vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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 am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Corp Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Arbitration Account XXXX Dear Credit Corp Solutions, I am writing in relation to the alleged debt associated with my name and account. As a consumer, I take this matter seriously and would like to address it appropriately. Due to unresolved concerns regarding this debt, I am invoking my right to resolve this dispute through arbitration in accordance with applicable laws and the terms governing the debt, including any contractual agreements associated with the original creditor. 
To facilitate the arbitration process, I kindly request the following : 1. Arbitration Clause Details : Please provide a copy of the arbitration clause in the original agreement that governs this debt.

2. Arbitration Forum Information : Specify the arbitration forum designated in the agreement and provide details on how to initiate the process. 
Furthermore, I formally request that you refrain from any third-party communication regarding this alleged debt, including but not limited to reporting or sharing information with credit reporting agencies. Such actions prior to the resolution of this matter through arbitration would be inappropriate and could be considered a violation of my rights under applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
Until this arbitration process is concluded, I respectfully request that you cease all collection efforts and direct all future communication to me in writing at the address listed above. 
I look forward to resolving this matter through the prescribed legal process. Thank you for your attention to this request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TN

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 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 2025-04-28 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: MD

Complaint narrative:
I disputed an inaccurate account on my credit report. ( XXXX  XXXX XXXX  accout XXXX ) The account was temporarily removed, but has now been reinserted after the credit bureau claimed it was " verified. '' However, no full proof of validation was provided. They stated verification by XXXX address, phone number, and mailed statements but have not provided : A copy of a signed application or contract IP address logs with timestamps Proof of billing statement delivery and receipt This does not meet the burden of verification required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the credit bureau did not notify me within 5 business days of the reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ).

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express cancelled my XXXX XXXX XXXX  without notice on XX/XX/XXXX. When I called XXXX ( XXXX at XXXX and XXXX ) and ask what was the reason, both time they mentioned of " not according to the terms or possible misuse '', but no specific on which transaction or which term that was violating their rules. 
I asked what steps to go from here, their answers were " please refer to the Claims Resolution section of your applicable Card Member Agreement ( XXXX ) '', which only provide claims or dispute with a charge with vendors. Over the years ( since XXXX ) I have accumulated almost {$800.00} rewards, they just took it away by cancelling my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-28 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: TX

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX for what is purported to be a Auto 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. 

I submitted the complaint to the XXXX XXXX as the debt being reported on my credit is not my debt. I have attached the response received from the XXXX XXXX  stating I provide the account # and Loan #. This is not my debt how could I possibly provide this information? The letter states they can not find me in their system so they need to remove the debt from my credit immediately this is hindering my ability to buy my home and causing undue hardship on me.

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 2025-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX XXXX. I used to have a business checking account with Citi Bank. I received XXXX cashier 's checks and deposited both of them individually into my business checking account. After that, my business checking account was suspended. The Citi did not returned the XXXX checks to the issuers and the fund is still on hold. I did not get anything yet with unknown reason. The fund to be refunded to me is {$190000.00}. 
Citi business checking account number is # XXXX. 
My personal information is as below. 
Name : XXXX XXXX XXXX of Birth : XX/XX/year> XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email XXXX XXXX Business Name : XXXXXXXX XXXX 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 monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2025-04-28 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: FL

Complaint narrative:
I am extremely upset after noticing an unauthorized inquiry on my credit report today. I regularly monitor my report and have never seen anything like this. I even refreshed my browser to be sure it wasn't an error, but the issue persisted. I urgently request that the documents I provided be thoroughly checked to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-28 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: NC

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

NEGATIVE MARKS/ ACCOUNT NUMBERS : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Attached is my formal dispute, along with the FTC Identity Theft Report ( FTC Report Number : XXXX ) that I recently submitted. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwestern Mediation Services
State: WI

Complaint narrative:
Received a call from Northwestern Mediation Companyvoicemail to call regarding a civil litigation. Number that populated on called id XXXX. They also called my ex-husband stating I need to call back. No idea who this is or what it is for-no documentation or additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am submitting this complaint because Equifax continues to report negative collection accounts & fraudulent accounts which I have attached in my identity report. Despite submitting a formal dispute and requesting a thorough reinvestigation under my rights afforded by the Fair Credit Reporting Act ( FCRA ), Equifax has not removed these item or provided evidence of any meaningful reinvestigation. The same accounts was previously reported to all three credit bureaus. However, there is no documentation or verification provided to justify Equifax continued reporting of these accounts. Under FCRA Section XXXX, a credit reporting agency must conduct a reasonable investigation when a consumer disputes an item. Simply verifying data electronically with the furnisher, without obtaining substantive documentation, does not meet the legal threshold of a reasonable reinvestigation. Furthermore, continuing to report a disputed item without proper verification can be considered willful noncompliance and can cause measurable consumer harm. This inaccurate reporting has affected my credit score and ability to qualify for credit products, and I am concerned that Equifax is not upholding its obligation under federal law to ensure the maximum possible accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I am submitting this complaint because XXXX  continues to report negative collection accounts & fraudulent accounts which I have attached in my identity report. Despite submitting a formal dispute and requesting a thorough reinvestigation under my rights afforded by the Fair Credit Reporting Act ( FCRA ), XXXX  has not removed these item or provided evidence of any meaningful reinvestigation. The same accounts was previously reported to all three credit bureaus. However, there is no documentation or verification provided to justify XXXX  continued reporting of these accounts. Under FCRA Section 611, a credit reporting agency must conduct a reasonable investigation when a consumer disputes an item. Simply verifying data electronically with the furnisher, without obtaining substantive documentation, does not meet the legal threshold of a reasonable reinvestigation. Furthermore, continuing to report a disputed item without proper verification can be considered willful noncompliance and can cause measurable consumer harm. This inaccurate reporting has affected my credit score and ability to qualify for credit products, and I am concerned that XXXX  is not upholding its obligation under federal law to ensure the maximum possible accuracy of the information they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am submitting this complaint because XXXX  continues to report negative collection accounts & fraudulent accounts which I have attached in my identity report. Despite submitting a formal dispute and requesting a thorough reinvestigation under my rights afforded by the Fair Credit Reporting Act ( FCRA ), XXXX  has not removed these item or provided evidence of any meaningful reinvestigation. The same accounts was previously reported to all three credit bureaus. However, there is no documentation or verification provided to justify XXXX  continued reporting of these accounts. Under FCRA Section 611, a credit reporting agency must conduct a reasonable investigation when a consumer disputes an item. Simply verifying data electronically with the furnisher, without obtaining substantive documentation, does not meet the legal threshold of a reasonable reinvestigation. Furthermore, continuing to report a disputed item without proper verification can be considered willful noncompliance and can cause measurable consumer harm. This inaccurate reporting has affected my credit score and ability to qualify for credit products, and I am concerned that XXXX  is not upholding its obligation under federal law to ensure the maximum possible accuracy of the information they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I received a letter on XXXX XXXX  from XXXX XXXX XXXX XXXX stating I opened a Citibank home Depot credit card. this is a fraud/identity account that someone opened up in my name. I never received any statements and did not know about this account until I received a letter from the XXXX XXXX. so I'm reporting this as fraud and disputing it

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