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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 
Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 
Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, a payment was made on my Citi Bank credit card account, originating from a checking account with insufficient funds. The payment was intended to come from a different checking account, which had sufficient funds to cover the transaction. Unfortunately, there were two checking accounts linked to the card, and the system automatically selected the account with insufficient funds. Despite the desired account being set as the " primary '' account, the payment was processed from the wrong account. This issue has occurred before. The checking account with insufficient funds was supposed to be removed after the initial incident, but due to a failed attempt and a complicated user interface, this was not completed. 

Upon realizing the mistake on XX/XX/XXXX, a second payment was made immediately from the correct account, for the same amount. The payment was successfully processed before the due date, ensuring that it was not late. 

Despite this, Citi Bank closed my line of credit, stating that I forfeited my rewards {$1700.00} earned from the previous year and {$270.00} from this year. When I contacted them to request the rewards for the previous year, I was informed that they would not be granted. I also attempted to reopen the credit card to preserve the rewards but was denied. 

It is highly unethical for a major financial institution to withhold rewards that were earned and were just days away from being redeemed, especially when these rewards were earned through responsible use of the card in the prior 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: 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: MD

Complaint narrative:
I am filing a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. Experian has also failed to conduct a proper review, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation.

Furthermore, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as referenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 
I request that the CFPB take action to ensure Equifax and Experian comply with federal law and provide consumers with proper investigation proof.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I been trying to dispute inaccurate information being reported on my credit report with equifax, but they have failed to properly investigate and validate inaccurate information on my credit report.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, I am requesting the deletion and blocking of all accounts that have been compromised or are otherwise connected to this incident. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request the deletion and blocking of information from my credit report that was a result of fraudulent activity or data breaches. I ask that you immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have disputed this on XXXX XXXX XXXX XXXX  XXXX I didn't receive the information that I needed to provide me with a Purchase Agreement, I need the burden of proof. I also need the method of verification, the description of the procedure. I need all the documentation that was retrieved during the investigation that proves that this information is reporting accurately. I asked if they could provide the information within! % days or delete it. According to collections code : 15 U.S. code 1692c, 15 U.S. code 1692g, 15 U.S. code 1681 e ( b ). 


XXXX company as well. 
I have disputed these company 's XX/XX/XXXX XX/XX/XXXX The company is now going through a third party and it has been sold to them according to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union ( XXXX ) and any involved credit reporting agencies regarding the illegal and inaccurate reporting of a charged-off debt that was previously dismissed in court. Despite this, XXXX continues to report a balance, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations.

Violations Committed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting a Balance on a Charged-Off Account ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) My account has been reported as charged off, yet XXXX  continues to report a balance of {$1700.00}. 
Once a debt is charged off, and no collection attempts are being made by the original creditor, a balance should not be reported. 
Account Was Dismissed in Court, Yet Still Being Reported ( FCRA & FDCPA Violations 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1692e ( 8 ) ) XXXX sued me for this debt, and the case was dismissed in court. Despite this, they continue to report the debt. 
Reporting a dismissed debt as valid constitutes misleading and inaccurate information. 
Duplicate Reporting/ Re-aging the Debt ( FCRA Violation 15 U.S.C. 1681c ( a ) ) The same debt appears multiple times on my credit report with different dates of last activity. 
This appears to be a tactic to re-age the debt illegally, making it seem newer than it actually is. 
Inconsistent & Inaccurate Last Activity Dates ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) The reported last activity date differs across entries ( XX/XX/XXXX vs. XX/XX/XXXX ), which is false reporting.

Failure to Issue a 1099-C for Cancellation of Debt ( IRS & FCRA Violation ) If XXXX is reporting this account as a charge-off, they are legally required to issue a 1099-C Cancellation of Debt form if they have canceled the debt and do not intend to collect.

Demands for Immediate Resolution Immediate deletion of this account from my credit reports across all bureaus ( XXXX, XXXX, XXXX ). 
Cease all further reporting of this account, as the debt is not legally valid due to court dismissal. 
Issue a 1099-C if XXXX has truly charged off this debt and does not intend to collect. 
A full CFPB investigation into these violations, including improper credit reporting practices. 
If these issues are not resolved immediately, I will pursue legal representation and file a lawsuit against XXXX and any involved credit reporting agencies for willful noncompliance with the FCRA and FDCPA. 

I expect a written response within 30 days confirming that this account has been removed from my credit report.

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 — Report provided to employer without your written authorization
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Final Dispute Notice Demand for Immediate Deletion of Inaccurate and Unverified Items To Whom It May Concern, This letter serves as my third and final attempt to resolve the numerous inaccuracies and violations of consumer protection laws found in my credit report, as provided by XXXX. I have repeatedly requested that these errors be corrected or deleted, yet XXXX has failed to comply, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX reporting standards. 

The continued presence of these false and unverified accounts and inquiries has severely impacted my financial well-being, including denial of credit and other essential services. As XXXX is already under legal scrutiny due to recent lawsuits, I will not tolerate further neglect or failure to act in accordance with federal law. 

Disputed Items ( Demand for Deletion ) The following items must be immediately deleted, as they have been improperly reported and remain unverified : 1. Collection Accounts & Charged-Off Accounts Several collection and charge-off accounts listed in my report have failed to meet legal verification standards. Under the FCRA, unverified accounts must be removed.

2. Incorrect Personal Information My personal information, including name variations and addresses, contains multiple errors. These inaccuracies contribute to further misreporting.

3. Hard Inquiries Unauthorized and outdated hard inquiries remain on my report, negatively affecting my creditworthiness. These inquiries must be deleted immediately as they were not initiated with my full and verifiable consent. 

Violations & Legal Consequences By continuing to report inaccurate and unverifiable information, XXXX has engaged in : Defamation By publishing false and damaging information that has led to financial harm. 
Negligence By failing to follow reasonable procedures to ensure maximum possible accuracy. 
Willful Noncompliance with FCRA & Metro 2 Standards Resulting in my inability to obtain credit, impacting my livelihood. 

If XXXX fails to comply within 15 days of receiving this letter, I will have no choice but to proceed with legal action, including filing a lawsuit for defamation, willful negligence, and financial damages related to lost opportunities and emotional distress. I will also seek statutory damages, punitive damages, and attorney fees, as allowed under the FCRA. 

This is your final opportunity to correct these violations outside of court. I expect written confirmation that these items have been deleted ( not updated or corrected ) and that my report has been fully rectified. 

Failure to respond appropriately will result in immediate legal escalation. 

Sincerely, 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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
My first and so far only contact with synerprise consulting services has been a text message.They have not emailed or attempted contact by telephone. I'm told this is illegal, and that they must call first. I have had no emails or phone calls from the " XXXX XXXX XXXX '' they claim they represent.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume 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 2025-03-05 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: NY

Complaint narrative:
Subject : Complaint Regarding Credit Bureau Violation of XXXX XXXX  XXXX XXXX XXXX on Medical Debt Reporting To Whom It May Concern, I am filing this complaint against Experian, Equifax and Transunion for their failure to comply with XXXX XXXX  XXXX XXXX XXXX, signed into law by the Governor of XXXX XXXX This law explicitly prohibits credit bureaus from including medical debt on credit reports for XXXX XXXX residents. Despite this clear legal mandate, XXXX has improperly included medical debt in my credit report, negatively impacting my credit standing. 

I have attempted to resolve this issue by disputing the inaccurate reporting directly with Experian, Equifax and Transunion, but they have failed to remove the medical debt from my report as required by Senate Bill S4907A. This constitutes a clear violation of my consumer rights under New York XXXX law. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary steps to ensure that Transunion, Experian and Equifax complies with Senate Bill S4907A by promptly removing all medical debt from my credit report. Additionally, I seek confirmation that my rights under this law will be upheld in the future. 

I appreciate your prompt attention to this issue and look forward to your response. Please let me know if you require any further 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