vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
To Whom It May Concern, Trustees and Defendants at XXXX XXXX XXXXXXXXXXXX XXXX and EXPERIAN CRA This letter serves as a formal complaint and notice of violation regarding information your organization has furnished to XXXX or more consumer reporting agencies in connection with my consumer credit report. As well as Notice of breach of contract, failure to disclose and carry out fiduciary responsibilities to principals account even after being informed and instructed Upon review of my credit report from Experian XXXX XXXXXXXX XXXX XXXX I have discovered that your organization is reporting information for an account that I do not recognize, did not authorize, and have never had any contractual or financial relationship with. This third-party furnishing is unauthorized, inaccurate, and potentially fraudulent. 

Your conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which prohibits the reporting of inaccurate information and imposes a duty to investigate disputed information promptly and thoroughly. Additionally, if your organization accessed or reported any portion of my credit file without a permissible purpose, such conduct violates 15 U.S.C. XXXX, which may constitute willful noncompliance. 

Notice of Intent to File Lawsuit If this matter is not resolved to my satisfaction within XXXX calendar days from the date of this letter, I will proceed with initiating legal action against your company in a court of law. This legal action may include claims for : Violations of the Fair Credit Reporting Act ( FCRA ), Invasion of privacy, Defamation, and Other applicable state and federal consumer protection laws. 

Under 15 U.S.C. XXXX and XXXX, I may seek actual damages, statutory damages, punitive damages, court costs, and attorneys fees for each violation. 


Sincerely, XXXX of the XXXX family name, Beneficiary of XXXX acct : 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 2025-05-16 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Illegal Collection Practices Spoofing and Third-Party Contact To Whom It May Concern, I am filing this complaint regarding a debt collector that has contacted my family members using spoofed phone numbers in an attempt to locate me. This practice appears to violate both the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Caller ID Act.

The debt collector has called multiple family members, including myself, from numbers that do not identify their true origin. The call made to my mother from number ( XXXX ) was made to look like it came from XXXX XXXX XXXX. If you XXXX search that number, the courthouse will be the first search result. Each family member that was called all had a different area code mirroring the area code where they live. Each call left the same voicemail and stated in the voicemail was the direct number to Midland credit management. 

During the call, they attempted to discuss or imply the existence of a debt, which is a violation of my privacy rights under the FDCPA. 

These actions have caused significant distress to me and my family. 


I believe these actions constitute : Misrepresentation or deceptive practices in violation of FDCPA 807.

Unlawful spoofing under the Truth in Caller ID Act.

Harassment or abuse under FDCPA 806. 


I request that your office investigate this matter and take appropriate enforcement actions. 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-05-16 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Greenwood and Allen Financial
State: CA

Complaint narrative:
Phone calls : ( Just a partial list ) XX/XX/XXXX 5 times XX/XX/XXXX 5 times XX/XX/XXXX Called a XXXX party looking for me XX/XX/XXXX 4 times Back in XXXX I gave them my XXXX information and told them to stop calling me. They then call me from different numbers even though I have now provided them with my information and asked them to stop calling. They are harassing me and I can not keep track of all the numbers they call me from, its becoming a full time job. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I NOTICED THAT THERE IS A COLLECTION FROM A COMPANY I HAD NO DEALINGS WITH : XXXX XXXX XXXX XXXX XXXX  I THINK I AM A VICTIM OF THE DATA BREACH AND IDENTITY THEIF.

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 2025-05-16 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 NOTICED THAT THERE IS A COLLECTION FROM A COMPANY I HAD NO DEALINGS WITH : XXXX XXXX XXXX XXXX XXXX  I THINK I AM A VICTIM OF THE DATA BREACH AND IDENTITY THEIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$16000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : {$2000.00} Balance : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$430.00} INQUIRIES : XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In early XX/XX/year>, American Express ( AMEX ) unilaterally and abruptly canceled several of my credit card accounts without any prior notice or detailed explanation. When I contacted their customer service to understand the reason, I was informed only that the decision was " final '' and that my transactions had violated the Cardmember Agreement. However, AMEX refused to identify which specific transactions were problematic or which clauses of the agreement were allegedly violated.

This action is especially confusing and concerning because I have never engaged in any suspicious or irregular transactions. I have always paid my bills on time and in full, and I have maintained these AMEX cards in good standing for many years. My account history reflects responsible credit usage with no late payments or unusual activity. 

To make matters worse, one of the affected accounts was charged a {$120.00} annual fee on XX/XX/year>, just weeks before the cancellation. Because of the abrupt account closure, I was not given any reasonable opportunity to utilize the benefits associated with that annual fee. I requested a refund, but was told only that a refund " may '' be issued within one to two billing cycles if I qualify. When I asked for clarification on whether I qualify and what the criteria are, AMEX again refused to provide an answer. 

To date, I have not received : 1 ) A clear explanation for the abrupt and unilateral the account closures ; 2 ) A refund of the {$120.00} annual fee ; 3 ) Any transparency regarding their decision-making process.

I believe AMEXs actions are unfair, opaque, and in violation of fair billing practices. I am requesting a full refund of the annual fee and a written explanation detailing the specific reasons for the account cancellations, including the alleged transaction violations and corresponding sections of the Cardmember Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX Texas XXXX XXXX XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Charge of Dispute Regarding Non-Issuance of IRS Form 1099-C Dear Capital One, I am writing to formally dispute the status of my account with your institution, specifically regarding the cancellation of debt associated with account number [ XXXX ] in amount of {$1700.00}. As per my records and understanding, I have not received an IRS Form 1099-C, which is required when a creditor discharges a debt of {$600.00} or more. 

According to the Internal Revenue Code and relevant Treasury Regulations, a Form 1099-C must be issued when an identifiable event occurs that results in the discharge of indebtedness. This includes situations where a creditor has made a decision to discontinue collection efforts on a debt. The failure to issue this form not only affects my tax reporting obligations but may also imply that the debt remains collectible under applicable state law.

I request that you provide clarification regarding the following points : Confirmation of Debt Cancellation : Please confirm whether any identifiable events have occurred that would necessitate the issuance of a Form 1099-C for my account.

Documentation : If such an event has occurred, please provide me with a copy of the Form 1099-C or any other documentation that reflects the cancellation or discharge of this debt.

Collection Status : Clarify whether your institution intends to pursue collection efforts on this account despite the apparent cancellation.

Failure to respond adequately to this inquiry may compel me to seek further action, including but not limited to filing a complaint with regulatory authorities or seeking legal counsel regarding this matter.

Please respond within 30 days from the date of this letter. I appreciate your prompt attention to this issue and look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I called Mariner Finance on XX/XX/year> and was told someone had created a account 10 days ago. They had sent a check that I was not aware of and I believe someone has deposited it. They have absolutely no information about me at all and yet I have got a loan?? Which I was never even aware of??? Ive never used Mariner Finance. It is absolutely baffling that they would send presigned checks without the customer knowing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: MD

Complaint narrative:
I am disputing inaccurate information reported by ResidentVerify, a tenant screening service owned by XXXX. The report incorrectly reflects an eviction, although I vacated the property voluntarily and prior to any legal enforcement. The Warrant of Restitution was cancelled and a Motion to Vacate Judgment has been filed. This error is preventing me from securing housing. Ive provided supporting documentation and have not received a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
From : XXXX XXXX XXXX To : XXXX Dispute Resolution Departments Subject : Formal Dispute Regarding FERPA Violation Unauthorized Disclosure of Personally Identifiable Information and Invalid Debt To whom this may concern, I am writing to formally dispute the unauthorized disclosure of my personally identifiable information ( PII ) by [ specify which organization ( s ) ] in violation of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and its implementing regulations at 34 C.F.R. Part 99. This violation has caused significant concern regarding the security and privacy of my educational records.

Legal Basis for the Dispute : Under FERPA, educational institutions and their authorized agents are prohibited from disclosing a students PII without obtaining prior written consent from the student, except in specific circumstances outlined by the law ( 34 C.F.R. 99.30 ). As a borrower under the federal student loan program, my educational records are protected under FERPA, and any unauthorized disclosure of such information is a direct violation of my privacy rights.

Requested Resolution : Immediate Removal of Any Debt : I request the immediate removal of any debt or financial obligation associated with the unauthorized disclosure of my information. Since my educational records were improperly handled in violation of FERPA, I assert that any financial responsibility resulting from this unauthorized disclosure is invalid.

Cessation of Collection Activities : XXXX and/or XXXX must immediately cease any collection activities on the disputed debt and update my account to reflect a XXXX balance.

Credit Reporting Correction : If the disputed debt has been reported to credit bureaus, I request that XXXX and/or XXXX immediately contact the bureaus to correct any negative reporting related to this matter.

Notification to Unauthorized Recipients : Any third party who received my information without consent must be informed that it was shared in error and be instructed to delete it. 

Enhanced Security Measures : I request that XXXX and XXXX implement stronger security protocols to ensure compliance with FERPA and prevent future violations.

Written Confirmation : I request written confirmation of the above actions within 30 days of receipt of this letter.

Please consider this a formal complaint, and if this matter is not resolved satisfactorily, I reserve the right to escalate my complaint to the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( FPCO ). 

Thank you for your immediate attention to this serious matter. Please feel free to contact me using the information provided above for any further information or clarification you may require. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-16 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I sent off letters to Experian, Equifax, and Transunion on the date of XX/XX/year> letting them know that I understand every right I have under USCB and Section 605B of the FCRA. Please block the following accounts that are crippling my consumer reports as I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. These are all the accounts that were listed XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX I sent letters out to each bureau.

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