vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Experian regarding the XXXX XXXX  account reporting inaccurately on my credit profile. I clearly stated that I was challenging the validity of the account due to errors in how the balance and account status were being reported. I requested a reinvestigation and for Experian to provide detailed verification, including who they contacted and the documentation used to verify the account. Instead of a proper investigation, I received a generic response stating that the account was verified, but no proof or verification was provided to support that outcome. 

To make matters worse, the account I wasnt disputing my older XXXX account was left marked under dispute, even though I had no intention of challenging that entry. It feels like the disputes were either ignored or mishandled, and now my report is even more inaccurate than before. That alone puts me at a disadvantage as a consumer trying to fix and build their credit. 

The XXXX account continues to reflect a charged-off status and a high balance, despite efforts on my part to resolve or challenge the legitimacy of that reporting. This is not only disheartening its damaging. These negative marks are preventing me from qualifying for essential tools like a secured loan to improve my situation. 

At this point, I feel Experian is either not fulfilling their obligation to investigate under the Fair Credit Reporting Act ( FCRA ) or is failing to handle disputes properly. I am now requesting that Experian either provide concrete documentation from XXXX that confirms this information is being reported accurately, or delete the account entirely from my credit file. 

Ive done everything right. I filed through proper channels, I submitted the dispute through Experians official platform, and I followed up. I should not have to deal with careless handling of my consumer rights just to get a fair shot at rebuilding my life and my credit.

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 2025-05-07 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-05-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Formal Demand for Debt Validation and Fraud Notification under FDCPA 809, FCRA 623, and FACTA Identity Theft Protections To Whom It May Concern : I am writing in response to your recent communication regarding an alleged debt in my name. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809, I formally request validation of this debt and put you on notice of a potential identity theft incident and/or data breach affecting my personal information.

Heres What Youre Required to Provide : Under FDCPA 809 ( b ), you must cease all collection activities until you supply the following : A copy of the original signed contract bearing my wet ink signature ; Itemized accounting of the total debt, including interest, fees, and charges ; Proof of your legal authority to collect on this alleged debt ( chain of custody/assignment ) ; Proof that you are licensed to collect in my state, including collector registration number.

Identity Theft & Fraud Alert : I have reason to believe this account may have been created or accessed without my consent, possibly due to identity theft or a data breach. Therefore, per FACTA ( Fair and Accurate Credit Transactions Act ) and FCRA 605B, I am exercising my right to : Dispute this debt in full as fraudulent ; Request a block on any reporting to credit bureaus ; Notify you that this account may be part of an identity theft incident currently being investigated.

If you are in possession of any personal identifying information ( PII ), including Social Security Number, address, or financial data, you are now considered a data holder and may be liable under privacy and consumer protection laws for mishandling stolen or compromised data.

Until Proper Validation is Provided : Do not contact me again except to provide the required validation ; Do not report this debt to any credit reporting agency ; If already reported, you must remove any and all tradelines under FCRA 623 ( a ) ( 8 ) ; Failure to comply will result in a complaint filed with the CFPB, FTC, State Attorney General, and consideration of civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
This is a fraudulent account. I do not have children, and this account does not belong to me. Under FCRA 605 ( b ), I request an investigation and removal of this account if found to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This complaint is not a duplicate. It is an escalated continuation of an unresolved dispute regarding an account with Ally Financial that involves confirmed identity theft and ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ). 

I have submitted over 10 identity theft reports to Ally Financial, including : An official FTC Identity Theft Report, A notarized sworn identity theft affidavit, Allys own internal fraud documentation packet, fully completed, A personal statement confirming I never opened the account, authorized the loan, or allowed any associated party to do so. 

Despite overwhelming documentation, Ally Financial has : Failed to block the fraudulent account under FCRA 605B, Failed to delete or modify the account under 611 and 623, Continued to report re-aged and unverifiable data in violation of 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ), Ignored multiple written disputes over several years, showing a pattern of willful negligence and reckless disregard for my rights under federal law. 

To this day, the Ally Financial account ( auto loan opened XXXX XXXX XXXX  ; account ending in XXXX ) remains on my credit report. It continues to display inaccurate payment history, illegal charge-off reporting, and no valid documentation supporting the debt even after years of formal disputes and identity theft notifications. 

This complaint is not about a simple dispute it is about prolonged, systemic noncompliance with identity theft handling under FCRA : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Furnishers must block identity theft accounts within 4 business days after receiving a proper identity theft report. Ally has failed this over 10 times. 

FCRA 611 ( a ) : Experian and the CRAs must reinvestigate and delete unverifiable data. This has not occurred.

FCRA 623 ( a ) ( 3 ) and FDCPA 1692e ( 8 ) : If the account is marked as verified and not flagged as disputed, that is deceptive and unlawful.

I have reached the point of procedural exhaustion. I am respectfully demanding : Immediate deletion of the Ally Financial account from all consumer reporting agencies, A formal supervisory investigation into Allys handling of identity theft complaints, Consideration of civil penalties and enforcement under FCRA XXXX for willful noncompliance. 

This account does not belong to me. The company has had ample opportunity to correct it. I am requesting the CFPB escalate this matter immediately. 

I attached the most recent complaints, to cfpb and ally, but that would be too many to attach, the complaints and their associated ID 's can be found by Ally and CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I recently received a letter from PNC bank saying that my fraudulent charge was overturned. But i never made the charges that they overturned. I had XXXX batches of charges that i overturned, because all of them were made without my knowledge. And now they have withdrawn the amount of {$1000.00} from my account. I believe this to be an error on their part because there were over XXXX withdrawals from my account by the same company over a XXXX month period and i never made those charges. I have attempted to contact them with this, and all i got back was the answer, " there's nothing we can do ''. And they won't even tell me what the proof is. This is very disturbing because i don't have {$1000.00} in my account and i just got hit with an overdraft fee. And i have yet to receive any information about how the evidence. I am at a total lose of what else i can do. please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX has but a collection on my credit report for {$380.00} and I have no knowledge of the company and why a debt is even owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: AR

Complaint narrative:
Spoke with rep via chat on XX/XX/XXXX about bank account being charged and overcharged. XXXX stated that I owed the amount and misunderstood a email sent to me for the next date to draw out. Explained to rep that I didn't take said amount out of {$100.00} during the period of XXXX XXXX stated XXXX payment was returned in which I sent bank statements to show that was not correct and how my account was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-05-07 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent account and inquiries on my credit report. Please dispute and remove listed fraudulent account and credit inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent account and inquiries on my credit report. Please dispute and remove listed fraudulent account and credit inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-05-07 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 HAVE BEEN AFFECTED BY THE XX/XX/XXXXDATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXX/XX/XXXX {$3600.00} XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES :XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
b'Subject: Dispute of Unauthorized Hard Inquiries Due to Identity Theft  Request for Immediate Removal\n\nTo Whom It May Concern,\n\nI am writing to formally dispute multiple unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were not initiated or authorized by me and appear to be the result of identity theft, potentially connected to recent security vulnerabilities involving XXXX  and other consumer data repositories.\n\nThe following hard inquiries were not made by me and should be removed immediately under the protections afforded by the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681c-2 and FACTA Identity Theft Red Flags Rule:\n\nList of Disputed Hard Inquiries: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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation and verification of the alleged debt you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature, demonstrating my obligation to pay ; A full chain of assignment and/or a copy of the assignment contract ( s ) transferring the alleged debt from the original creditor to your agency, showing legal standing and right to collect ; Proof that you are licensed to collect debts in [ Your State ], including your license number ; A complete payment history from the original creditor. 


Until you provide the requested validation and proof of assignment, I dispute the validity of this debt, and I request that you cease all collection activities and remove any reporting of this alleged debt from all credit reporting agencies. 

Please note : This letter has been sent via Certified Mail, Return Receipt Requested, to ensure documented receipt. All future communications must be made in writing only to the address listed above. 

If you fail to validate this debt as requested, or can not provide a valid assignment contract, you must immediately cease collection efforts and delete any tradelines associated with this alleged debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A person claimed to be a merchant in which I was purchasing a product. They requested I send money through XXXX XXXX in which I did. The person fraud/spammed my account and took {$380.00} because it was done through XXXX XXXX my bank is refusing to refund my money. I filed a police report and sent all information in as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I'm writing to dispute an account on my credit report that is currently involved in pending litigation. This account should not be reported as accurate or valid while it's under legal review.

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