vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: VA

Complaint narrative:
In XXXX XXXX XXXX I received a communication from Pro Collect XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an alleged debt. The notice did not include sufficient information to identify the origin, amount, or creditor of the alleged debt. 

I have no knowledge of this debt and have not received any previous bills or documentation supporting its validity. On XX/XX/XXXXXXXX XXXX XXXX  I sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I requested verification of the amount owed, the name of the original creditor, and documentation proving I agreed to the debt, including any signed agreements or judgments.

To date, Pro Collect LLC has not provided the required documentation. Despite my request, they have continued to pursue the debt, which may include attempts to report it to credit bureaus or contact me further without proper validation. 

I am requesting that this matter be investigated, that collection efforts be paused until full validation is received, and that any attempts to negatively impact my credit report be halted 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Considering I had no part in opening these fraudulent accounts and was ignorant of their existence, I ask that they be deleted from my credit report. I request that they be deleted within 15 days in accordance with USC 1681g. Attached are supporting materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a written dispute to Experian on XX/XX/year> requesting the removal of inaccurate addresses from my credit report, providing my name, current address, and proof of address. 

Experian responded by email refusing to investigate, falsely claiming the request was not from me. 

I then mailed a second dispute on XX/XX/year> with my Social Security card and utility bill included as additional identification. Despite that, Experian again sent a stall letter via email refusing to reinvestigatea direct violation of the Fair Credit Reporting Act. 

Also as of XX/XX/year> I received another email Stating that they will not investigate This behavior violates : FCRA 611 ( a ) failure to reinvestigate within 30 days FCRA 609 ( a ) failure to properly validate and respond FCRA 607 ( b ) failure to ensure maximum possible accuracy I am requesting immediate intervention.

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 2025-05-12 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to demand the immediate blocking and deletion of the XXXX auto loan account ( Account Number : XXXX ) from my credit report due to a suspected data breach or identity theft that may have led to fraudulent activity. 

Account in Question : XXXX, Account Number : XXXX I recently reviewed my Experian credit report ( dated XX/XX/year> ) and discovered this account listed as charged off, which I believe may be the result of unauthorized use of my personal information following a data breach. I do not recognize this account as legitimate, and its presence on my report has caused significant harm to my credit score. 

This request is made under the following Fair Credit Reporting Act ( FCRA ) provisions : XXXX XXXX XXXX ( a ) : Requires blocking of information resulting from identity theft. I demand this account be blocked immediately if tied to fraud. 
XXXX XXXX XXXX : Entitles me to dispute and delete inaccurate or unverifiable information. Investigate and remove this account if it can not be verified. 
XXXX XXXX XXXX ( b ) : Mandates reasonable procedures to ensure accuracy. Review my report and correct any inaccuracies linked to this breach. 
XXXX XXXX XXXX ( a ) : Grants me access to my full consumer report to identify inaccuracies from this breach. Provide this report immediately. 
XXXX XXXX XXXX : Ensure no negative information from the breach is reported inappropriately. 
XXXX XXXX XXXX : I reserve the right to seek damages for FCRA violations if you fail to comply. 
Confirm receipt of this letter and provide written confirmation of actions taken within XXXX  days. I also demand an update on measures youre implementing to protect my personal information. I have attached my Experian report and will include an FTC Identity Theft Report if needed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I was unaware of these inappropriate accounts and did not authorize their creation, kindly remove them from my credit record. I ask that they be removed within XXXX  days in accordance with USC 1681g. Supporting documentation is attached.

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 2025-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Alto XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX An unauthorized withdrawal of {$1500.00} debited from my High Yield Savings Account on XX/XX/year>. 
Despite repeated notifications to BMO Alto ( including calls multiple times every single month since XX/XX/year>, XXXXXXXX XXXX  has failed to resolve this matter and has now sent me a false and misleading letter claiming I did not report this issue in a timely manner.

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 monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
Debt isn't mine. I have not knowledge of First Tech company debt whatsoever.

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment that included an international transaction fee. The payment 's transaction ID is XXXX, and the international transaction fee had a separate transaction ID : XXXX. 

On XX/XX/XXXX, the original payment was fully refunded ( Transaction ID : XXXX ). However, the international transaction fee was not refunded along with it. 

When I inquired about the fee, I was informed that it was non-refundable. I asked multiple times to be provided with the policy that explains this, but I never received a response or a copy of the policy. Given that the original payment was reversed, I am requesting that the associated international transaction fee also be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
COMPLAINT TO CFPB INCONSISTENT LATE PAYMENT ON OPEN ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX To : Consumer Financial Protection Bureau COMPLAINT : INCONSISTENT LATE PAYMENT REPORTING ON OPEN XXXX ACCOUNT FCRA VIOLATIONS Dear CFPB, I am filing this complaint in reference to an active credit card account with XXXX ( XXXX ) ending in XXXX XXXX XXXXXXXX, which is reporting inconsistent and potentially inaccurate late payment information. 

This account is still open and actively paid, yet XXXX and TransUnion report a 30-day late payment for XX/XX/XXXX, while XXXX reports no delinquency at all. Additionally, the monthly payment amount is being reported differently across bureaus, ranging from {$130.00} to {$140.00}. 

Account Snapshot : Creditor : XXXX ( XXXX ) Account Opened : XX/XX/XXXX Status : Open and revolving Balance : ~ {$4500.00} Monthly Payment ( conflict ) : {$130.00} ( XXXX ), {$140.00} ( XXXX XXXX TransUnion ) Late Payment Reporting : XXXX : No late payments XXXX : 30-day late in XX/XX/XXXX TransUnion : 30-day late in XX/XX/XXXX Reported as Paid As Agreed on XXXX, Past Due on Others VIOLATIONS OF FCRA : FCRA 1681e ( b ) Maximum Possible Accuracy Credit bureaus must report with maximum possible accuracy. This conflicting late payment and monthly payment reporting creates confusion and financial harm. 

FCRA 1681i ( a ) Right to Dispute Inaccuracies I have the right to dispute any data that is not complete or accurate. These discrepancies were not properly corrected across bureaus. 

FCRA 1681s-2 ( b ) Duties of Furnishers of Information XXXX, as the data furnisher, has the obligation to ensure that updates are reported consistently to all CRAs. That is not happening here.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a formal notice and lawful summary disputing the reporting of inaccurate, outdated, and non-mailable addresses listed on my consumer credit file. The only accurate and mailable address that shall be reported on my credit profile is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting non-current, unverifiable, or non-mailable addresses is a direct violation of this provision.

Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute by a consumer regarding the completeness or accuracy of any item of information contained in their file, the agency is obligated to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to correct or delete the information accordingly. 

The continued reporting of unverifiable and inaccurate addresses on my credit file places me at high risk of identity theft, financial harm, and fraud exposure, for which the consumer reporting agencies will be held civilly liable. As outlined under 15 U.S.C. 1681n and 1681o, credit bureaus that willfully or negligently fail to comply with the FCRA are liable for actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, you are hereby instructed to immediately delete all non-current, incorrect, or non-mailable addresses from my credit profile and update your records to reflect only the correct and mailable address listed above. Attached is my NC Identification Card with my only and correct address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Failure to comply will constitute ongoing violations under the FCRA and subject you to liability under federal law. 

Sincerely, 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : XXXX XXXX  In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per XXXX U.S.C. Sec. XXXX ( a ), you are required to complete this reinvestigation within XXXX  days of receiving this letter. 

Kindly send an updated copy of my credit report to the provided address. As per the act, there should be no charge for this updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: NM

Complaint narrative:
XXXX XXXX XXXX, a purchase was made on XX/XX/year>, I did not make any purchases from XXXX ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief