vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I am writing in response to your investigation outcome dated XX/XX/year>, regarding my previous dispute. Your response indicates that Equifax/Experian verified the accounts in question but failed to provide any substantive validation of the debts as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ). 

Your letter states that Equifax/Experian contacted the furnishers but provides no documentation proving the debts are valid, accurate, and legally enforceable. Simply stating that an item has been " verified '' without producing supporting evidence is not a legally sufficient investigation under the FCRA. I demand that you provide : Full validation of each disputed account, including : A signed contract or agreement proving I am responsible for the debt.

An itemized account statement from the original creditor.

Documentation of assignment if the debt has been sold or transferred.

A detailed explanation of your investigation process, including : The specific documents and records reviewed.

The exact verification method used to determine the debts belong to me.

The names and contact information of the individuals or entities who verified the accounts.

Immediate removal of any unverifiable or inaccurate accounts from my credit file, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
An individual used my credit card in a different state from where I live and completely maxed out one of my credit cards. I didnt find out my cards balance until I got my monthly statement. I am aware however that I spent a little under {$300.00} on the card prior to the incident. I even contacted the credit card company and reported the charges as fraud but they wouldnt assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have very low credit score and I dont know where to start it I need it fixed for a better life for me and my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: IA

Complaint narrative:
I used to had an account at first national Bank there was an individual that called me proposed as The XXXX XXXX  said I had a loan he asked for my information it was {$2500.00} I paid some to it and the bank is using this information where I can not open another account

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 2025-03-12 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: Experian Information Solutions Inc.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year>XXXX  I sent a letter regarding inaccurate and unknown accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding 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 the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Incorrect information on my credit report the company failed to provide correct information and remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. The fraudulent accounts include 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I reviewed my credit report showing a collection of XXXX $ showing account open XX/XX/year> this account does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: TX

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An account with Captial One was opened on XX/XX/XXXX in my name I have no memory of opening the account and application process. The card was shipped to my parent 's house through the mail with an envelope saying the correct address. The amount was for a credit line of XXXX dollars with an annual fee of XXXX dollars. I have closed the account but would like a further review of my safety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
I sent over the proper documents for identity theft to Equifax, Experian and Transunion. TransUnion is the only agency that removed all of the inaccurate information from my credit report. Equifax and Experian still has 2 collections and inquires and also XXXX collections has been trying to contact me after I filed the proper documents for identity theft

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 2025-03-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent over the proper documents for identity theft to Equifax, Experian and Transunion. TransUnion is the only agency that removed all of the inaccurate information from my credit report. Equifax and Experian still has 2 collections and inquires and also XXXX collections has been trying to contact me after I filed the proper documents for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
On all three credit resporting agenices. I have stressed to them that my idenity was stolen in XXXX. I have provide the FTC report and the police report as well. With no results on these unknown accounts and late payments on these accounts as well. My idenity was also compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX as well. I received payment from Equifax in reference to the data breach as well. Still the information is on my credit report it has impacted my credit in a negative way. And I have been working on this for years to be able to maintain my good credit, but it has not worked in my favor. There are several items on credit from XXXX XXXX XXXX in the about of {$210.00} and {$730.00}. That I am unaware of another account is XXXX XXXX in the amount of {$9400.00}. Another account is XXXX in the amount of {$2300.00}. Another account is XXXX XXXX XXXX XXXX in the amount of {$540.00} I have no knowledge of also an XXXX account apears to be a creditcard. I have numerous hard iquiries all the credit reports. Experian has a total of 6, Transunion has a total of 8 and Equifax has a total of 5. That I have requested to be removed from my credit reports. The credit reporting companies has not be investigating my request properly, This is why I am filing this complaint to you. I also requested to have names and addresses removed from my credit report and they are still there

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 2025-03-12 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: FL

Complaint narrative:
On all three credit resporting agenices. I have stressed to them that my idenity was stolen in XXXX. I have provide the FTC report and the police report as well. With no results on these unknown accounts and late payments on these accounts as well. My idenity was also compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX as well. I received payment from Equifax in reference to the data breach as well. Still the information is on my credit report it has impacted my credit in a negative way. And I have been working on this for years to be able to maintain my good credit, but it has not worked in my favor. There are several items on credit from XXXX XXXX XXXX in the about of {$210.00} and {$730.00}. That I am unaware of another account is XXXX XXXX in the amount of {$9400.00}. Another account is XXXX in the amount of {$2300.00}. Another account is XXXX XXXX XXXX XXXX in the amount of {$540.00} I have no knowledge of also an XXXX account apears to be a creditcard. I have numerous hard iquiries all the credit reports. Experian has a total of 6, Transunion has a total of 8 and Equifax has a total of 5. That I have requested to be removed from my credit reports. The credit reporting companies has not be investigating my request properly, This is why I am filing this complaint to you. I also requested to have names and addresses removed from my credit report and they are still there

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 2025-03-12 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXXXXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX XXXXXXXXXXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX 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.

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 2025-03-12 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: TX

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried tirelessly to get Transunion to investigate a matter on my credit report. It is for an unjust and highly disputed debt that a debt collector refuses to validate. I have repeated attempted to exercise my rights under state and federal laws to have this account investigated, but I can not even get them to acknowledge my dispute or take me serious. I have received one letter from Transunion stating they did not believe it was me who sent in my dispute correspondence, which I promptly responded to and even called them to clarify. To this date, I have not received a notice of investigation results or anything to suggest they took my dispute serious. 

I am disputing the XXXX XXXX XXXX- account number # XXXX in the amount of {$3400.00} for sendora ranch. Please realize this debt collector as also repeatedly ignored my requests to validate this debt that, this balance is disputed and I do not owe it. 

Also the account with XXXX XXXX, account # XXXX - this creditor agreed to delete this account from my credit report when I paid it, but here we are 1 year later still being on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Took more than 30 days and 15 U.S. Code 1681e states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have disputed multiple accounts multiple times these accounts being shown charged off but yet still showing an active balance and the capital one says paid as agreed but yet it shows late payments and a charged off balance I know credit card companies want you to pay on time that's what you agree too so all of theses are not showing maximum possible 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