vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management Inc XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Request for Debt Validation - XXXX Dear Midland Credit Management, I am writing to request validation of the debt that you claim I owe, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information in writing : 1. The name and address of the original creditor.

2. The amount of the debt and an itemized breakdown of any interest, fees, or other charges.

3. Proof that you have the legal right to collect this debt, including documentation showing your authority to collect on behalf of the creditor.

4. Copies of any agreement or contract that legally obligates me to pay this debt.

5. Proof that the debt is still within the statute of limitations for collection in my state.

If you can not provide this documentation, please confirm in writing that you will cease collection efforts and remove any negative information from my credit report.

Additionally, I request that all communication regarding this matter be conducted in writing. Please note that under 15 U.S.C. 1692c, I am requesting that you do not contact me by phone regarding this debt.

Thank you for your cooperation. Please respond within 30 days of receiving this letter, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since the commencement of this ordeal, this company has consistently obstructed my access to necessary information. Despite my repeated requests, they persist in demanding my presence. When attempting to obtain my bank statements or similar documents, I was redirected to a different location, where I was subsequently held up. 
Furthermore, I have requested the closure of account XXXX, a new account that has not been subject to any issues. This account contains my tax returns, and yet, they have refused to close it. They have informed me that I will have until within the next month to close the account, after which it will take approximately two more weeks before I can access the funds.

I would appreciate it if you could verify the status of my taxes on this account. I have a valid reason for holding the account, as it has not been involved in any other issues that warrant its retention. Despite my efforts to close the account, they have consistently denied my request, citing inconvenience as the sole reason.

I am currently unemployed and would like to have access to my funds promptly. I kindly request your assistance in closing this account so that I can retrieve my taxes as soon as possible.

Thank you for your attention to 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Company Being Complained About : Affirm , Inc . 

Issue Type : Improperly reported charge-offs Lack of account information provided upon request Failure to provide details on the credit dispute investigation Complaint Details : I am filing this complaint against Affirm due to their failure to properly respond to multiple requests regarding charge-offs reported on my credit report. Despite my repeated attempts to obtain information about these accounts, Affirm has not provided any account details, statements, or documentation to verify these charge-offs. 

Furthermore, I disputed these charge-offs with the credit bureaus and requested that Affirm provide me with details on the steps taken to investigate my dispute. However, they have not responded with any documentation or explanation regarding their investigation process. 

Under state and federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ), Affirm is required to provide accurate and complete information on charge-offs reported, including steps taken to investigate disputes. By failing to do so, I feel that my rights have been violated. I believe Affirm is not in compliance with these consumer protection laws, and I request that the CFPB take action to ensure they provide : A full and detailed explanation of the charge-offs, including account numbers, statements, and supporting documentation. 
A thorough report on the steps taken to investigate my credit dispute. 
A correction or removal of any unverifiable or inaccurate information from my credit report. 
Desired Resolution : If Affirm can not provide all of the steps taken on the investigations for all XXXX charge-off disputes, I request that the 3 charge-off accounts be removed from my credit report. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
On XX/XX/year>, I became the victim of identity theft. I attempted to create an Experian account to review my credit report, but was informed that an account already existed under my name. When I tried to reset the password, I discovered that the phone number and email address associated with the account do not belong to me. I have never used a phone number ending in XXXX, and the masked email address displayed is far too short to match my actual email address, which Ive had for many years. 

This strongly suggests that the individual committing identity fraud also created a fraudulent Experian account using my SSN and other personal information, but with their own contact details. Because of this, I am completely locked out of accessing my own credit file. I was able to place a security freeze and fraud alert via phone this morning, however, I am worried about being locked out of my account and that these measures can be easily overturned by whoever is using my account. 

I have attempted to contact Experian numerous times through multiple phone numbers and options, but have been unable to reach a live representative. Each time I follow the phone tree and request to speak with someone, the call say it can not connect me to a person and then disconnects on me. This has made it nearly impossible to report the fraudulent account or secure my information. 

It is unacceptable that a company entrusted with consumer credit data offers no accessible path to resolve fraud-related issues, especially when their own system is being used by identity thieves. I am requesting assistance to have the fraudulent account closed and to be granted access to my real Experian credit file.

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 2025-03-27 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy or my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 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 2025-03-26 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have a company by the name Santander consumer on my credit report. I am requesting a verification of debt under 15 U.S.C 1692g ( a ), a 1099c of verification of the debt being a charge off see XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want a original contractor bearing my signature with 10 point font it should be understandable and readable per consumer protection Act 68 2008 ( CPA ).

I want a itemize breakdown of how you figure i owe this money. 

I understand Santander has engaged in false malpractice 's and erroneous FDCPA violations. SEE COMMONWEALTH OF PENNSYLVANIA BY ATTORNEY GENERAL XXXX XXXX XXXX SANTANDER CONSUMER USA INC I have filed a complaint with the XXXX, and sent information to the Attorney general. 

I want this information i requesting to be uploaded as a response into the CFPB portal. 

Failure to comply will result in a filing with the department of consumer affairs & FCRA & FDCPA rights violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NV

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX Account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-27 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX  Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at rental apartments open between the years of XXXX THROUGH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX including collections accounts XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the account I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX XXXX  Balance : {$4700.00} - Account # : XXXX XXXX - XXXX : {$150.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$350.00} - Account # : XXXXXXXX XXXX XXXXXXXX XXXX - XXXX : {$4200.00} - Account # : XXXX XXXX XXXX XXXX Balance : {$4000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX XXXX  Balance : {$4700.00} - Account # : XXXX XXXX - XXXX : {$150.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$350.00} - Account # : XXXXXXXX XXXX XXXXXXXX XXXX - XXXX : {$4200.00} - Account # : XXXX XXXX XXXX XXXX Balance : {$4000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-27 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: GLA Collection Company, Inc.
State: IN

Complaint narrative:
was medical not supposed to be removed from credit reports by XX/XX/year>? 
according to research shows that ( cfpb ) actually prohibited reporting agencies from including medical debt gla collections have failed to honor this new rule GLA COLLECTIONS {$4200.00} have disputed a few times with no solutions they have refused to remove the debt from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

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 non-monetary relief