vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Immediate Removal of Fraudulent Accounts Due to Data Breach Under FCRA Compliance Dear Experian and Equifax Dispute Departments, I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of a data breach. It has come to my attention that my personal information was compromised due to the recent security failures at your agencies. Under the Fair Credit Reporting Act ( FCRA ), I demand the immediate and permanent removal of these accounts. 

The fraudulent accounts on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking of fraudulent information resulting from identity theft or data breaches. Additionally, per 15 U.S.C. 1681i, you are required to : Conduct a reasonable reinvestigation within 30 days.

Provide all relevant dispute information and supporting documents to the data furnisher. 

Correct or delete inaccurate, incomplete, or unverifiable information. 

Provide clear, written results of the reinvestigation, specifying any updates made. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers of inaccurate information must correct or delete disputed accounts. Failure to do so violates federal law.

Given the recent lawsuits against your agencies and the severity of this matter, I demand the permanent removal of these fraudulent accounts within five ( 5 ) business days. Failure to comply will leave me with no choice but to escalate this matter legally through formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please provide me with written confirmation of the removal and an updated credit report reflecting these changes. I expect full compliance with the FCRA within the specified time frame. 

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 2025-02-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Immediate Removal of Fraudulent Accounts Due to Data Breach Under FCRA Compliance Dear Experian and Equifax Dispute Departments, I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of a data breach. It has come to my attention that my personal information was compromised due to the recent security failures at your agencies. Under the Fair Credit Reporting Act ( FCRA ), I demand the immediate and permanent removal of these accounts. 

The fraudulent accounts on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking of fraudulent information resulting from identity theft or data breaches. Additionally, per 15 U.S.C. 1681i, you are required to : Conduct a reasonable reinvestigation within 30 days.

Provide all relevant dispute information and supporting documents to the data furnisher. 

Correct or delete inaccurate, incomplete, or unverifiable information. 

Provide clear, written results of the reinvestigation, specifying any updates made. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers of inaccurate information must correct or delete disputed accounts. Failure to do so violates federal law.

Given the recent lawsuits against your agencies and the severity of this matter, I demand the permanent removal of these fraudulent accounts within five ( 5 ) business days. Failure to comply will leave me with no choice but to escalate this matter legally through formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please provide me with written confirmation of the removal and an updated credit report reflecting these changes. I expect full compliance with the FCRA within the specified time frame. 

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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
my equifax score is almost XXXX points less than transuion. I contacted them to remove addresses that were not mine as well. They said they did, and did not. My address is and has been XXXX XXXXXXXX XXXX XXXX ohio XXXX. Anything other than that needs to be removed from the report those are relatives addresses.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
my equifax score is almost XXXX points less than transuion. I contacted them to remove addresses that were not mine as well. They said they did, and did not. My address is and has been XXXX XXXXXXXX XXXX XXXX ohio XXXX. Anything other than that needs to be removed from the report those are relatives addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-12 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I am not own Florida Plate No. XXXX, if they confirm this, they should show who is the owner of this plate Florida Plate No. XXXX, I am not the owner of the mentioned vehicle nor paid any taxes, and this is a fraudulent allegation that harm my integrity and damaging my family. Please I will appreciate where to address this complaint. LINEBARGER GOGGAN BLAIR & SAMPSON, LL attorney office amplifying the damage and is a total fraud covering their wrongdoing and negligence, according to the 2023 Florida Statutes, 320.06, Registration certificates, license plates, and validation stickers generally. ( XXXX ) ( a ) Upon the receipt of an initial application for registration and payment of the appropriate license tax and other fees required by law, the department shall assign to the motor vehicle a registration license number consisting of letters and numerals or numerals and issue to the owner or lessee a certificate of registration and one registration license plate, unless two plates are required for display by s. XXXX, for each vehicle so registered, by the way I spoke with a representant of XXXX XXXX and told me that everything was resolved, no debt, as explained that's a Car lender fraud, maybe conducted by XXXX agent or others. It looks like scheme or artifice '' to cheat somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
someone got online and tried to purchase a vehicle in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: U.S. BANCORP
State: OH

Complaint narrative:
someone got online and tried to purchase a vehicle in my name

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 2025-02-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are old inquiries including the following that I reached out in XXXX to Capital One and XXXX and XXXX to dispute, but the information is still not removed and now its XXXX. 

1. CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute the actions of [ Midland Credit Management ], which I believe constitute unfair or abusive practices. Specifically, I am concerned about the use of threatening language in their communications with me, which I believe violates the Fair Debt Collection I am writing to file a formal complaint regarding a collection account that has been improperly reported on my credit report by MIDLAND CREDIT MANAGEMENT INCwithout providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. 
MIDLAND CREDIT MANAGEMENT INChas resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

COMPANY NAME is flagrantly disregarding consumer protection statutes. I did not receive any notice from MIDLAND CREDIT MANAGEMENT INCproviding me the opportunity to dispute the validity of this debt within 30 days, as required by law. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. 
I kindly request that the CFPB investigate this matter, as I believe this collection was reported without following the proper legal procedures.

Additionally, I request that MIDLAND CREDIT MANAGEMENT INC. remove this account from my credit report and cease all collection efforts immediately. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I am formally disputing the accounts and inquiries reported on my consumer credit file, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization.

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent or compromised information.

Section 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing consumer reports.

After contacting the reporting companies, I confirmed that these accounts and inquiries were added without proper validation or original proof. As I never authorized them, they are factually inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a direct violation of federal law. 
I request an immediate investigation and a written confirmation of the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A certified letter was sent XX/XX/year>, XXXX requesting validation of debt that was not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-12 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-12 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:
fraudulent claims and information on consumers fake transactions, scams, or any activity where someone is trying to cheat or steal money by using dishonest means ; essentially, if you believe someone is trying to gain something through deception, this is 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 2025-02-12 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with the necessary proof of investigation. Accounts are listed below. 

Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Amount : {$3300.00} Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$560.00} Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my accou

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 2025-02-12 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: NC

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my accou

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have made deferred payment agreements to pay on my car, credit and personal loan which came to {$320.00} with navy federal, which i paid over the phone with a representative on XX/XX/XXXX and XX/XX/XXXX and they still reported on my credit report which is false. I never had payments late to even report to the credit bureaus. I spoken to the supervisor which directed me to file this report due to they did not understand why it reported since i did pay in a timely manner. I also have a recording of them not knowing who could help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation