vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I DID NOT OPEN, AUTHORIZE, OR HAVE ANY KNOWLEDGE OF THE FOLLOWING ACCOUNTS AND INQUIRIES APPEARING ON MY CREDIT FILE. I'VE TRIED ASKING FOR INFORMATION, RESOLUTIONS AND DELETIONS SEVERAL TIMES. I HAVE SENT CEASE AND DISIST LETTERS PLUS MORE THROUGH EACH COMPANY AND CFPB COMPLAINTS AND THE CREDIT REPORTING AGENCY IS NOT ABIDING BY THE FCRA LAW THAT IS SUPPOSED TO PROTECT US. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: WA

Complaint narrative:
Previous Disputes with this company are logged with the cfpb. XXXX XXXX commented that they believe i may have been a victim of 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 non-monetary relief
Consumer complaint received 2025-05-28 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: MA

Complaint narrative:
I am writing this personal statement because i was checking my credit report and I noticed some inaccurate items that doesn't belong to me. I need this item to be verified and in the absence of any proof of verification, please delete these items as soon as possible. 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 2025-05-28 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: MA

Complaint narrative:
I am writing this personal statement because i was checking my credit report and I noticed some inaccurate items that doesn't belong to me. I need this item to be verified and in the absence of any proof of verification, please delete these items as soon as possible. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have repeatedly requested Capital One to stop sending unsolicited advertising mail to my home address. Despite these requests, I continue to receive monthly advertisements, which are clogging my mailbox and causing significant inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Re : Request for Debt Validation Account Number : [ XXXX ] To Whom It May Concern : I am writing to you regarding a debt you claim I owe. Please be advised that I am requesting validation of the alleged debt as provided for by the Fair Debt Collection Practices Act, XXXX XXXX. XXXX. 
Under this law, I have the right to request verification and details of the debt you claim I owe. Therefore, please provide me with the following : The amount of the alleged debt. 
The name of the original creditor. 
A copy of the original contract or agreement bearing my signature. 
Proof that you are legally authorized to collect this debt. 
A complete payment history, starting from the original creditor. 

Until you provide the requested validation, please cease all collection activities and stop reporting this account to credit reporting agencies, as doing so without validation may be a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Please treat this letter as a formal dispute of the debt. If you do not respond within XXXX  days, I will consider the matter closed and expect that any adverse reporting on my credit file will be removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
XXXX XXXX XXXX  Subject : Request for Debt Validation Account # XXXX To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt associated with the above-referenced account number. Please be advised that this letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

As per my rights under federal law, I request the following : Validation of the debt, including a detailed breakdown of the amount claimed.

The name and address of the original creditor.

Proof that I am legally obligated to pay the debt, including any relevant contract or agreement bearing my signature.

A copy of your license to collect debt in my state, if applicable. 
Until this information is provided, I am requesting that all collection activity, including reporting to credit bureaus, be ceased immediately as this matter is under dispute. 

Please respond to this request within 30 days of receipt, in writing, to the address listed above. Be advised that any attempt to collect on a debt that has not been properly validated is a violation of the FDCPA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX  Subject : Request for Debt Validation Account # XXXX  To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt associated with the above-referenced account number. Please be advised that this letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

As per my rights under federal law, I request the following : Validation of the debt, including a detailed breakdown of the amount claimed.

The name and address of the original creditor.

Proof that I am legally obligated to pay the debt, including any relevant contract or agreement bearing my signature.

A copy of your license to collect debt in my state, if applicable.

Until this information is provided, I am requesting that all collection activity, including reporting to credit bureaus, be ceased immediately as this matter is under dispute.

Please respond to this request within 30 days of receipt, in writing, to the address listed above. Be advised that any attempt to collect on a debt that has not been properly validated is a violation of the FDCPA.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 37 negative payments last reported XXXX XXXX 49 negative pymts last reported XXXX XXXX XXXX XXXX Last reported XXXX XXXX XXXX XXXXHard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/year>, the Bridgecrest account was closed and the balance charged-off by the company. However, the residual balance on the account has negatively impacted my credit, as the company continues to status updates the 3 credit bureaus as if this was open on their books but with the CO status. This is illegal reporting and needs to be removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of these accounts are not authorized to be on my report. FTCXXXX report is attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-28 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A ofTitle 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681 s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such information

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 2025-05-27 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: NV

Complaint narrative:
RE : FORMAL DISPUTE COLLECTION ACCOUNTS REPORTING IN VIOLATION OF FEDERAL LAW To Whom It May Concern, I am writing to formally dispute several inaccurate, incomplete, and/or unverifiable collection accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). These accounts must be permanently deleted if you can not provide verifiable documentation proving their accuracy and completeness. 
ACCOUNTS IN DISPUTE : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  LEGAL VIOLATIONS : Under the FCRA 611 [ 15 U.S.C . 1681i ], you are required to : - Conduct a reasonable reinvestigation within 30 days, - Delete or correct any information that is inaccurate, incomplete, or unverifiable, - Provide the method of verification, including the name, address, and evidence used by the furnisher.

Furthermore, under FCRA 623 [ 15 U.S.C. 1681s-2 ], furnishers of information have a duty to investigate disputed data and cease reporting if they can not validate the information.

If you continue to report these accounts without verification, it constitutes a willful violation of FCRA 616 & 617, for which I reserve the right to pursue legal remedies.

DEMAND FOR ACTION : I DEMAND : - Immediate permanent deletion of these accounts if verification can not be completed ; - Written confirmation of the results within 30 days ; - Copies of any documents used to verify each disputed account, including signed contracts and itemized statements ; - These accounts to be marked as disputed by consumer during the investigation period.

If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and may seek legal action for damages under FCRA. 
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 2025-05-27 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: NV

Complaint narrative:
RE : FORMAL DISPUTE COLLECTION ACCOUNTS REPORTING IN VIOLATION OF FEDERAL LAW To Whom It May Concern, I am writing to formally dispute several inaccurate, incomplete, and/or unverifiable collection accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). These accounts must be permanently deleted if you can not provide verifiable documentation proving their accuracy and completeness. 
ACCOUNTS IN DISPUTE : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  LEGAL VIOLATIONS : Under the FCRA 611 [ 15 U.S.C . 1681i ], you are required to : - Conduct a reasonable reinvestigation within 30 days, - Delete or correct any information that is inaccurate, incomplete, or unverifiable, - Provide the method of verification, including the name, address, and evidence used by the furnisher.

Furthermore, under FCRA 623 [ 15 U.S.C. 1681s-2 ], furnishers of information have a duty to investigate disputed data and cease reporting if they can not validate the information.

If you continue to report these accounts without verification, it constitutes a willful violation of FCRA 616 & 617, for which I reserve the right to pursue legal remedies.

DEMAND FOR ACTION : I DEMAND : - Immediate permanent deletion of these accounts if verification can not be completed ; - Written confirmation of the results within 30 days ; - Copies of any documents used to verify each disputed account, including signed contracts and itemized statements ; - These accounts to be marked as disputed by consumer during the investigation period.

If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and may seek legal action for damages under FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts on my credit report, and I dont understand why theyre there. I reviewed my report as I normally do, but this time I noticed unexpected errors. I even refreshed my browser to rule out a technical glitch, but the false accounts remained. Because of this issue, Im requesting that the documents I submitted be carefully reviewed so I wont have to deal with this kind of worry again.

Company response to consumer: Closed with explanation