vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
b"I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.\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 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 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 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 2025-04-24 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: 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 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 2025-04-24 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: AZ

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the charged-off account listed above, which appears on my credit report. I am requesting a thorough investigation and complete verification of this account under my rights as outlined by federal law.

According to the Gramm-Leach-Bliley Act, particularly 15 U.S.C. 6801, financial institutions are required to protect the security and confidentiality of their customers nonpublic personal information. Additionally, under 15 U.S.C. 6802, you are prohibited from disclosing my financial information to nonaffiliated third parties without proper notice and consent. 
Given this, I am requesting the following : 1. Full validation of the alleged debt, including a signed agreement bearing my signature that created the debt, a full accounting of the balance claimed, and documentation that supports your legal right to collect or report this debt. 
2. The original creditors privacy policy at the time of account creation, demonstrating how my information was used and shared, in compliance with the above statutes.

3. Evidence that any third-party debt collectors or credit reporting agencies received my information in compliance with 15 U.S.C. 6802 ( i.e., with notice and the opportunity to opt-out, if applicable ). 
Until you provide the requested information and proper validation, I am asserting my rights under the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act and requesting that this item be removed on all credit reporting furnished to any consumer reporting agencies. 
Please respond to this dispute in writing within the timeframe required by law. If you can not provide the documentation and validation requested, I respectfully request that this account be deleted from my credit report and any collection activities be ceased. 
Thank you for your prompt attention to this matter. Please communicate in writing only. I look forward to your timely response.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/year> I initiated two banks transfers from XXXX XXXX to my XXXX  account. One was the amount of {$91.00}, and the other was {$1200.00}. The money was taken from my XXXXXXXX XXXX XXXX XXXXXX/XX/year>, yet XXXX keeps saying its not showing. Still not transferred. Ive asked XXXX numerous to deposit my bank transfers. Still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-24 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: MD

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 2025-04-24 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: CA

Complaint narrative:
My plea for your agency to rectify the inaccurate status of my items has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my items report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified items below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2025-04-24 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: CA

Complaint narrative:
My plea for your agency to rectify the inaccurate status of my items has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my items report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified items below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-24 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Request for Debt Validation To Whom It May Concern : I am writing in response to a mail received from your office recently. I am requesting validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; Detailed statements showing how the amount was calculated ; A copy of the original contract or agreement bearing my signature, if applicable ; Proof that your agency is authorized to collect this debt in my state ; Verification that the statute of limitations has not expired for collecting this debt. 
Until this information is provided, please cease all collection activities. Furthermore, if you report this alleged debt to any credit reporting agency, it must be marked as disputed. 

Please respond in writing to the address listed above. I am requesting that you do not contact me by phone. 

Thank you for your attention to this matter.

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 2025-04-24 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2025-04-24 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: MA

Complaint narrative:
I am submitting this complaint to report TransUnions failure to ensure the maximum possible accuracy of my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : TransUnion Issue : This account has already been deleted by XXXX and XXXX after disputes, but TransUnion continues to report it, causing significant harm to my creditworthiness. 


Summary of the Problem : Despite repeated requests and the fact that the other two major credit bureaus have already deleted this XXXX account due to lack of accuracy or verification, TransUnion refuses to remove it from my credit file. This inconsistency between credit reports is a clear violation of FCRA Section 1681e ( b ), which requires credit bureaus to ensure the maximum possible accuracy of information reported. 

The continued reporting of an account that was found unverifiable or inaccurate by other credit bureaus demonstrates a serious failure in TransUnions dispute and verification procedures.

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 2025-04-24 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: IL

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I do not recognize them. As per USC 1681g, I am formally asking for their removal within 15 days. Supporting documents are attached for your detailed review. Additionally, the account information being reported is inconsistent across the credit bureaus.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
From XXXX XXXX of this year there were several transactions on my chase account from XXXX XXXX that werent done by me. These transactions totaled about {$1500.00}. As soon as I noticed these transactions I reported them to chase bank. I explained that my card information must have been stolen and that the transactions I did from my XXXX  account are identifiable because they clearly have my name on them. However the other transactions that have a name by XXXX XXXX, a name that has never shown on my account were not mine and must have been done from someone elses XXXX  account. After a couple days my claim was denied. I asked that my claim be escalated because they said they needed proof I didnt do these transactions and I had proof. I was asked to send in screenshots of my XXXX  transactions to prove that I didnt make these transactions on these dates and then the charges would be reversed. I provided these screenshots proving my XXXX  was not active on these dates, just to be told that my screenshots were not good enough. This was because even though the screenshots show these transactions didnt come from my XXXX  that supposedly XXXX XXXX told them the transactions were in fact from my account. I was told to get something in writing from XXXX  saying these transactions werent done from my account, which they know is almost impossible. However, after all these months I actually got through to speak with someone at XXXX  today. The representative explained to me in exact words, sir chase bank is lying to you, we never told them that any of these transactions were done from your account. I assured him that the chase representative told me this. And he assured me that it was IMPOSSIBLE. He asked me to ask chase for documentation of this communication from them which he said would have been in writing and assured me that they wouldnt be able to provide it. So here I am asking Chase why I was blatantly lied to and my claim denied even after I sent in the sufficient proof I was asked to provide? Ive been with chase for years and this is sad that these are the manipulative steps they take with their customers when they know it will be almost impossible to prove they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Debt Validation Account Number XXXX XXXX To Whom It May Concern, I am writing to request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I request that you provide me with the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed statement or judgment that verifies this debt belongs to me ; 4. Proof that you are authorized to collect this debt ; 5. A copy of the original signed agreement, if applicable.

Until you provide the requested validation, I request that all collection activities cease, including reporting this debt to credit bureaus. 

Be advised that I am keeping detailed records of all correspondence regarding this matter. If you can not validate this debt, you must cease collection and remove any related information from my credit report.Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief