vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
* Subject : Formal Dispute and Request for Removal of Inaccurate Account * * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or full account number from your report ] To Whom It May Concern : I am writing to formally dispute the accuracy of the following account listed on my credit report due to * * XXXX XXXX compliance violations * * and * * material inaccuracies * *. Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and * * deleted or corrected immediately * *.

# # # * * Violations Identified : * * 1. * * Inconsistent Charge-Off Dates * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2 Violation : * * Section 3.2.3 requires uniform reporting of charge-off dates. This discrepancy misrepresents the account status and harms my creditworthiness.

2. * * Mismatched Balances * * - * * Line XXXX : * * {$0.00} ( XXXX ) vs. {$2.00} ( XXXX ) - * * Line XXXX : * * {$500.00} ( XXXX ) vs. {$0.00} ( XXXX ) - * * XXXX XXXX Violation : * * Section 4.1 mandates accurate balance reporting. Conflicting amounts violate compliance standards. 
3. * * Non-Standardized Remarks * * - Experian : * Unpaid balance reported as a loss by the credit grantor * XXXX XXXX  : * Charged off account Charge * - * * XXXX XXXX Violation : * * Section 3.5.1 requires uniform remarks. Inconsistent descriptions create consumer confusion.

4. * * Incomplete Payment History * * - Only 6 months of OK statuses are reported, but XXXX XXXX requires a * * full 24-month payment history * * ( Section 5.2 ).

5. * * Date Discrepancies * * - * * Last Payment Date : * * XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( XXXX  ) - * * Activity Date : * * XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Actions : * * - * * Delete the account XXXX XXXX  from my credit file due to systemic inaccuracies and non-compliance with XXXX XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-08 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: NV

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  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/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 2025-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERCAIN EXPRESS SERVE prepaid cards received my tax refunds from TAX ACT. I called several times unable to access my funds. Each time I am told the card will now work. Each time the cards will not work. I have used these refund card several times. It only gets worse. I am broke and need my money now. The phone system is designed to not allow you to fix any thing. The human if you can get one speaks pretty good english. But they can't or wont actually fix my cards. I can excess both my cards online. I can see my balances and account numbers every thing looks correct no errors. I can not us the ATM at all. I transerved my funds twice using my XXXX XXXX account online. Both were reversed by SERVE. Even after activating my account the second time. I believe they refuse to allow access my funds on purpose to collect fees and interest. The last thing I tried is to create a file transfer to my XXXX account. It has not cleared their approval system. I hope they do not use that info to steel my funds from XXXX. I called at least 3 times recently. Every year it is difficult. but now 100 % nonfunctional. I would hire a lawyer but I have no money. NEVER USE SERVE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, RE : IMMEDIATE DISPUTE AND DEMAND FOR DELETION - PORTFOLIO RECOVERY SERVICES & PORTFOLIO RECOVERY ASSOCIATES - FTC Identity Theft Report No. XXXX This is my first and only formal dispute regarding the fraudulent accounts reported by : Portfolio Recovery Services, allegedly opened around XX/XX/XXXX, reported balance {$550.00}. 
Portfolio Recovery Associates, allegedly opened around XX/XX/XXXX, reported balance {$300.00}. 

I did NOT authorize, open, or consent to any contract with these companies. I demand the immediate permanent deletion of these accounts from all credit bureaus under the following laws : FCRA 15 U.S.C. 1681c-2 ( Section 605B ) : Mandates blocking of fraudulent accounts upon receipt of an identity theft report.

FCRA 15 U.S.C. 1681i ( a ) : Requires reinvestigation and deletion if the information can not be verified.

FCRA 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy.

FCRA 15 U.S.C. 1681b ( f ) : Prohibits the use of consumer reports without a permissible purpose. 

I also formally demand : The forward flow agreements showing how these debts were assigned. 
The complete chains of assignments proving legal right to collect. 
Copies of any signed contracts I allegedly executed which I assert do not exist. 

If you fail to comply within 30 days, you will be in willful violation of federal law, exposing your companies to statutory damages under 15 U.S.C. 1681n and 1681o. 

Attached : FTC Identity Theft Report XXXX. XXXX ( attached for verification ). 

This is your final notice. I demand written confirmation that these fraudulent accounts have been deleted and permanently blocked across all credit bureaus. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-08 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: PA

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 XXXX 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 explanation
Consumer complaint received 2025-05-08 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: PA

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 XXXX 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 2025-05-08 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: CA

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
Complaint Regarding Unverified Accounts and Failure to Validate Debts Request for Full Reinvestigation and Removal To Whom It May Concern : I am filing this formal complaint against Experian and the following debt collection companies : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) These accounts are currently reporting negatively on my credit file with Experian. I am disputing these accounts for the following reasons : 1. No Validation of Debt Provided Despite requesting validation from each of these debt collectors, I have never received any proof of the alleged debts, including : A signed contract or agreement showing I am responsible for the debt A full accounting of the debt The name and address of the original creditor This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ), which requires debt collectors to provide validation upon request. 

2. No Knowledge or Agreement to These Accounts I do not have any knowledge of these alleged accounts. I have never entered into any agreement with these companies, and I dispute the accuracy and legitimacy of all three accounts.

3. Failure by Experian to Properly Investigate Experian is reporting these accounts without confirming their accuracy. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable reinvestigation when an account is disputed Delete or correct any unverifiable or inaccurate information within 30 days Despite my previous disputes, Experian has failed to either verify or remove these accounts. No documentation has been sent to confirm that any reasonable investigation took place.

Requested Relief : That Experian initiate a new and thorough reinvestigation of each of the three disputed accounts That XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX be required to validate the debts with complete documentation or remove the accounts That all unverifiable and inaccurate information be permanently deleted from my Experian credit report That all findings of the investigation be sent to me in writing Legal Reference Summary : FDCPA ( 15 U.S.C. 1692g ) : Requires debt collectors to validate debts upon request FCRA ( 15 U.S.C. 1681i ) : Requires credit bureaus to reinvestigate disputed information and remove unverifiable data FCRA ( 15 U.S.C. 1681e ( b ) ) : Requires credit bureaus to ensure maximum possible accuracy of the information they report I expect full compliance with the law, and I request the CFPB to assist in ensuring that my rights are not violated by either the data furnishers or the credit reporting agency.

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 2025-05-08 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: PA

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next XXXX  days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Date : XX/XX/year>XXXX  To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Dispute Unauthorized Collection Accounts Reporting on My Equifax Credit File Dear Equifax Dispute Department, I am writing to formally dispute the presence of multiple unauthorized collection accounts currently reporting on my Equifax credit file. These accounts are not mine, and I am demanding that they be permanently deleted in accordance with federal law. 
I recently became aware that I am a victim of multiple identity theft incidents, including exposure through the Equifax data breach. As a beautician by trade, Ive never needed to rely on credit, as I operate primarily with cash payments. I have never opened or authorized the following accounts, which are now harming my credit report : Disputed Collection Accounts : 1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX {$1400.00} Applicable FCRA Laws and Legal Justification for Permanent Deletion : 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Equifax must maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Reporting accounts that were fraudulently opened violates this statute. 
15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft When identity theft is reported and properly documented, Equifax is required to permanently block the fraudulent information from reappearing on the credit file.

15 U.S.C. 1681b Permissible Purpose Consumer reports can only include information obtained for a lawful and authorized purpose. None of these accounts were authorized by me.

15 U.S.C. 1681n & 1681o Civil Liability for Willful or Negligent Noncompliance If Equifax fails to comply with these provisions, it is subject to civil liability, including statutory and punitive damages. 

My Formal Requests : 1. Immediately and permanently delete all three collection accounts listed above from my Equifax credit file 2. Block these accounts from being reinserted under 15 U.S.C. 1681c-2 3. Provide me with a written confirmation that these accounts have been deleted 4. Ensure that all further actions taken on my file are compliant with FCRA obligations Please consider this letter as part of my formal identity theft claim. I will be submitting my FTC Identity Theft Report and supporting documents, including my ID and Social Security card, as part of my complete dispute package. I expect swift and lawful action in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX, Date of Birth :XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. These fraudulent accounts consist of a personal loan at XXXX XXXX under the account XXXX, personal loan at XXXX XXXX under the account XXXX, personal loan at XXXX under the account XXXX, a credit card at XXXX XXXX XXXX under the account XXXX, personal loan at XXXX XXXX under the account XXXX and a loan at XXXX XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation