reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report taht I believe is harming my financial well being. Alongside, an incident involving the improper sharing of my personal financial information by several companies. This information was shared without my consent, and I believe it was done in violation of my privacy rights. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : conducting inadequate investigations that fail to address consumer disputes properly, reinserting previously disputed and inaccurate information with explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Some companies include, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ask that you please review the inaccurate information being reported : 1. Payment history errors 2. Duplicate Accounts 3. Incorrect personal information 4. Balance reporting errors 5. Account status 6. Credit inquiries 7. Collections and charge offs 8. Incorrect reported settlements 9. Account age errors Under the FCRA, you are required to conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes the at the information can not be verified or remains inaccurate. I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. I have attempted to resolve this issue directly with the company, but my efforts have not been successful. As a result, I am requesting the Consumer Financial Protection Bureaus assistance in addressing this matter. 

Please confirm receipt of this letter and keep me informed of any steps being taken to resolve this dispute. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-06 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: TN

Complaint narrative:
Dear Experian I just recently looked at my credit report XX/XX/XXXX and I saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

Discover Financial SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I bought a plane ticket on XX/XX/XXXX for a trip to XXXX on XX/XX/XXXX with my pay pal debit card. A day before the flight a terrible storm happened that caused me to miss my connecting flight at XXXX XXXX XXXX XXXX to then catch my flight to XXXX. XX/XX/XXXX I reached out to the merchant asking for a refund since I was snowed in my state and could not meet the early flight any longer. They stated the could only offer XXXX. I declined because I paid XXXX. I asked to cancel my flight, the merchant XXXX stated if I cancelled I would forfeit my XXXX and automatically be issued the XXXX. I declined and reached out to PayPal debit card telling them I did not receive services rendered and I would like to dispute the charges from XXXX. They assured me the situation would go in my favor. Pay pals policy states after 10 days the claim would automatically go in my favor and they issued me XXXX back to my account. After that day I was not able to use my debit card for some reason. I had over XXXX in that account and it kept getting declined and PayPal did not give an explanation why. Also the merchant responded 30 days later and stated they had a policy which I showed PayPal in the beginning thru the chat evidence I had with the merchant before hand. PayPal decided to flag my card and sided with the merchant after they ready awarded me with the money back. I proved I didnt render services and PayPal said they have to go by XXXX XXXX as-well for how much time the merchant has to respond even though their initial policy says something completely different. Now they are flagging my account and taking back the XXXX. This is unacceptable and very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-03-06 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 ( mo ) XXXX 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 2025-03-06 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
Line of credit with loan number # XXXX, has been closed twice with former branch Key Bank XXXX XXXX a year or XXXX ago in the XXXX XXXX XXXX XXXX. Now it shows a new balance plus interest of {$9.00} as XX/XX/XXXX. It is the exact same scenario as the last time. As we closed the line of credit first time, a couple months later we noticed a new balance plus interest occurred on the account that didnt exist. We were told that paperwork was completed. So we went ahead and paid off the balance. Then we closed the account second time. Now a year later, it happens again. 
I went to the bank and talked to XXXX XXXX XXXX. He said he would contact XXXX and she would call me back on XX/XX/XXXX. No one called me from the bank. I called XXXX XXXX on XX/XX/XXXX to follow up. He said stay by the phone, someone will call you.. I did. No one called. I stopped and talked to the new XXXX XXXX XXXX XXXX on XX/XX/XXXX. He took the information down and assured me that he or someone would call. No one calls. So I stopped in today, XX/XX/XXXX. The XXXX was going to send me home and wait for the call but I insisted in talking to the XXXX. So he kindly allowed. 

Im sure I am not the only one that key bank can decide who and when to send a bill to. What they are doing should be publicized to the world. I have been taking XXXX days off from work just to talk to someone in the bank for their mistake this time. All they can do is to ask me to pay off the balance and try to close this account the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified accounts and a hard inquiry that I believe contain errors. I request an immediate investigation and correction of the following : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If these accounts and inquiry can not be verified as 100 % accurate, I request their immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
The company SOURCE RECEIVABLES XXXX, XXXX # XXXX IN AMOUNT OF {$2600.00}. This company is claiming that I owe this debt which I never had any knowledge of and that I have already asked XXXX credit report XXXX to verify and examinated and they continued to report in my account as a debt collection I never had a single account with this company or any XXXX, please help me dispute this account is stoping me for obtain a good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-06 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: GA

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 non-monetary relief