vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: NV

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job ti
tles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

These accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed XXXX formal disputes with Citi on XXXX different credit cards ( ending in XXXX and XXXX ) related to a custom furniture order from XXXX XXXX XXXX. Despite submitting detailed documentation, including receipts, photos, and written communication, both disputes were denied. 

The merchant failed to complete the order, delivered defective furniture, and caused damage to my apartment. However, XXXX XXXX  reviewed the same case for a third transaction and refunded {$2000.00} in my favor, confirming the legitimacy of my complaint. 

I also filed a complaint with the XXXX XXXX XXXX to which the merchant never responded.

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 2025-05-25 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: NY

Complaint narrative:
I previously reviewed my credit report and submitted a dispute. The dispute came back as updated but when reviewing it nothing was updated. I had a late payments on an account that i in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following date of XX/XX/year> was the discrepancy, and a copy of proof of my payment for that account. I'm now requesting you Investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-05-25 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: NY

Complaint narrative:
I previously reviewed my credit report and submitted a dispute. The dispute came back as updated but when reviewing it nothing was updated. I had a late payments on an account that i in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following date of XX/XX/year> was the discrepancy, and a copy of proof of my payment for that account. I'm now requesting you Investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting a collection account on my credit report for a debt that I do not recognize or believe to be valid. I have not received any prior written notice or proper validation of this debt before it appeared on my credit report. 
Since then, I have been receiving numerous phone calls starting before XXXX XXXX and sometimes continuing until after XXXXXXXX XXXX. Many of these calls are pre-recorded messages or voicemails, and they leave multiple voicemails per day. The calls come from many different phone numbers, often using local area codes near or within my city, making it difficult to document and track their calls. 
Representatives from Portfolio Recovery Associates have used harsh tones and threatening language, including threats to sue me, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Debt collectors are prohibited from using threats of legal action they do not intend to take and from using abusive or harassing language.

I understand that when a debt buyer purchases debt from another company, they must provide proper validation and a complete chain of assignment proving their legal right to collect. Portfolio Recovery Associates has failed to provide such documentation, which means they can not legally enforce payment or report this debt accurately. Reporting unverified debts violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete credit information.

I dispute the validity of this debt and request that Portfolio Recovery Associates cease all collection activity and calls until full documentation validating the debt is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
A scammer was able to commit federal impersonation of a government worker processing payments for rent and deposits. Rent/Deposit money was sent to the scammer that Chime is fully aware of to $ XXXX and was fraudulent including documents and the transaction totaling {$1200.00} on XXXX. Chime is fully aware of the scammers target to compromise the banking account fully and ultimately taking over the victims identity and account. A request/refund was submitted and chime believes that XXXX even though the funds were obtained fraudulently and the victims entire account is compromised, there's nothing there willing to do. Not even open up a dispute. The scammer is a foreigner using different malicious tactics and schemes. The scammer is very confident on the success of the scheme and continues to scale innocent people daily. The scammer is up to at least XXXX people a day, basically charging the accounts for this deposit that doesn't exist and than taking over the victims identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries is impacting my credit score and has been placed on my credit report without my consent, in violation of the FCRA, and I am formally requesting its removal ; if this inquiry can not be verified as authorized by me, I request that it be deleted from my credit file immediately and that my credit file be updated to ensure no further errors are present. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing to formally dispute a debt that you claim I owe to XXXX XXXX. I received a communication from Aldous & Associates on regarding an alleged debt from XXXXXXXX XXXX 
This is not my debt. I have never had any membership or account with XXXX XXXX and therefore do not owe the amount you are attempting to collect. I have no contractual obligation whatsoever to XXXX XXXX. 

Therefore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809, I am formally requesting validation of this alleged debt that is not mine. 

Specifically, I demand that you provide me with the following information : Verification of the basis for this erroneous claim : Please explain the origin of this alleged debt and provide irrefutable documentation demonstrating how you believe I incurred this debt with XXXX XXXX, given that I have never been a member or had an account with them. You are attempting to collect a debt from the wrong individual. 
Documentation of the alleged debt : Please provide copies of any contract, agreement, or other documents that purportedly show I entered into an agreement with XXXX XXXX. This documentation will undoubtedly show that it is not my account or my signature. 
An itemized statement of the alleged debt : This should include the original amount, any added fees, interest, and the current balance. However, I want to be absolutely clear : this is not my debt, and I am not responsible for this balance. 
Proof that I am the party responsible for this debt : Please provide definitive documentation that links this alleged debt to me. As I have never been a member or had an account, you will not be able to provide any legitimate proof that this debt belongs to me. 

Please be advised that under the FDCPA, you are required to cease collection efforts immediately for this debt that is not mine until you provide valid and irrefutable proof that it belongs to me. Failure to provide this information, unequivocally demonstrating that this is my obligation to XXXX XXXX despite my complete lack of any association with them, within the timeframe specified by law will result in further action on my part. 

This is not a refusal to pay a legitimate debt, but a firm and absolute dispute of a debt that is not mine and that I have never incurred. I expect a complete and thorough response to this request within thirty ( 30 ) days of your receipt of this letter, providing undeniable evidence that this debt belongs to me, which I know you will be unable to produce because it is not my debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I don't agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account to be immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and the business addresses of each individual with whom you verified the the above information. Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are highly appreciated. 

Account- XXXXXXXX XXXX XXXXXXXX

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 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Attempted to contact several times, after researching I figured out they are a third party. I paid the original debtor, this out marked it as paid XXXX owed on account but you can not talk to a husband from reviews online you get rude XXXX replies. 

I never owed these creatures, I paid XXXX and have letters to prove it. This needs to be deleted from all my credit reports ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-25 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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