vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). The following information is incorrect and must be investigated : Account Name : [ Name of Creditor ] Account Number : [ Account Number ] Issue : [ Describe the inaccuracy, e.g., incorrect balance, duplicate account, outdated information, etc. ] Under FCRA, the credit bureau must conduct an investigation within 30 days ( or 45 days if based on a free annual credit report request ) and either verify, correct, or delete the disputed item. If the information can not be verified, it must be removed from my report immediately. 

I have attached copies of supporting documents, including [ mention any attached documents like bank statements, correspondence, or identity verification ]. Please notify me of the results of your investigation at the earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution. 

Sincerely, [ Your Name ] Debt Collection Dispute Letter ( for Collections Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt Validation Request Under FDCPA Dear [ Collection Agency Name ], I am contacting you regarding a collection account reported under my name. I formally dispute this debt and request validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Details of the Account : Account Name : [ Original Creditor Name ] Account Number : [ Collection Agency Account Number ] Amount in Dispute : [ Stated Balance ] Under FDCPA, I request that you provide written verification of the debt, including : Proof that I am legally obligated to pay this debt. 

A copy of any signed agreement or contract.

A detailed breakdown of the amount owed, including principal, interest, and fees.

Proof that your agency is authorized to collect this debt.

Until you provide proper validation, you must cease all collection activity, including reporting this account to credit bureaus, per the FDCPA and FCRA. Failure to comply may result in legal action. 

Please respond within 30 days of receiving this letter. If this debt is valid, I request full documentation ; if not, it must be removed from my credit report immediately. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). The following information is incorrect and must be investigated : Account Name : [ Name of Creditor ] Account Number : [ Account Number ] Issue : [ Describe the inaccuracy, e.g., incorrect balance, duplicate account, outdated information, etc. ] Under FCRA, the credit bureau must conduct an investigation within 30 days ( or XXXX days if based on a free annual credit report request ) and either verify, correct, or delete the disputed item. If the information can not be verified, it must be removed from my report immediately. 

I have attached copies of supporting documents, including [ mention any attached documents like bank statements, correspondence, or identity verification ]. Please notify me of the results of your investigation at the earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution. 

Sincerely, [ Your Name ] Debt Collection Dispute Letter ( for Collections Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXX/XX/XXXX [ Debt Collection Agency Name ] [ Collection Agency Address ] XXXX XXXX FL XXXX Subject : Dispute of Debt Validation Request Under FDCPA Dear [ Collection Agency Name ], I am contacting you regarding a collection account reported under my name. I formally dispute this debt and request validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Details of the Account : Account Name : [ Original Creditor Name ] Account Number : [ Collection Agency Account Number ] Amount in Dispute : [ Stated Balance ] Under FDCPA, I request that you provide written verification of the debt, including : Proof that I am legally obligated to pay this debt. 

A copy of any signed agreement or contract. 

A detailed breakdown of the amount owed, including principal, interest, and fees. 

Proof that your agency is authorized to collect this debt. 

Until you provide proper validation, you must cease all collection activity, including reporting this account to credit bureaus, per the FDCPA and FCRA. Failure to comply may result in legal action. 

Please respond within 30 days of receiving this letter. If this debt is valid, I request full documentation ; if not, it must be removed from my credit report immediately. 

Thank you for your time and attention to this matter. 

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 2025-03-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to request the removal of a fraudulent Discover card account from my credit report. This account was opened without my knowledge or consent, and I did not authorize or make any transactions on it. 

The details of the fraudulent account are as follows : Account Name : Discover Card Date Opened : XX/XX/year> I have already taken steps to address this issue with Discover, and I am requesting the removal of this account from my credit report as it was a result of fraud. 

Please update my credit report accordingly to reflect this. If you need any additional information or documentation to support my request, feel free to contact me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/year> I need your help in a serious matter regarding my credit report. After reviewing my credit, I noticed that your agency is reporting inaccurate information that is damaging my credit file. 
Please review the following factual data : Account XXXX : XXXX Account XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting delinquent activity. However, the Family Education Rights and Privacy Act strictly prohibits unauthorized access, modification, or deletion of student records without the explicit consent of the student or borrower only. XXXX XXXX and DOGE have accessed my private data which, according to the court of law, is a breach of privacy. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. I am formally escalating my demands and expect the following actions within 15 days : A comprehensive investigation and a full documented investigation into the unauthorized access and deletion of my student loan records and a written summary detailing your findings due to breach of privacy and inaccurate reporting. 
After completing my request, send me a copy of my updated credit file reflecting this update. 
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 2025-03-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/year> I need your help in a serious matter regarding my credit report. After reviewing my credit, I noticed that your agency is reporting inaccurate information that is damaging my credit file. 
Please review the following factual data : Account Name : XXXX Account XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting delinquent activity. However, the Family Education Rights and Privacy Act strictly prohibits unauthorized access, modification, or deletion of student records without the explicit consent of the student or borrower only. XXXX XXXX and DOGE have accessed my private data which, according to the court of law, is a breach of privacy. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. I am formally escalating my demands and expect the following actions within 15 days : A comprehensive investigation and a full documented investigation into the unauthorized access and deletion of my student loan records and a written summary detailing your findings due to breach of privacy and inaccurate reporting. 
After completing my request, send me a copy of my updated credit file reflecting this update. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/year> I need your help in a serious matter regarding my credit report. After reviewing my credit, I noticed that your agency is reporting inaccurate information that is damaging my credit file. 
Please review the following factual data : Account XXXX : XXXX Account XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting delinquent activity. However, the Family Education Rights and Privacy Act strictly prohibits unauthorized access, modification, or deletion of student records without the explicit consent of the student or borrower only. XXXX XXXX and DOGE have accessed my private data which, according to the court of law, is a breach of privacy. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. I am formally escalating my demands and expect the following actions within 15 days : A comprehensive investigation and a full documented investigation into the unauthorized access and deletion of my student loan records and a written summary detailing your findings due to breach of privacy and inaccurate reporting. 
After completing my request, send me a copy of my updated credit file reflecting this update. 
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 2025-03-17 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: MN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and I have the right to privacy, please be reminded, no consent is identity theft Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: REGIONS FINANCIAL CORPORATION
State: DC

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Washington , DC XXXX Enerbank UsA Address : Not Available RE : Acct XXXX XXXXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim revolving account type closed condition here such as I owe {$15000.00} or my account was charged off {$12000.00}. ( Note : on my credit report XXXX different times Account XXXX XXXX with credit limit {$15000.00} condition closed {$14000.00} ). 



I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 



I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 



As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 



I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 



I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. 



My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX Last XXXX of XXXX : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have attempted numerous times to request a comprehensive full disclosure with all three credit reporting agencies. I have yet been able to get a report from them. I have filed numerous complaints with the post office at my place of residence which also seems to be a issue with getting corrected. I will be more than happy to submit the complaint number i have with the post office as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX XXXX XXXX on XX/XX/year> under account number XXXX, a student loan opened at XXXX XXXX XXXX XXXX XX/XX/year> under account number XXXX, a student loan opened at XXXX XXXX XXXX XXXX XX/XX/year> under account number XXXX, a student loan opened at XXXX XXXX XXXX XXXX XX/XX/year> XXXX account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AZ

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item. 

XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

XXXXA detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-03-17 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: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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