vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Hello XXXX, for the record let it show. This is not my account. Ive never opened the XXXX account. Ive been sending you letter after the letter dispute after a dispute and you guys will not respond. This is identity. I dispute the viability of the entire account both account accounts request that you remove these trade lines immediately. 


Upon receiving a dispute from a CRA, the furnisher must conduct a reasonable investigation into the disputed information ; " review all relevant information provided by the [ CRA ] '' in connection with the dispute ; and " report the results of the investigation to the [ CRA ].... '' [ 6 ] The furnisher must either verify the information as accurate, or if the investigation reveals that the disputed information is " inaccurate or incomplete or can not be verified, '' the furnisher must promptly modify, delete, or " permanently block the reporting of '' the information to the CRA. [ 7 ] An investigation of the disputed information " requires some degree of careful inquiry by furnishers of information. '' [ 8 ] Importantly, however, what constitutes a reasonable investigation of an identity theft dispute " will vary depending on the circumstances of the case '' and " in part on the status of the furnisheras an original creditor, a collection agency collecting on behalf of the original creditor, a debt buyer, or a down-the-line buyer-and on the quality of documentation available to the furnisher. '' [ 9 ] The closer the furnisher is to the original transaction, the more information the furnisher is expected to possess or be able to access to investigate the dispute. Merely reviewing an internal data file is not sufficient. [ 10 ] If the account level documents are no longer available due to a document retention policy, the XXXXourth Circuit has held that the furnisher, as the originator of the account, should have " at least informed the credit reporting agencies that [ it ] could not conclusively verify '' the disputed 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 explanation
Consumer complaint received 2025-05-11 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:
Hello XXXX, for the record let it show. This is not my account. Ive never opened the XXXX account. Ive been sending you letter after the letter dispute after a dispute and you guys will not respond. This is identity. I dispute the viability of the entire account both account accounts request that you remove these trade lines immediately. 


Upon receiving a dispute from a CRA, the furnisher must conduct a reasonable investigation into the disputed information ; " review all relevant information provided by the [ CRA ] '' in connection with the dispute ; and " report the results of the investigation to the [ CRA ].... '' [ 6 ] The furnisher must either verify the information as accurate, or if the investigation reveals that the disputed information is " inaccurate or incomplete or can not be verified, '' the furnisher must promptly modify, delete, or " permanently block the reporting of '' the information to the CRA. [ 7 ] An investigation of the disputed information " requires some degree of careful inquiry by furnishers of information. '' [ 8 ] Importantly, however, what constitutes a reasonable investigation of an identity theft dispute " will vary depending on the circumstances of the case '' and " in part on the status of the furnisheras an original creditor, a collection agency collecting on behalf of the original creditor, a debt buyer, or a down-the-line buyer-and on the quality of documentation available to the furnisher. '' [ 9 ] The closer the furnisher is to the original transaction, the more information the furnisher is expected to possess or be able to access to investigate the dispute. Merely reviewing an internal data file is not sufficient. [ 10 ] If the account level documents are no longer available due to a document retention policy, the Fourth Circuit has held that the furnisher, as the originator of the account, should have " at least informed the credit reporting agencies that [ it ] could not conclusively verify '' the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
I hereby contest any unsubstantiated or inaccurately documented information present in my credit report, aligning my actions with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) and the established Metro 2 data field reporting standard. It is imperative that allegations of delinquency and derogatoriness be substantiated by factual documentation, in accordance with federal and state law, to ensure accurate and complete reporting. Reporting claims that contravene legal statutes or regulations is in violation of these standards, and I urge you to rectify this situation promptly by ensuring the accuracy of your reported claims. 

Furthermore, I formally request the submission of tangible and verifiable evidence to support the validity of the mentioned account and its compliance with permissible usage standards. Should such evidence not be provided, I insist upon the removal of said account from my credit report. In this regard, I grant my authorization for the delivery of physical documentation detailing your actions and any updates to my credit report. Your expeditious attention to this matter is highly anticipated and appreciated. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recieved my credit report and noticed a few inquiries that were unauthorized and that's resulting identity theft. This has impacted my credit score negatively. The following inquiries are : XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> PLEASE SEE ATTACHMENT

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has an account still showing as a negative impact on my credit, from a XXXX  XXXX XXXX credit card, that has been charged off and taken off of my credit by XXXX, XXXX, and XXXX. It was closed in XXXX of XXXX, and taken off my credit by the other companies in XXXX of XXXX. I have screenshots of this to prove so. My credit looks great everyone else, expect Experian, where it looks terrible. I have disputed this on Eperian multiple times.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I have tried to dispute this twice in the last 2 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i have a account on my credit file that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account XXXX : XXXX XXXX XXXX XXXX * * * * * * - Date Opened 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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I received a collection letter dated XX/XX/year>, from XXXX XXXX XXXX claiming I owe {$2100.00} to XXXX XXXX XXXX ( assignee of XXXX XXXX XXXX  ), account # XXXX, file # XXXX. 

This debt was previously handled by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and was closed. I have documentary evidence confirming this resolution. 

After receiving this new collection letter, I attempted to contact XXXX XXXX XXXX through their official website but received no response. They have violated the FDCPA by : 1. Attempting to collect a debt that was already resolved 2. Failing to respond to my communication attempts 3. Potentially reporting inaccurate information to credit bureaus 4. Pursuing collection on a closed account I believe XXXX XXXX XXXX is violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by using false, deceptive, or misleading representations in connection with the collection of this alleged debt. They have provided no evidence that this debt is valid or that the previous resolution with XXXX XXXX XXXX is no longer in effect.

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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XX/XX/year> XXXX $ I reached out to the company and told them I didnt want the car no more and that I was towed and I gave them the tow location

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 2025-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Request for Deletion Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my Experian credit report. The account in question is listed under XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX 

This account is reporting a status of Late 180 Days with a balance of {$15000.00}, and it also reflects Past Due : {$15000.00}. However, this information is factually inaccurate and misleading for the following reasons : 1. The account has not been active since XX/XX/XXXX, and no payments have been made since XX/XX/XXXX. Yet, it is being reported as Open and was recently updated as of XX/XX/XXXX, which misrepresents its current status and falsely extends the derogatory reporting period. 
2. The account has reached the end of its 48-month term, as stated, and should no longer be updated monthly if no activity or payments have occurred since early XXXX. 
3. Continued reporting of this account in its current form may violate the Fair Credit Reporting Act ( FCRA ), particularly 602 ( A ) regarding fair and equitable treatment and 607 ( b ) concerning maximum accuracy in 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing a collection account from LVNV Funding that appears on my credit report. I filed a dispute through XXXX XXXX, which directed the dispute to the credit bureaus, but the account remains on my report. 

Details : LVNV Funding is reporting a collection account that I do not recognize or believe to be valid. I did not receive proper verification or documentation from LVNV Funding to support the debt, and I have not received any notice or explanation regarding the continued reporting of this item after my dispute. 

Under the Fair Credit Reporting Act ( FCRA ) and Regulation F under the FDCPA, I have the right to dispute any inaccurate or unverified information on my credit report. LVNV Funding has failed to provide sufficient validation or remove the account after a formal dispute. This account is negatively affecting my credit, and I am requesting that it be removed immediately. 

Resolution Sought : I request that LVNV Funding either provide full validation of the debt, including original creditor information and itemized charges, or remove the account from my credit reports with all credit bureaus. I also request written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian company and website are really not professional.

Ive encounter several issues with their instruction and website and employees dont take ownership to fix or is just the way this company works which is unacceptable Attached several issues with just tryin to register online, trying to upload documents to prove identity doesnt even work. They dont answer emails. I keep getting technical issues. Ive been on the phone several times past two hours and nobody answers.

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 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir, I received from my friend 5 third-party checks ( each one was approximately {$400.00}. dollars ) in XXXX, and I deposited them into my Chase checking account # XXXX. Then on XX/XX/XXXX I received a call from Chase that they need to verify all check deposits into my account recently, including checks which were issued in my name. And if I'm not getting them all the names and phone numbers, they will freeze all my funds in my bank account, including my payroll money. 
I tried to explain to them that I would do my best ( since we had a Holiday that week ) to contact them and ask them to be available. And they responded that they will close my account within 10 days, which they unfortunately did. 
I verified some of the checks, but they are giving me a very hard time going through all the checks. 
These checks are legit checks that I received from my friends, which they owed me. 
I very much appreciate that you can help me get my funds released as soon as possible. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
The deletion or blocking of accounts due to potential unauthorized inquiries or potential fraudulent activity is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute the accounts listed on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request concrete evidence bearing my signature or electronic signature. I assert that these actions may infringe upon my consumer rights under the Fair Credit Reporting Act Section 604 ( 15 U.S.C. 1681b ). It is imperative to note that these actions may have been initiated without proper validation or original documentation from the reporting companies. 


Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX  Incorrect Name : - XXXX R XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Collections that are being challenged XXXX - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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: CA

Complaint narrative:
Subject : Demand for Immediate Removal of Inaccurate Personal Information from Credit Reports Dear CFPB, I am writing to formally dispute inaccurate personal information appearing on my credit reports from XXXX, XXXX and Equifax. Despite my repeated efforts to correct these errors directly with the credit bureaus, the inaccuracies persist, which is harming my ability to access credit and other financial services. I request that the CFPB intervene to ensure these errors are investigated and removed immediately. 

Incorrect Personal Information 1. XXXX Incorrect Name : XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX ; XXXX XXXX XXXX Date of Birth : XX/XX/year> Invalid Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Invalid Employers : XXXX XXXXXXXX XXXX 2. XXXX Incorrect Date of Birth : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Addresses : XXXXXXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Invalid Employers : XXXX XXXX, XXXX XXXX XXXX 3. Equifax Incorrect Name : XXXX XXXX XXXX XXXX : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX Invalid Employers : XXXX XXXX, XXXX XXXX XXXX, XXXX Steps Taken to Resolve I have previously disputed these inaccuracies with each credit bureau directly , but the errors remain uncorrected. These inaccuracies are not only misleading but may also indicate potential identity mix-ups or fraud. 

Request for Action Under the Fair Credit Reporting Act ( FCRA ), I urge the CFPB to : Direct XXXX XXXX, and Equifax to immediately remove or correct all inaccurate personal information listed above. 

Ensure the bureaus conduct a proper investigation and provide me with written confirmation of the corrections. 

Require the bureaus to notify all entities that received reports containing these errors of the corrections. 

I have attached supporting documentation ( e.g., government-issued ID, proof of address ) to verify my true personal information. Please contact me promptly if additional information is needed. 

Sincerely,

Company response to consumer: Closed with non-monetary relief