vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXX # XXXX {$580.00} opened XXXX I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Experian, XXXX and XXXX What happened Consumer Name : XXXX XXXX Social Security XXXX : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and outdated personal information reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure my credit file contains only accurate, complete, and verifiable information. Additionally, I am requesting that this dispute be resolved in accordance with XXXX XXXX compliance and XXXX standards for accurate data reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. 

My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX XXXXXXXX - Account Number : XXXX - XXXX In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ).

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract.

3. An itemized statement of the account showing all charges and payments.

4. Proof of your authority to collect this debt.

If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA.

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. 

My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX XXXXXXXX - Account Number : XXXX - XXXX In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ).

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract.

3. An itemized statement of the account showing all charges and payments.

4. Proof of your authority to collect this debt. 

If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA. 

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX - Capitol One Auto - Account # XXXX XXXX - Capitol One Auto - Account # XXXX XXXX - Capitol One Auto - Account # XXXX XXXX - Capitol One - Account # XXXX XXXX  - Capitol One - Account # - XXXX XXXX - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - Capitol One - Account # - XXXX XXXX  - XXXX XXXX XXXX  - Account # - XXXX XXXX - XXXX XXXX XXXX  - Account # - XXXX XXXX  - XXXX XXXX XXXX  - Account # - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. 

My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX  XXXX - Account Number : XXXX - XXXX In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ).

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement or contract. 
XXXX. An itemized statement of the account showing all charges and payments. 
XXXX. Proof of your authority to collect this debt.

If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA.

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. 

Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dispute Explanation : I have been a customer of XXXX XXXX for some time and have completed multiple transactions, all of which were authorized by me. However, a recent incident involving multiple unauthorized charges on my account has raised significant concerns, and I am seeking a resolution. 

On XX/XX/year>, between approximately XXXX XXXX XXXX XXXX XXXX, six unauthorized transactions totaling {$9000.00} were charged to my account. The individual charges were as follows : {$5000.00} {$2000.00} {$250.00} {$1000.00} {$500.00} {$250.00} These charges were deducted from my checking account without my knowledge or consent. I had recently transferred all of my available funds to my checking account, as I typically do when managing my finances. I am also in the habit of transferring funds between my checking and savings accounts, so I am very aware of my account activity. 

The most troubling aspect of this situation is that my card details were already on file with XXXX XXXX and previously Ive transferred money to this merchant but these specific charges I did not authorize these transactions. As soon as I noticed these unauthorized charges, I contacted XXXX XXXX to report the issue. In response, they not only failed to resolve the problem but also closed my account, which has left me further frustrated and concerned. 

I am requesting a thorough investigation into these unauthorized transactions and a refund of the total amount taken from my account, {$9000.00}. I trust that this matter will be handled with urgency and that my account activity will be thoroughly examined to prevent any further issues. 

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 2025-01-12 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: AR

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AR

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KY

Complaint narrative:
I am writing to formally dispute an error in the reporting of my Lead Bank account XXXX XXXX XXXX XXXX XXXX  ). According to my records, the remaining balance on this account is {$490.00}, yet it is being reported as {$680.00} to all three major credit bureausTransUnion, XXXX XXXX XXXX 

This discrepancy is impacting my credit report, and I would like to request a thorough investigation and correction of this error. I have attached supporting documentation ( if available ) to verify the correct balance, and I respectfully ask that you assist in resolving this matter as soon as possible. 

Please confirm the receipt of this complaint and provide me with an update on the progress of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I saw this account opened and I did not authorize it to be on 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 explanation
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
I saw this account opened and I did not authorize it to be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights.

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Complaint Against American Express - Misuse of Personal Information for Unsolicited Advertisements To Whom It May Concern, I am writing to file a formal complaint against American Express for the misuse of my personal information. On XX/XX/2025, I received an unsolicited advertisement from American Express ( see attached image ) at my address, which suggests that they have accessed and used my personal information without my consent to send targeted marketing materials. 

This practice is not only invasive but also a violation of my privacy rights. I have not given American Express permission to use my information for such purposes, and I find this form of advertising to be harassing. 

I request that the XXXX investigate this matter and take appropriate action to ensure American Express stops this practice. I also seek assurance that my personal information will be removed from their marketing databases and that they will comply with privacy regulations moving forward. 

Please find attached the image of the unsolicited mail I received. Thank you for your attention to this serious matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were under my name but being used and paid by my ex and when we split in 2021 he told me he was still paying but lied and I didnt know until accounts started to be charged off reflecting my credit and I as a single mother did not have the money to resolve the debts he left me with due to his negligence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were under my name but being used and paid by my ex and when we split in 2021 he told me he was still paying but lied and I didnt know until accounts started to be charged off reflecting my credit and I as a single mother did not have the money to resolve the debts he left me with due to his negligence

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 2025-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MA

Complaint narrative:
This complaint concerns a debt attributed to me, originating from a fraudulent lease agreement at XXXX XXXX XXXX XXXX XXXX XXXX. This situation is the result of a mismatch in identities, which I discovered in XX/XX/XXXX while residing in XXXXXXXX XXXX 

Upon learning about this issue, I requested a copy of the leasing contract to investigate whether my identity had been stolen. To my surprise, the documents provided included a copy of a passport belonging to another individual with a different nationality, date of birth, and identityclearly not me. 

On XX/XX/XXXX, I filed an official police report regarding this identity theft. I also reported the issue to XXXX on XX/XX/XXXX, which resulted in a fraud alert being placed on my credit file. 

Despite taking these steps, on XX/XX/XXXX, I received a lease denial from an apartment building, citing a civil case regarding an eviction. Upon further investigation, I realized that the issue with Pro Collect had never been resolved. 

I contacted Pro Collect, and after numerous phone calls, they verbally confirmed that I was not the individual associated with the debt. However, they have refused to provide a written statement acknowledging the error, nor have they offered a timeline for resolving this issue. I have continued to call for updates, but their representatives have been unhelpful, rude, and dismissive, stating only that I must wait. 

On XX/XX/XXXX, I also sent Pro Collect an email with supporting documentation, including : A copy of my passport. 
Proof of residency for the past three years in a different state. 
A copy of the police report filed on XX/XX/XXXX. 
This unresolved error has caused significant harm, including the denial of housing opportunities and ongoing emotional and financial stress. I request the CFPB 's assistance in ensuring that Pro Collect resolves this issue as soon as possible, provides a written acknowledgment of their mistake, and takes all necessary steps to clear my name with any associated credit bureaus and legal entities

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