vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
DEBT VALIDATION LETTER This letter is being sent to you in response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Request for Immediate Deletion of My Account and Personal Information Hello, Since XX/XX/XXXX, I have repeatedly attempted to verify and access my account by uploading my ID and photo. Despite multiple attempts, you continue to incorrectly state that my phone number verification has issues and claim its not under my name. On XX/XX/XXXX, after contacting customer support, I was told that the deposit verification would be resent ; instead, my account appears to have been deleted, preventing any further verification or account access. 

Given these unacceptable issues and your mishandling of my personal data, I am requesting that you immediately and permanently delete my account and all associated personal information from your systems. Please confirm once this deletion has been completed. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Experian, TransUnion, and Equifax are in blatant and constant violation of 15 USC 1681i and 15 USC 1692g, having willfully failed to provide proper verification of a disputed collection account ( s ) despite multiple written demands. I am demanding that they delete the following accounts : XXXX XXXX  Account number : XXXX DELETE IMMEDIATLEY XXXX  XXXX  Account number : XXXX DELETE IMMEDIATLEY Their continued noncompliance constitutes a direct breach of federal law and consumer rights. These accounts are not metro to compliance, and should've been deleted already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
CFPB XXXX XXXX CARMAX XXXX : CarMax Account Number ( last XXXX digits ) : XXXX Amount in Dispute : {$2600.00} Date Opened : XX/XX/XXXX Type : Auto Loan ( XXXX ) What Happened : CarMax is illegally re-aging this account and continuing to report false and harmful data in violation of the Fair Credit Reporting Act ( FCRA ). This account was charged off in XX/XX/XXXX, yet CarMax continues to : Report Charge Off monthly entries through XX/XX/XXXX Show the account as actively past due, long after charge-off Refresh the last reported date every month to make the debt appear more recent Report the account with a {$2600.00} balance and {$0.00} payments since XXXX, falsely implying ongoing delinquency List the accounts expiration date as XX/XX/XXXX, based on re-aged data I have already disputed this item through the credit bureaus, and CarMax responded XXXX they completed the investigation, but made no corrections. This means they are knowingly reporting false and misleading information. 

Why This Is a Problem : FCRA 605 ( c ) requires that the XXXX reporting period begins at the date of first delinquency not the date of charge-off or their last update. They are illegally re-aging the debt by continuing to report it as updated. Their actions are deceptive, damaging, and have affected my credit standing and financial opportunities. 


Supporting Notes : No payments have been made since XXXX Account was charged off over XXXX years ago CarMax is using monthly updates to manipulate the date of default XXXX dispute was ignored without legitimate resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-14 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$700.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
Issue Type : Credit reporting Improper use of my report/ incorrect information on my report Complaint Summary : I am submitting this complaint as a documented victim of identity theft. On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report Number : XXXX, XXXX ) identifying several fraudulent accounts opened in my name. Despite providing Experian with this documentation, they have failed to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts Still Being Reported by Experian, Equifax, and Transunion : Numerous credit card accounts Violations Committed by Experian : 1. 2. 3. Failure to Block Fraudulent Accounts ( FCRA 605B / 15 U.S.C. 1681c-2 ) : Experian did not block the fraudulent information within four ( 4 ) business days after receiving my identity theft report, as required by law.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : Experian has not performed a timely or thorough investigation and has failed to notify me of the outcome of my disputes. 
Negligent Reporting of Identity Theft Accounts ( 18 U.S.C. 1028A ) : Experian continues to report accounts that were fraudulently opened, even after receiving documentation, demonstrating negligent handling of sensitive identifying information.

4. 5. Unlawful Delays ( FCRA 611 ) : Experian has delayed processing by repeatedly requesting unnecessary documentation, failing to meet legal deadlines, and using stall tactics. 
Failure to Safeguard Consumer Information ( 15 U.S.C. 6801 and 1681e ) : I believe Experian failed to implement reasonable safeguards to protect my personal data, which may have contributed to my identity being compromised.

Impact : Due to Experians failure to act, I have suffered financial and emotional harm, including : Denial of credit Increased anxiety and emotional distress Ongoing financial instability Requested Resolution : 1. 2. 3. 4. 5. Immediate and permanent removal of the fraudulent accounts listed above.

Written confirmation of the account deletions and a statement ensuring they will not reappear. 
Acknowledgment of Experians failure to comply with 15 U.S.C. 1681c-2 and 1681i.

A cease-and-desist order from reporting or sharing any of the fraudulent information.

A written explanation of the measures Experian is taking to prevent further harm and protect personal consumer data. 
Supporting Documents Provided : FTC Identity Theft Report ( Report No. XXXX, XXXX ) Declaration : I affirm that the information provided in this complaint is accurate to the best of my knowledge, and I respectfully request that the CFPB intervene to ensure Experian complies with its legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
Issue Type : Credit reporting Improper use of my report/ incorrect information on my report Complaint Summary : I am submitting this complaint as a documented victim of identity theft. On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report Number : XXXX, XXXX ) identifying several fraudulent accounts opened in my name. Despite providing Experian with this documentation, they have failed to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts Still Being Reported by Experian, Equifax, and Transunion : Numerous credit card accounts Violations Committed by Experian : 1. 2. 3. Failure to Block Fraudulent Accounts ( FCRA 605B / 15 U.S.C. 1681c-2 ) : Experian did not block the fraudulent information within four ( 4 ) business days after receiving my identity theft report, as required by law.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : Experian has not performed a timely or thorough investigation and has failed to notify me of the outcome of my disputes. 
Negligent Reporting of Identity Theft Accounts ( 18 U.S.C. 1028A ) : Experian continues to report accounts that were fraudulently opened, even after receiving documentation, demonstrating negligent handling of sensitive identifying information.

4. 5. Unlawful Delays ( FCRA 611 ) : Experian has delayed processing by repeatedly requesting unnecessary documentation, failing to meet legal deadlines, and using stall tactics. 
Failure to Safeguard Consumer Information ( 15 U.S.C. 6801 and 1681e ) : I believe Experian failed to implement reasonable safeguards to protect my personal data, which may have contributed to my identity being compromised.

Impact : Due to Experians failure to act, I have suffered financial and emotional harm, including : Denial of credit Increased anxiety and emotional distress Ongoing financial instability Requested Resolution : 1. 2. 3. 4. 5. Immediate and permanent removal of the fraudulent accounts listed above.

Written confirmation of the account deletions and a statement ensuring they will not reappear. 
Acknowledgment of Experians failure to comply with 15 U.S.C. 1681c-2 and 1681i.

A cease-and-desist order from reporting or sharing any of the fraudulent information.

A written explanation of the measures Experian is taking to prevent further harm and protect personal consumer data. 
Supporting Documents Provided : FTC Identity Theft Report ( Report No. XXXX, XXXX ) Declaration : I affirm that the information provided in this complaint is accurate to the best of my knowledge, and I respectfully request that the CFPB intervene to ensure Experian complies with its legal obligations.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I am filing a complaint regarding the inaccurate, unverified, and improperly reported debt information on my consumer credit reports. The reporting agencies and debt collectors involved have violated several federal consumer protection laws including : FDCPA 809 ( b ) : They failed to provide adequate debt validation upon request.

FCRA 1681i and 623 ( a ) : They continued reporting inaccurate information without proper investigation or dispute notations.

HIPAA 45 CFR 164.502 : Medical debt was shared with third-party debt collectors without proper authorization.

Despite my written disputes and requests for validation, the accounts remain on my credit report with incomplete or misleading information. I request a full investigation, deletion of unvalidated accounts, and penalties for any verified violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-14 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:
I am a victim of identity theft. The item ( s ) listed below were fraudulently opened or used without my knowledge or authorization and should not be associated with my credit report : Creditor Name : 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  Reason for Dispute : Identity theft I did not open or authorize this account.

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 2025-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I saw hard enquirers from different institutions that I'm not aware of and didn't gave authorized for my credit to be pull.

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