vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
RE : Formal Dispute of Any Alleged Debt, Cease and Desist, Demand for Deletion of Data, and Intent to Sue for {$12000.00} in Damages To Midland Credit Management ( MCM ), This letter serves as my formal dispute of any and all alleged debts you claim are associated with me. I have never entered into any agreement or signed any contract with Midland Credit Management, its affiliates, or clients. Your continued and repeated callsseven days a weekare unwelcome, unlawful, and constitute harassment. 

Let it be clear : I do not owe your company any money, and you are permanently barred from contacting me in any form from this point forward. Additionally, you are to remove all of my personal information and any record of alleged debt from your systems and databases immediately. 

Your actions violate the following powerful federal laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 1692d Prohibits harassment, oppression, or abuse by debt collectors 1692c Prohibits calls at inconvenient times and continued communication after written notice 1692g Requires written validation of debt within 5 days of first contact 2. Telephone Consumer Protection Act ( TCPA ) 47 U.S. Code 227 Prohibits unsolicited calls to cell phones using automated systems or artificial voices Each violation can result in {$500.00} to {$1500.00} in statutory damages per call 3. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 Requires accurate reporting and prohibits reinserting deleted accounts without proper notice If your company is furnishing fraudulent or unverifiable debt to credit bureaus, this is a serious violation XXXX. Gramm-Leach-Bliley Act ( GLBA ) Protects consumer financial privacy ; acquiring or using my information without consent is unlawful I am demanding : XXXX. XXXXmmediate removal of any and all accounts, records, or alleged debts associated with my name, phone number, or personal information. 
XXXX. Immediate cessation of all phone calls, mail, emails, or digital contact. 
XXXX. A written confirmation within 10 days that you have complied with this demand. 

Your company has already caused severe emotional distress, mental disturbance, and disruption to my peace, for which I am seeking {$12000.00} in damages. If you fail to comply, I will proceed with : Initiating a lawsuit in small claims or civil court for harassment, illegal debt collection practices, and privacy violations This is your final notice. All further contact will be treated as additional violations and used as evidence in court. 

You are now legally on notice. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
Subject : Request for Immediate Deletion of Incorrect Information from My Credit Report Dear Credit Bureau I am writing to formally dispute incorrect information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit bureaus are required to ensure that all information reported is 100 % accurate. The presence of incorrect phone numbers on my credit report constitutes a violation of this law. 

The following phone numbers are inaccurately listed on my credit report and must be deleted immediately : XXXX XXXX XXXX  As per the FCRA, I am requesting that these erroneous phone numbers be removed from my credit file without delay. Failure to correct these inaccuracies could result in further action to enforce my rights under federal law. 

Please provide written confirmation once these phone numbers have been deleted from my credit report. If you require any further information from me to expedite this correction, do not hesitate to contact me at the provided contact details. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Immediate Deletion of Incorrect Information from My Credit Report Dear Credit Bureau I am writing to formally dispute incorrect information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit bureaus are required to ensure that all information reported is 100 % accurate. The presence of incorrect phone numbers on my credit report constitutes a violation of this law. 

The following phone numbers are inaccurately listed on my credit report and must be deleted immediately : XXXX XXXX XXXX  As per the FCRA, I am requesting that these erroneous phone numbers be removed from my credit file without delay. Failure to correct these inaccuracies could result in further action to enforce my rights under federal law. 

Please provide written confirmation once these phone numbers have been deleted from my credit report. If you require any further information from me to expedite this correction, do not hesitate to contact me at the provided contact details. 

I appreciate your prompt attention to this matter. 

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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time

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 2025-03-30 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I was told by my XXXX XXXX  my information was leaked from the U.S. database, Equifax breach and other websites. 

I do not have accounts with these companies or do any business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Removal request Fraudulent Inquiries Due to Identity Theft Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify inquiries are resulting from identity theft that must be blocked or deleted. 

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 2025-03-30 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: TX

Complaint narrative:
HELLO, PLEASE HELP ME TAKE OFF AND REMOVE THE FAKE AND FRAUD ACCOUNTS THAT I HAVE REPORTED AND UPLOADED TO YOU. I AM A VICTIM OF 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 2025-03-29 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: UT

Complaint narrative:
I am writing to file a official complaint about the blatant and unacceptable inaccurate errors on my credit report. This is not only a severe violation of my rights, under the fair credit reporting act ( FRCA ), but it is also causing significant damage to my financial reputation. I demand actions to rectify this situation.

There is incorrect information being reported on my credit file, specifically regarding, XXXX XXXX account opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX account opened XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX account opened XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX  account opened XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX All of these accounts mentioned above is incorrect.

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 2025-03-29 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:
I have continuously reported IDentity theft issues and have been ignored it seems. I feel I am being forced to try and prove that accounts dont belong to me when in fact it should be up to the creditor to prove that they do. According to the FCRA it is the responsibility of a data furnisher to provide true and accurate information when reporting information to be recorded on my Consumer Report. Furthermore the FCRA prohibits any company that has purchased a debt from its original creditor to provide 3rd party data with regard to an original debt once the debt has bee charged off, sold, or abandoned by its original owner. Even as some on the accounts on my credit are known to be fraud, and were previously removed from my credit report, i find that the removed items in some cases have been resold as bad debt to another company for collection.

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 2025-03-29 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 have continuously reported IDentity theft issues and have been ignored it seems. I feel I am being forced to try and prove that accounts dont belong to me when in fact it should be up to the creditor to prove that they do. According to the FCRA it is the responsibility of a data furnisher to provide true and accurate information when reporting information to be recorded on my Consumer Report. Furthermore the FCRA prohibits any company that has purchased a debt from its original creditor to provide 3rd party data with regard to an original debt once the debt has bee charged off, sold, or abandoned by its original owner. Even as some on the accounts on my credit are known to be fraud, and were previously removed from my credit report, i find that the removed items in some cases have been resold as bad debt to another company for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax on XX/XX/2025, on or about XXXX XXXX  XXXX. I spoke to an XXXX  XXXX  agent who may have been in XXXX. I asked her to submit a valid complaint bout the excessive hold time. I was on hold over XXXX minuets. She incorrectly blamed the high call volume for the long hold. I informed her its not the call volume thats at fault, its the insufficient number of employees in correlation to the high call volume that is the problem. If Equifax had more agents answering the phone, the excessive hold times would reduce. The XXXX  agent then deliberately and willfully disconnected the phone on me. I called for a reason and I needed to file a dispute. I called Equifax in response to the inaccurate information on my credit file. This is NOT a request for a copy of my credit report. This is NOT a dispute request. Please reprimand the female offshore agent who engaged in call-avoidance and is disconnecting phone calls on customers. In addition, this is a consumer law violation and I will consider retaining an attorney for purposes of filing a legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This not the first time this has happened. It occurred last year as well. 

When logging into the Experian web site at XXXX XXXX XXXXexperianXXXX after logging in with my user name, password, and doing XXXX, it lets me in. However, after every link click on the site it repeats and starts the process all over again. I have to login in XXXX etc. and I can get nowhere past the main options page. I went through the logon process 6 times with no progress. 

The problem seems to be rooted in the fact that Experian tries to force web site users to sign up for Experian XXXX and agree to terms that are unrelated to providing a free credit report. If one does not accept the terms for the unwanted Experian XXXX, they deny consumers the ability to use their web site for working with credit freezes, requesting credit reports, reviewing credit reports, etc. These forced sign up attempts have been occurring for years. You shouldn't be forced to agree, then attempt to withdraw your " consent '' after they took away your legal rights. 

Their automated phone number ( XXXX ) doesn't allow you to report the problem under " technical '' or " web site '' assistance. It too puts one in a unending loop for " assistance logging into the site '' and no other option. 

This is not reasonable when one is being actively targeted for credit 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 2025-03-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington XXXX DC XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( FCRA 605B ) To Whom It May Concern, I am writing to formally request the immediate removal of fraudulent accounts and inquiries from my credit reports under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ). As a documented victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of my claim. 

The following accounts and inquiries were opened or made fraudulently using my identity and must be permanently deleted within four ( 4 ) business days as mandated by law : Fraudulent Inquiries ( Must Be Removed Immediately ) 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  Fraudulent Accounts & Collections ( Must Be Deleted Immediately ) : XXXX ( # XXXX ) {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX  ) {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX ( # XXXX ) {$550.00} XXXX XXXX XXXX ( # XXXX ) {$2500.00} XXXX XXXX XXXX ( # XXXX ) {$58.00} Fraudulent Addresses ( Must Be Removed Immediately ) : XXXX XXXX, XXXX XXXX, IN XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Under FCRA Section 605B, credit reporting agencies must block and remove all fraudulent information within four ( 4 ) business days of receiving a valid request, which I have provided along with my FTC Identity Theft Report. 

Failure to comply with this legal obligation will result in a formal complaint with the Federal Trade Commission ( FTC ), the Attorney Generals Office, and possible legal action for non-compliance with consumer protection laws.

I expect written confirmation that these fraudulent accounts, inquiries, and addresses have been removed permanently within four ( 4 ) business days. Please send confirmation to the address or email listed above. 

Sincerely, XXXX XXXX XXXX FTC Identity Theft Report XXXX XXXXXXXX ( Attached )

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute that inquiries in my credit report are a result of identity theft. After reviewing my credit report, I identified fraudulent inquiries that I did not authorize and are associated with identity theft. 
Identify items ( account and inquiries ) are resulting from the identity theft that should be blocked or deleted. 
Fraudulent inquiries are XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Last Week I received an email from capital one that both of my saving and checking account is restricted due to Unusual Activity, the reason they provide is that I send XXXX to a potential risk account, And They said they have ended my relationship with me due to that reason, I asked them if they close my account, how do I receive the fund in my account, that has been hold, they said they can't provide a time for the release of my fund hold in capital one and capital one said it will be released after review and they refuse to provide detail about my review process. They said they decide to end bank relationship with me, and they are holding my fund in capital one preventing me withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-30 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:
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 ONE 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 explanation