vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: MI

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Received notification of debt XX/XX/XXXXXXXX  Sent response in writing ( attached document ) by USPS Certified Mail with return receipt signed by their agent on XX/XX/XXXXXXXX  requesting validation of debt per 15 USC 1692g Sec. 809 ( b ) of FDCPA within 30 days. No response. 
Open FTC case XXXX on XX/XX/XXXX and they requested validation of the debt. I advised that validation request had been sent but response not received. They advised me to send letter to credit bureau to remove collection and notify collection company of the FTC investigation. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX with Javitch Block LLC filed debt claim case in XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/XXXX. They showed cause was installment contract with XXXXXXXX XXXX XXXX  signed on XX/XX/XXXXXXXX  for {$5500.00}. No original contract, no signature page, no other details. I forwarded this information to FTC and they again requested full validation to investigate. 
I responded to court on XX/XX/XXXXXXXX  with a defendants answer - debt claim case ( attached ) again stating an affirmative defense that the plantiff was subject to FDCPA 15 USC 1692 Sec 809 ( b ) and a debt validation request was sent within 7 days of initial contact but they did not respond within 30 days. I again stated my plea that this is not my account, I am a victim of identity theft and provided details of my filing, stated I did not have a contact with this collector or this bank, and stated the have not validated the debt nor shown their right to collect upon in in this court. 

on XX/XX/XXXX I received a packet from plantiff that included approx 30 pages of white paper with black redacted blocks showing only one line of code with my name and address. No original creditor name, no original signature, no details of my personal information, no proper debt validation. 

On XX/XX/XXXX, I drafted a motion to dismiss for the court. I am to appear for pre-trail readiness in which I intend to show that the plantiff did not provide validation as requested or any actionable data to help FTC to investigate this claim. I am not an attorney so I am very uncertain what will follow ( attached ). 

Court scheduled XX/XX/XXXXXXXX  at 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 2025-03-05 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: GA

Complaint narrative:
I have reviewed my credit report and believe this information is inaccurate, incomplete, or unverifiable. Pursuant to 15 U.S. Code 1681i, I request the immediate deletion of this item from my credit report, as it does not accurately reflect my credit history or the facts of the matter. I have also been included in several data breaches.

The credit bureau fails multiple times to acknowledge this inaccuracy.

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 2025-03-05 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: GA

Complaint narrative:
I have reviewed my credit report and believe this information is inaccurate, incomplete, or unverifiable. Pursuant to 15 U.S. Code 1681i, I request the immediate deletion of this item from my credit report, as it does not accurately reflect my credit history or the facts of the matter. I have also been included in several data breaches.

The credit bureau fails multiple times to acknowledge this inaccuracy.

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 2025-03-05 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: Continental Services Group, Inc. d/b/a ConServe
State: MD

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: AZ

Complaint narrative:
I was working out at XXXX XXXX XXXXXX/XX/year> my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXXXXXX XXXX XXXXXXXX {$1000.00} act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XXXX # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was working out at XXXX XXXX XXXXXX/XX/year> my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, Capital One {$3700.00} act # XXXXXXXX XXXX XXXX  {$1000.00} act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  {$690.00} XXXX # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was working out at XXXX XXXX XX/XX/2019 my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXX, Citicards CBNA {$1000.00} act # XXXX, XXXX $ XXXX, XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$96.00} act # XXXX, XXXX XXXX XXXX XXXX {$690.00} act # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXXk, XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-05 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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive performed and investigated my credit report and found several items to be inaccurate. 

My credit report shows XXXX XXXX XXXX XXXX  month of XX/XX/year> as a late payment. I have disputed this payment as on time and have never had a late payment on my credit report with this mortgage company. 


Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX. LATE payment XX/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 2025-03-05 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : 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 2025-03-05 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-05 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: MS

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-03-05 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: MS

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/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 2025-03-05 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes with XXXX XXXX XXXX XXXX regarding inaccuracies in my credit report ( re-aging collections ) Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I've received a letter on XX/XX/year>XXXX  from Radius Global Solutions LLC a debt collection group care of XXXX. The bill was {$5600.00}, but last month I've received a call from XXXX XXXX XXXX suggesting that I should pay a lump sum under {$3000.00}. In the past, I've made payments until stopped hearing from them and then a few years later they started back to charging me calling, emailing, and by postal. I shouldn't have to pay anything because this college is a for-profit and has mis-led me to believe that I could get a career but later they cut me off from trying go back. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not a good college to go either online or in-person, because they done care how good you are, they will make it seem like you're never better, they're known to also be XXXX and to prove my point one of the online instructors didn't believe that a XXXX XXXX named XXXX XXXX XXXX ever was an XXXX. I've tried to make up because I was in house fire and had to stay at a hotel. But they didn't care and just drop me. If anyone that has Private Student loan from for-profit schools leave because these people work with greedy banks and bill collection companies that will sell your name to bill 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 2025-03-05 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: GA

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 XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX, XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-05 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: DC

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 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 response to consumer: Closed with non-monetary relief