vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, 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 2025-04-22 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC Its been almost 2 months since I havent been able to monitor my equifax credit report and the credit bureau refuses to fix the problem, they requested documents and a cover letter asking them to unblock my credit report and I sent what they asked twice already and they stated that they havent received anything. 
I went through the proper security channels and they still refuse to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
Account name RECEIVABLE MANAGEMENT XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$710.00} past due as of XXXXXXXX XXXX 
Status updated XX/XX/year> Balance {$710.00} Dispute of Fraudulent collection Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent collection account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft

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 2025-04-22 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: GA

Complaint narrative:
Re : Second Request for Immediate Blocking of Fraudulent Inquiries under FCRA 15 U.S.C. 1681c-2 Identity Theft Dear Experian Fraud, I am writing to you once again regarding fraudulent information that remains on my credit report. Despite my previous dispute and submission of documentation under the Fair Credit Reporting Act ( FCRA ), you have refused to remove the fraudulent account associated with : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX As previously provided, I submitted : Proof of my identity, A valid Identity Theft Report dated XX/XX/2025 Specific identification of the fraudulent information, A sworn statement affirming that the account is the result of identity theft and not associated with any transactions I made.

Under 15 U.S.C. 1681c-2, you are legally required to block this information from my credit report within four business days of receiving the proper documentation. Your failure to comply violates my rights under federal law. 
I am formally demanding once again that Experian immediately delete the fraudulent account from my credit file. 
If Experian continues to willfully or negligently violate my rights under the FCRA, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will consider seeking legal remedies available under the FCRA, including actual damages, punitive damages, and attorneys fees. 
Please provide a written confirmation of the results of your reinvestigation within the time allowed by law. 

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 explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection account handled by Credit Collection Services ( CCS ) that I have already paid in full. Despite fulfilling my financial obligation, this account continues to negatively impact my credit report, and CCS has not updated or removed the account as appropriate. This account was paid in good faith, and I have made multiple efforts to contact CCS to request an update or removal of the account from my credit report. Unfortunately, I have not received any resolution or meaningful response. This unresolved situation is unfairly damaging my credit score and impacting my financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: CA

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
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Additional interest charges added to the interest payments that I already made. This is predatory lending practices. My monthly payments are increasing as well.

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 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX RE : Request for Debt Validation and Assignment of Contract Jefferson Capital Systems Dear XXXX XXXX / To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt associated with the above-referenced account, which has been reported in connection with Jefferson Capital Systems . This letter is a formal request for verification under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *. 

Please provide the following documentation to validate this debt and verify your or Jefferson Capitals legal right to collect : XXXX. The name and address of the original creditor XXXX. A full itemized accounting of the alleged debt, including : - The total amount claimed - A breakdown of interest, fees, penalties, or other charges added XXXX. A copy of the original signed contract or agreement that created the obligation and proves I am the party responsible. 
XXXX. All documentation showing the full chain of title and ownership, including : - Assignment and sale agreements or transfer documentation * * from XXXX XXXX to Jefferson Capital Systems - Any intermediary assignments if the debt changed hands more than once - The date of each assignment or sale XXXX. * * Verification that the debt is within the applicable statute of limitations * * for collection in my state. 
XXXX. * * Proof that this alleged debt has not been paid, settled, discharged, or otherwise resolved * *. 

This letter is not a refusal to pay, but a request for proper documentation and verification of an alleged obligation. Until these materials are provided, I request that you cease all collection activities, including calls, letters, and credit reporting. If the debt has already been reported to any credit bureau, it must be marked as disputed under the * * Fair Credit Reporting Act ( FCRA ) * *. 

Please provide all requested documentation in writing to the address above. 

Sincerely, XXXX XXXX XXXX Want help finding XXXX XXXX or Jefferson Capitals official address to send this to?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
What Happened : In reviewing my credit report on XX/XX/XXXX, I discovered multiple fraudulent accounts and credit inquiries that I did not authorize. These accounts appear to have been opened without my knowledge or consent and are now negatively impacting my credit standing. 

Fraudulent Accounts : XXXX XXXX Opened : XX/XX/XXXX Balance : {$15000.00} Status : Charged Off / Collection Comment : Account was charged off as bad debt and reported as seriously past due. I never applied for or used this account. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00} Status : Charged Off / Collection Comment : This second XXXX XXXX account reflects similar fraudulent activity. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$2100.00} Status : 120 Days Late / Closed Comment : This account was reported closed with 120 days of late payment history, which I did not incur. 

XXXX Bank Opened : XX/XX/XXXX Balance : {$610.00} Status : 60 Days Late / Closed Comment : I never authorized this account and was unaware of its existence until reviewing my report. 

Unauthorized Credit Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) Date of Inquiry : XX/XX/XXXX ( Equifax ) Comment : These hard inquiries were made without my permission and are tied to the fraudulent accounts listed above. 

Actions Ive Taken : Filed a formal identity theft report with the Federal Trade Commission ( FTC ). 

Submitted a police report to document the identity theft. 

Prepared a Section 605B FCRA dispute letter and mailed it via certified mail to the XXXX major credit bureaus : Experian, Equifax, and TransUnion, including all required documentation to block and remove the accounts. 

Compiled evidence of past national data breaches ( e.g., Equifax XXXX, XXXX XXXX XXXX, XXXX XXXX ) where my personal data may have been compromised. 

Requested Resolution : I am requesting that all fraudulent accounts and unauthorized inquiries be permanently removed from my credit report. These items are damaging my financial credibility and were not initiated by me. I am also asking for a thorough investigation into how these accounts were opened and what security protocols failed to prevent the breach of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
What Happened : In reviewing my credit report on XX/XX/XXXX, I discovered multiple fraudulent accounts and credit inquiries that I did not authorize. These accounts appear to have been opened without my knowledge or consent and are now negatively impacting my credit standing. 

Fraudulent Accounts : XXXX XXXX Opened : XX/XX/XXXX Balance : {$15000.00} Status : Charged Off / Collection Comment : Account was charged off as bad debt and reported as seriously past due. I never applied for or used this account. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00} Status : Charged Off / Collection Comment : This second XXXX XXXX account reflects similar fraudulent activity. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$2100.00} Status : 120 Days Late / Closed Comment : This account was reported closed with 120 days of late payment history, which I did not incur. 

XXXX Bank Opened : XX/XX/XXXX Balance : {$610.00} Status : 60 Days Late / Closed Comment : I never authorized this account and was unaware of its existence until reviewing my report. 

Unauthorized Credit Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) Date of Inquiry : XX/XX/XXXX ( Equifax ) Comment : These hard inquiries were made without my permission and are tied to the fraudulent accounts listed above. 

Actions Ive Taken : Filed a formal identity theft report with the Federal Trade Commission ( FTC ). 

Submitted a police report to document the identity theft. 

Prepared a Section 605B FCRA dispute letter and mailed it via certified mail to the XXXX major credit bureaus : Experian, Equifax, and TransUnion, including all required documentation to block and remove the accounts. 

Compiled evidence of past national data breaches ( e.g., Equifax XXXX, XXXX XXXX XXXX, XXXX XXXX ) where my personal data may have been compromised. 

Requested Resolution : I am requesting that all fraudulent accounts and unauthorized inquiries be permanently removed from my credit report. These items are damaging my financial credibility and were not initiated by me. I am also asking for a thorough investigation into how these accounts were opened and what security protocols failed to prevent the breach of my identity.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX, CA 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
EXPERIAN INFORMATION SOLUTIONS INC is not furnishing accurate information on my credit report & file. They are still reporting that I'm disputing these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I wrote to theses companies that I'm no longer disputing these account. EXPERIAN INFORMATION SOLUTIONS XXXX is misleading new potential creditors into thinking I'm disputing these accounts by keeping those comments on my credit report and file when that is not accurate or true. I have included screenshots of my credit reports that shows the remarks for XXXX XXXX XXXX XXXXXXXX on XXXX & XX/XX/XXXX ; XXXX XXXX XXXX on XXXX and XX/XX/XXXX. 

I reached out to XXXX XXXX XXXX XXXX ( Case # XXXX ) on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( Case # XXXX ) on XX/XX/XXXX via CFPB to inform them XXXX I am no longer disputing any information on this account at this time, due to being in the process of getting a mortgage and that the dispute wording on these accounts were preventing my loan approval. I then asked them to please remove the dispute comments with all of the credit reporting agencies, which included EXPERIAN INFORMATION SOLUTIONS INC . I have attached this initial complaint letter titled : Initial Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pdf. 

XXXX XXXX XXXX XXXX responded on XX/XX/XXXX. This is part of their response, On XX/XX/XXXX, the Bank submitted a request to remove the dispute comments from the Customers credit reporting. The Customer should allow up to 30 days for the change to reflect on the credit reporting. Based on the above details, the Bank kindly requests for this complaint to be closed. I have uploaded the complete response titled : XXXX XXXX XXXX XXXX. Upon checking my credit report for EXPERIAN INFORMATION SOLUTIONS INC, it shows that they added the dispute remarks instead of keeping it off of my credit report & file ; the complete opposite of what XXXX XXXX XXXX XXXX said that they did. 

XXXX XXXX XXXX responded on XX/XX/XXXX. This is part of their resonse, The dispute removal has been completed and we report every Monday and to our understanding... it takes about 30-45 days for a reflection on your credit report. I'm sorry for any inconvenience this might have caused. I have uploaded the complete response titled : Response XXXX XXXX XXXX pdf. Upon checking my credit report for EXPERIAN INFORMATION SOLUTIONS XXXX, it shows that they still have the dispute remarks and have not deleted them, even though XXXX XXXX XXXX stated that they would send notice to them.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/year> XXXX am {$500.00} cash deposited in XXXX XXXXXXXX XXXX XXXXXXXX XXXX ATM took my card and the cash and produced a receipt stating there was a {$500.00} deposit, but the transaction is not permitted at this ATM. At XXXX am I used the credit building card which is connected to my debit account to try to withdraw the money and it refused that as well saying insufficient funds. The withdrawal attempt shows on my banks website yet they are saying they are not acknowledging this as a disputable action. XXXX says they are not responsible for the funds. The only way I can be reimbursed as if my bank files a dispute and I have spoken with every supervisor. I can get a hold of and no one will agree to do so.

Company response to consumer: Closed with explanation