vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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 XXXX DATA BREACH. PER 15 USC 1681 C-2 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. 



UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian

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 2025-03-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXXstep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IN

Complaint narrative:
On XX/XX/, I sent a letter of dispute regarding this debt, as I am not obligated to pay the amount stated. The debt appears to be based on services that were not required for my lease agreement with XXXXXXXX XXXX XXXXXXXX, where I was explicitly told that I was not required to pay a deposit upon move-in. In fact, the leasing department confirmed that a {$0.00} deposit was required for my tenancy. 

Furthermore, I emailed XXXXXXXX XXXX XXXX XXXX, declining their services due to this requirement. After I declined their services, I did not receive any further communication from them until I was contacted by XXXX XXXX XXXX regarding the collection of the debt. 

I immediately reached out to XXXX XXXX XXXX to dispute this debt and followed up with an email. I also submitted disputes through Experian, TransUnion, and Equifax, providing clear documentation, including the lease agreement from XXXXXXXX XXXX XXXXXXXX, which confirms that no deposit was required for my move-in. 

Despite providing these details, all three credit bureaus have continued to report the collection as valid, which is inaccurate given the evidence provided. I request that this issue be re-evaluated and that the collection entry be removed from my credit report as the debt is invalid. 

Please see the attached communication and documents for your reference, including my lease agreement and all correspondence related to the dispute. 

I appreciate your immediate attention to this matter and expect the removal of this collection from my credit report. Please inform me of the steps you are taking to resolve this issue and confirm the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX XXXX for what is purported to be a XXXX XXXX XXXX  Lawn debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
NOTICE OF INTENT TO SUE Date : XX/XX/year> To : Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Notice of Intent to Initiate Legal Action for Violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( XXXXFPA ) To Whom It May Concern, This letter serves as a formal Notice of Intent to Sue Experian Information Solutions , Inc. for multiple and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Consumer Financial Protection Act ( 12 U.S.C. 5536 ). 

Experian, through its XXXX division, has unlawfully reported, reinserted, and re-aged two fraudulent rental collection accounts provided by XXXX XXXX XXXX ( XXXX ). These accounts were previously disputed and deleted, yet have been reinserted without notice or proper legal validation in violation of : FCRA 611 ( a ) ( 5 ) ( B ) : Illegal reinsertion without written notice or documentation FCRA 623 ( a ) ( 5 ) : Re-aging of debt by modifying reporting dates FCRA 1681i : Failure to conduct a reasonable investigation FCRA 623 ( a ) ( 3 ) : Knowingly furnishing inaccurate or unverifiable information CFPA 5536 ( a ) ( 1 ) ( A ) - ( B ) : Engaging in deceptive and unfair reporting practices Additionally, I sent a certified dispute and validation request to the original furnisher ( NCS ), which was signed for and ignored. Despite this, Experian continues to report the unverifiable accounts, causing measurable harm. 

As a result, I have suffered : Denial of housing Emotional distress and reputational harm Time, cost, and labor associated with resolving these repeated violations I am preparing to file a lawsuit in Texas XXXX XXXX XXXX ( XXXX XXXX ) seeking {$14000.00} in total damages, including emotional distress, financial harm, statutory fines, and punitive damages. 



Demand : I am offering Experian a final opportunity to resolve this matter within XXXX calendar days from the date of this notice. 

To avoid legal action, Experian must : 1. Permanently delete the fraudulent XXXX XXXX XXXX accounts from all credit and rental reports 2. Send written confirmation of deletion 3. Provide an updated copy of my credit and rental screening reports via email If no resolution is received within 10 days, I will proceed to file my lawsuit without further notice. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-25 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: WA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2025-03-25 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: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: MI

Complaint narrative:
I contacted the Self XXXX credit card company numerous times, attempting to close out my account. I went through the prompts when directed to call XXXX. I entered all the information. After verifying, it tells you to press 5 to be directed to a representative. Then it hangs up. You're not able to close your account from the app, it directs you to call them to close it. I have incurred so many fees due to this. Once you have a card with them, you can not close out your account, and it will continue to incur fees and pull down your credit score. I have also tried contacting XXXX XXXX XXXX at XXXX due to this being the bank Self Financial , Inc uses. I had no answer from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-25 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-25 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 filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-03-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am in the process of getting a car and I can not get access to loans. Please review all documents and remove the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Capital One Legal Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CC : Consumer Financial Protection Bureau ( CFPB ) [ Submitted via www.consumerfinance.gov/complaint ] Subject : FINAL NOTICE DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT ( Acct. # XXXX ) UNDER PENALTY OF LAW Capital One and CFPB : This is my final written demand to permanently delete the fraudulent Capital One account ( Acct. # XXXX ) and associated hard inquiry from all credit bureaus within 7 days. Your failure to act will result in immediate legal action under : FCRA 616 ( 1, 000 1,0003,500 statutory damages per violation ) FACTA 114 ( identity theft penalties ) Maryland Consumer Protection Act ( {$5000.00} statutory damages ) Newly Discovered Violations Fabricated Debt Collection ( 15 U.S.C. 1692e ( 2 ) ) Capital One is attempting to collect a nonexistent debt tied to an address I never lived at ( XXXX XXXX XXXX ). This violates the FDCPAs prohibition on false representations.

Willful Non-Compliance with FCRA 623 ( a ) ( 3 ) Despite my affidavit of fraud ( previously provided ), Capital One failed to notify credit bureaus of the dispute, violating FCRAs fraud investigation requirements. 

Credit Bureau Collusion ( FCRA 611 ( e ) ) XXXX verified this account as accurate despite XXXX evidence linking me to it. This suggests systemic negligence XXXX breach. 

Irrefutable Evidence of Fraud Address Discrepancy : The account is tied to XXXX XXXX XXXX, XXXX, MD XXXX address I have never lived at ( proof : attached lease agreements, utility bills ). 

No Signed Application : Capital One can not produce a signed application or IP logs proving I applied for this card. 

XXXX XXXX XXXX : This fraud directly stems from the XXXX XXXX breach ( Case XXXX ), which exposed my SSN and DOB. 

Demands Immediate Deletion : Remove the account and inquiry from all credit bureaus within 7 days.

Fraud Confirmation Letter : Provide a signed letter confirming the account is fraudulent and deleted.

Cease Collections : Stop reporting this account to any third party, including debt buyers. 

Legal Threats If Capital One fails to comply by [ Date 7 Days from Now ] : Lawsuit Filed : I will sue in Maryland District Court for : {$5000.00} in statutory damages under Maryland law. 

Punitive damages for willful non-compliance. 

CFPB/FTC Referral : I will submit evidence to the CFPB and FTC for investigation into Capital Ones fraudulent reporting practices.

Attorney General Complaint : I will file a complaint with the Maryland AGs Office for violations of state consumer laws. 

Attachments : Affidavit of Fraud ( notarized ) Proof of residency ( XXXX ) XXXX breach settlement notice Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief