vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute of Inaccurate Information under 15 U.S.C. 1681i Request for Investigation and Correction To Whom It May Concern : I am writing to formally dispute multiple inaccurate or unverifiable accounts reported on my credit file. This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which entitles me to dispute any information that I believe to be inaccurate, incomplete, or unverifiable and requires you to conduct a reasonable reinvestigation of the disputed information within the statutory timeframe. 

Below are the accounts I dispute : 1. Creditor Name : [ Portfolio Recovery ] Account Number : [ Insert Account Number ] Dispute Reason : [ Insert brief explanation, e.g., Account does not belong to me, Balance is incorrect, etc. ] 2. Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Dispute Reason : [ Insert brief explanation ] [ Add more accounts as necessary. ] I request that you investigate these accounts and delete or correct any information found to be inaccurate, incomplete, or unverifiable in compliance with 15 U.S.C. 1681i. I also request that you provide me with the results of your investigation in writing and a free updated copy of my credit report reflecting any changes made.

Please note that failure to comply with the requirements under 15 U.S.C. 1681i may subject the credit reporting agency to liability under 15 U.S.C. 1681n and 1681o.

I have enclosed copies of relevant documents supporting my dispute ( if applicable ). 

Thank you for your prompt attention to this matter. I expect a response within the timeframe specified by law. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: AZ

Complaint narrative:
My escrow has increased from XXXX to XXXX since refinancing in XX/XX/year>. I had tried multiple times to ask for an explanation since my taxes or insurance has not increased during the same period. I have also requested to pay my own monthly insurance and bi yearly taxes and they said no. At the current rate Im being charged escrow I am paying an extra XXXX per year, which I will not do, I can not do. They are causing financial harm and ruin.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/year>XXXX  {$1100.00}, XX/XX/year>XXXX  {$89.00}, {$500.00}, {$100.00}, XX/XX/year>XXXX  {$2000.00}, {$35.00}, {$1000.00}, {$69.00}, {$440.00}, {$850.00}, {$19.00}, {$8.00}, {$8.00}. I was unaware of these charges as I had stopped using the card and was locked out of your online account. The only way I was made aware is when I was served a lawsuit to my house and was threatened for garnishing of my wages. I am currently filing a police report and reporting this as fraud because I was in Georgia and these charges were made in Illinois.

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 2025-05-08 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: NJ

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

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 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/year> mailed a certied letter. 
To : XXXX XXXX of Midland Credit Management I am in receipt of your recent correspondence titled Pre-Legal Review concerning the alleged debt identified as Account # XXXX. Please be advised that I dispute the validity of this alleged debt and hereby request full validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is a formal request for validation and verification. Until you provide proper documentation validating the debt and your authority to collect it, you must cease all collection efforts and not take or threaten any legal action, which may constitute a violation of federal law.

Under 15 U.S.C. 1692g ( b ), I am requesting the following : 1. A complete accounting and itemization of the alleged debt from Day One of when it was established, including the original amount, all fees and interest, and a breakdown of how the total was calculated.

2. The name and address of the original creditor, and a copy of the original signed contract or agreement creating the debt.

3. Proof that you are legally authorized to collect this debt, including a chain of title or assignment from the original creditor, with dates and signatures.

4. A copy of Purchase Agreement/Forward Flow Agreement.

5. Documentation that the debt is not time-barred under the applicable statute of limitations in my state.

6. Confirmation that your firm is licensed to collect debts in my state, including your license number.

Be advised that I am aware of my rights and do not take lightly any attempt to misrepresent, harass, or intimidate under the guise of a Pre-Legal Review. Any implication of pending legal action without proper validation may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office as a potential FDCPA violation under 15 U.S.C. 1692e.

This is a formal dispute. Please mark this account as disputed in all systems and with all credit reporting agencies. 
If you can not provide the requested documentation, I request that you immediately : Cease all collection activity Cease any credit reporting Remove any existing reports from my credit file Please respond to this request in writing only. I do not consent to any phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I do not recognize the address, Please REMOVE FROM MY CREDIT REPORT THANK YOU

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 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Harris & Harris I recently reached out to the company that says I owed them debt on XX/XX/year> an was told that it was a debt for a mobile phone which I explained to them that it was identity theft I was incarcerated when this account was opened XXXX XXXX  I also reached out to this company also an was told that there company purchase the debt from another company an I explained that this account was open fraudulent an it wasnt my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. 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 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information currently appearing on my credit report issued by TransUnion. Specifically, this pertains to a dismissed bankruptcy that is being reported on my file.

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 2025-05-08 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Account NCB Management Service # XXXX I'm unaware of this debt an did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Experian is reporting multiple accounts that do not belong XXXX  me XXXX are the result of identity theft. I submitted a XXXX dispute with supporting documentation, including an FTC Identity Theft Report, requesting the removal of the fraudulent accounts. These accounts include credit cards, collections XXXX loans I did not authorize or open. Despite my valid dispute XXXX proof of identity theft, Experian has failed XXXX block or remove these accounts from my report, violating my rights under the FCRA. This is damaging my credit XXXX causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Santander Consumer for Violating my Rights Vs Consumer Financial Protection Act Under Case No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-08 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: IN

Complaint narrative:
Consumer Name : ( 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 XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you 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 appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-08 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: IN

Complaint narrative:
Consumer Name : ( 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 XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you 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 appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing XXXX properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action XXXX  ensure Equifax complies with federal law XXXX  provides consumers with the necessary proof of investigation. 

Accounts marked as inaccurate : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX

Company response to consumer: Closed with non-monetary relief