vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Experian 's Failure to Comply with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 7 ). Despite my repeated requests, Experian has failed to provide a description of their investigation process regarding disputed accounts on my credit report. Additionally, they continue to inaccurately report the following accounts as negative items : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Experian has stated that the information on my credit report is accurate and verified ; however, these accounts remain incorrect. Their failure to respond to my inquiry and provide the required explanation is a direct violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies ( CRAs ) are obligated to provide a description of the investigation process upon consumer request. 

I demand that the CFPB take immediate action to enforce compliance with the FCRA. Specifically, I request the following : Require Experian to delete the aforementioned negative accounts from my credit report. 

Impose a fine of up to {$1000.00} per violation, as allowed under the FCRA. 

Ensure that Experian provides a detailed description of their investigation process in accordance with 15 U.S.C. 1681i ( a ) ( 7 ).

I have attached copies of my correspondence with Experian, along with any supporting documents, for your reference. Please let me know if you require additional information to proceed with this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT WAS " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX CREDITOR : XXXX ( TRANSWORLD SYSTEMS INC. ) BALANCED OWED : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within XXXX  days constitutes a violation of the FCRA and XXXX result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.

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 2025-01-02 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: IL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within 30 days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.

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 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX my account was accessed in the middle of the night. I realized this on XXXX and immediately locked my card. I filed a dispute with my bank and they denied it. I filed two subsequent appeals and both were denied. I requested the address where the transactions took place and they have refused to give it to me. The conversations are recorded. I don't understand why the bank thinks this is normal banking activity.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-02 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: Carter-Young, Inc.
State: NC

Complaint narrative:
Dates : XXXX, XXXX and XXXX I'm dealing with a bit of a headache here. It looks like there are some accounts showing up on my credit report that aren't mine. It's like they've been mistakenly linked to me. I need to report this theft to the credit bureau because they've listed these accounts as if they belong to me, which they absolutely don't. 

I reached out to these companies on several occasions and no help was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NCB Management Services Inc.
State: NC

Complaint narrative:
Dates : XXXX, XXXX and XXXX I'm dealing with a bit of a headache here. It looks like there are some accounts showing up on my credit report that aren't mine. It's like they've been mistakenly linked to me. I need to report this theft to the credit bureau because they've listed these accounts as if they belong to me, which they absolutely don't. 

I reached out to these companies on several occasions and no help was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
I disputed this XXXX XXXX XXXX XXXXXXXX personal account ( {$6000.00} ) with Experian on XX/XX/year> I provided ftc report as well as formal dispute letter. this account does not belong to me and Experian has still chosen to report this information on my credit report. Under fcra 1681 a proper investigation must occur. Not just creditor saying the account belongs to me. 
I Demand this account be removed from my report immediately! 


In the context of the Fair Credit Reporting Act ( FCRA ), a " proper investigation '' means a thorough and reasonable examination of disputed information on a consumer 's credit report by the furnisher of that information, to determine if the information is accurate and should be modified or deleted if found inaccurate ; essentially, it requires the company providing the information to actively review relevant evidence to verify its accuracy when a consumer disputes it.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by Midland Credit Management Inc. I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. Midland Credit Management Inc has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated.

In accordance with the following laws, Midland Credit Management Inc has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

Im unaware of this debt and I didnt have an opportunity to to dispute this debt. I didnt receive proper notification of this debt, if in fact you believe you gave me proper notification of this debt then please provide certified receipt with my name and signature stating I received it. 

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and Midland Credit Management Inc that demonstrates your authority to collect on this debt.

Licensing and Bonding Documentation Proof that Midland Credit Management Inc is licensed and bonded to operate within my state. 

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XX/XX/XXXX XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.

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 2025-01-02 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: FL

Complaint narrative:
Subject : Request for Removal of Unverifiable Account from My Credit Report Dear, Credit Reporting Department I am writing to formally notify you that the account in question, associated with XXXX XXXX  and listed as a charge-off, has been completely deleted from my XXXX credit report as of XX/XX/2024, following a dispute I filed. The account, originally showing a balance of {$1400.00}, was investigated, and XXXX concluded that the information could not be verified, resulting in the removal of the account from my credit file. 

As XXXX has already deleted this unverifiable account from my credit report, I respectfully request that you, as the credit reporting agencies, also take appropriate action and remove this account from my credit report. The information provided by XXXX XXXX  can not be verified, and under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. 

Under the **FCRA** ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that can not be verified within a reasonable time frame. Furthermore, under **15 U.S.C. 1681e ( b ) **, you are required to maintain accurate information in my credit report. As the information related to this account has not been verified and is now considered inaccurate, you must remove this derogatory mark within 30 days or face potential legal consequences.

In addition to my rights under the FCRA, I am also protected under the **Consumer Credit Protection Act ( CCPA ) **, which ensures that my credit history is not damaged by unverifiable or incorrect information. If you fail to remove the unverifiable account within 30 days, I will be forced to take further action, including but not limited to filing a lawsuit for damages under the **FCRA**, and potentially pursuing legal claims for statutory damages and attorney fees.

I kindly request that you update my credit report accordingly and provide written confirmation of the removal of this account. If this account is not removed within 30 days of receipt of this letter, I will consider all legal options available to me, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and taking legal action against your agency.

Please treat this matter with the urgency it deserves. I expect to hear from you within the next 30 days with confirmation that this account has been removed from my credit file.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-01 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX  months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$5700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Experiencing identity theft and trying to figure out why hackers will not leave my home. Discovered that the chip embedded in the debit/credit card is the exact same chip embedded in a mobile cellular device ( XXXX XXXX ). Problem, in 2009 I paid over {$2000.00} in over draft fees that I was confused about. I also have over {$120000.00} in Wells Fargo student loan debt that I believe is inaccurate ; but unable to confirm since the university ( XXXX XXXX ) is no longer operating. Other problem- discovered the chip in my debit/credit card is holding a signal in the wall in a additional bedroom in my apartment. I made a police complaint to the XXXX Police Department a few years ago complaining about the bedroom walls being damaged through forced entry and could not understand why nothing was missing from the apartment ; however, the walls were completely damaged. Would like additional information on Wells Fargo embedded chip in the debit card on reasons why it would be used in a mobile cellular device. Can the bank please confirm if the names are familiar for fraud cases, these are the names I hear in my apartment- last name " XXXX  XXXX " XXXX XXXX " XXXX XXXX or " XXXX '' " XXXX XXXX " XXXX '' " XXXX XXXX " XXXX XXXX " XXXX XXXX, please respond ASAP as I am currently experiencing identity theft and harassment from named individuals.

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