vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
They are being listed as follows : XXXX XXXX XXXX Acct # XXXX Amount : {$1800.00} Opened XX/XX/year> The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 
LATE PAYMENT CREDITORS ACCOUNT NUMBERS XXXX XXXX  Account Number XXXX Dates reported late and inaccurate : XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am submitting this formal dispute regarding inaccuracies reported by TransUnion, XXXX, and XXXX concerning account XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy, consistency, and completeness in credit reporting. 

Discrepancies Identified : Inconsistent High Balance : High balance reported as {$270.00} contradicts the secured credit card limit of {$500.00}. 

Missing Verification Dates : XXXX and XXXX fail to provide a " Last Verified '' date.

Conflicting Account Remarks : TransUnion and XXXX list contradictory remarks ( " Charged off as bad debt '' vs. " Dispute resolved '' ), while XXXX adds further discrepancies ( " Account was in dispute - now resolved '' ). 

Erroneous Payment History : XXXX lists 64 instances of being 90 days late, which is implausible given the timeline.

Account Type Variations : Inconsistent classification of the account type ( e.g., " Secured credit card '' vs. " Credit line secured '' ).

Date of Last Activity Discrepancies : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) report conflicting dates. 

Creditor Type Variations : TransUnion and XXXX list " Bank Credit Cards, '' while XXXX states " All Banks. '' These inaccuracies violate 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) of the FCRA, which require accurate, verifiable, and consistent reporting. 


[ XXXX XXXX ] XX/XX/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 2025-01-10 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am submitting this formal dispute regarding inaccuracies reported by XXXX, Experian, and XXXX concerning account XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy, consistency, and completeness in credit reporting. 

Discrepancies Identified : Inconsistent High Balance : High balance reported as {$270.00} contradicts the secured credit card limit of {$500.00}. 

Missing Verification Dates : Experian and XXXX fail to provide a " Last Verified '' date.

Conflicting Account Remarks : XXXX and Experian list contradictory remarks ( " Charged off as bad debt '' vs. " Dispute resolved '' ), while XXXX adds further discrepancies ( " Account was in dispute - now resolved '' ). 

Erroneous Payment History : XXXX lists 64 instances of being 90 days late, which is implausible given the timeline.

Account Type Variations : Inconsistent classification of the account type ( e.g., " Secured credit card '' vs. " Credit line secured '' ).

Date of Last Activity Discrepancies : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) report conflicting dates. 

Creditor Type Variations : XXXX and Experian list " Bank Credit Cards, '' while XXXX states " All Banks. '' These inaccuracies violate 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) of the FCRA, which require accurate, verifiable, and consistent reporting. 


[ XXXX XXXX ] XX/XX/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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Account #, date last active, Payment History, Past Due, Payment Status Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : XXXX I have attached a copy of my ID and billing statement for verification purposes.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Account XXXX, date last active, Payment History, Past Due, Payment Status Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : XXXX I have attached a copy of my ID and billing statement for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
My father gave me a {$200.00} gift card that he purchased at probably a XXXX grocery store a few years ago. The card doesn't expire until XX/XX/2030 so we put it away to use later. When we finally did try to use it, it got denied. We called the company XXXX XXXX and all they would say was that they flagged the card for fraud and that we would need to use their website to start a process to get a new card from them. They walked me through using their website but in the end it always " fails '' to submit the request. So they said I can download the " XXXX '' app on my app store to send them my license and photos of the card. This did not seem safe at all. I found multiple reddit posts accusing this company of the same issues and that CFPB was the only way to do anything about it.

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 2025-01-10 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:
METHOD OF VERICATION REQUESTED & DEBT VALIDATION CLAIM : According to the Fair Credit Reporting Act 15 USC 1692 ( g ) & 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am disputing the inaccuracy on my credit report. I previously requested a description of the procedure which was used to verify and determined the accuracy of the information regarding this alleged debt that I never received. Therefore, I am requesting a description on the procedure that was used to determine the accuracy and completeness of the information that I disputed. 
Who did XXXX interview regarding this account? 
How did you come to this determination? 
Please send me a full payment history of this account A copy of any insurance claims on this alleged debt A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! 

XXXX XXXX Account Number : XXXX Please remove from my credit report. 

According to the Fair Credit Reporting Act, I hereby request that you investigate and delete THIS from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 5 days of receiving this letter. 
Thank you for your assistance and attention to this matter. I represent myself without any third parties or credit repair agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
METHOD OF VERICATION REQUESTED & DEBT VALIDATION CLAIM : According to the Fair Credit Reporting Act 15 USC 1692 ( g ) & 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am disputing the inaccuracy on my credit report. I previously requested a description of the procedure which was used to verify and determined the accuracy of the information regarding this alleged debt that I never received. Therefore, I am requesting a description on the procedure that was used to determine the accuracy and completeness of the information that I disputed. 
Who did XXXX interview regarding this account? 
How did you come to this determination? 
Please send me a full payment history of this account A copy of any insurance claims on this alleged debt A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! 

XXXX XXXX Account Number : XXXX Please remove from my credit report. 

According to the Fair Credit Reporting Act, I hereby request that you investigate and delete THIS from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 5 days of receiving this letter. 
Thank you for your assistance and attention to this matter. I represent myself without any third parties or credit repair agencies.

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 2025-01-10 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt 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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have a credit card with Self Inc. Im having trouble making payments due to financial hardship and I can not get in contact with this company. I have called the number several times and when I prompt to be transferred to a representative the line disconnects. This has been happening for weeks and Im not sure how else to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Cease and Desist Demand for Collection Activities Account Number : XXXX Dear Midland Credit Management , Inc, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter.

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone.

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter.

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue.

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above.

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> chase XXXX transaction was {$200.00} sent to a unknown person number sent to was XXXX ( XXXX ) XXXX in new york.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2025-01-10 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 contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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