vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am formally disputing the inaccurate and outdated personal information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), you are required to ensure all information on my report is 100 % accurate and verifiable. The following incorrect information must be permanently removed within 15 days : XXXX. Removal of All Inaccurate & Outdated Addresses - My ONLY correct and verifiable address is : XXXX XXXX XXXX, XXXX, FL XXXX- All other addresses on file are outdated, incorrect, and undeliverable and must be deleted immediately per 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits reporting obsolete personal information. 
- Failing to remove inaccurate addresses creates security risks, increases the risk of identity theft, and violates my rights under the FCRA. 

XXXX. Removal of Incorrect Names XXXX XXXX correct name is : XXXX XXXX XXXX XXXX Any misspellings, aliases, or incorrect variations of my name must be deleted under 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy.

3. Removal of Incorrect Employer Information XXXX XXXX XXXX current employer is XXXX XXXX XXXX XXXX XXXX XXXX Any previous, inaccurate, or unverified employer listings must be removed immediately per 15 U.S.C. 1681b ( a ) ( 3 ), as they serve no legal purpose on my credit file and should not be included. 

XXXX. Removal of Inaccurate Phone Numbers - My ONLY phone number is : ( XXXX ) XXXX - Any additional or outdated phone numbers must be deleted as they are incorrect and unverifiable. 

DEMAND FOR IMMEDIATE ACTION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( FCRA ), I demand the following within 15 days : XXXX. The immediate deletion of all inaccurate addresses, names, phone numbers, and employment records from my credit report. 
XXXX.Written confirmation of these deletions within 15 days. 
XXXX. A cease-and-desist order preventing any further reporting of incorrect personal information. 

Failure to comply will result in formal complaints filed with the CFPB, FTC, and legal action under 15 U.S.C. 1681n ( FCRA ), allowing me to seek statutory damages, punitive damages, and attorney fees.

If Experian, Equifax, or TransUnion fail to correct these violations within 15 days, it will be considered willful noncompliance with federal law. 

Sincerely, 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
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am formally disputing the inaccurate and outdated personal information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), you are required to ensure all information on my report is 100 % accurate and verifiable. The following incorrect information must be permanently removed within 15 days : XXXX. Removal of All Inaccurate & Outdated Addresses - My ONLY correct and verifiable address is : XXXX XXXX XXXX, XXXX, FL XXXX- All other addresses on file are outdated, incorrect, and undeliverable and must be deleted immediately per 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits reporting obsolete personal information. 
- Failing to remove inaccurate addresses creates security risks, increases the risk of identity theft, and violates my rights under the FCRA. 

XXXX. Removal of Incorrect Names XXXX XXXX correct name is : XXXX XXXX XXXX XXXX Any misspellings, aliases, or incorrect variations of my name must be deleted under 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy.

3. Removal of Incorrect Employer Information XXXX XXXX XXXX current employer is XXXX XXXX XXXX XXXX XXXX XXXX Any previous, inaccurate, or unverified employer listings must be removed immediately per 15 U.S.C. 1681b ( a ) ( 3 ), as they serve no legal purpose on my credit file and should not be included. 

XXXX. Removal of Inaccurate Phone Numbers - My ONLY phone number is : ( XXXX ) XXXX - Any additional or outdated phone numbers must be deleted as they are incorrect and unverifiable. 

DEMAND FOR IMMEDIATE ACTION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( FCRA ), I demand the following within 15 days : XXXX. The immediate deletion of all inaccurate addresses, names, phone numbers, and employment records from my credit report. 
XXXX.Written confirmation of these deletions within 15 days. 
XXXX. A cease-and-desist order preventing any further reporting of incorrect personal information. 

Failure to comply will result in formal complaints filed with the CFPB, FTC, and legal action under 15 U.S.C. 1681n ( FCRA ), allowing me to seek statutory damages, punitive damages, and attorney fees.

If Experian, Equifax, or TransUnion fail to correct these violations within 15 days, it will be considered willful noncompliance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit, a debt collection agency that has engaged in practices I believe to be in violation of federal regulations. The details of my complaint are as follows : 1. I received a communication from Midland Credit attempting to collect a debt they claim I owe. I dispute owing any such debt to them and have communicated this dispute to the agency.

2. Revocation of Communication Consent : I have explicitly revoked any consent for Midland Credit to contact me via email, text messages, or phone calls. Despite this revocation, the agency has continued to contact me through these channels, which I believe constitutes harassment.

3. Request for Debt Validation : I have formally requested that Midland Credit provide validation of the alleged debt, as required by 12 CFR 1006.34. Specifically, I requested : A complete itemization of the debt. 
The name and address of the original creditor. 
A statement of my right to dispute the debt. 
The exact amount claimed and an explanation of how it was calculated. 
To date, they have not provided this information.

4. Request for Purchase Agreement : I have asked Midland Credit to furnish the purchase or assignment agreement between them and the original creditor to verify their legal right to collect the alleged debt. This request has been ignored.

5. Proof of Licensing and Bonding : I have requested that Midland Credit provide proof that they are licensed and bonded to operate as a collection agency in Florida, as required by state law. They have failed to provide this documentation. 

Furthermore, under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), if Midland Credit has reported this alleged debt to any consumer reporting agencies, they are required to notify them of my dispute. I have reason to believe they have not fulfilled this obligation. 

I am seeking the Consumer Financial Protection Bureaus assistance in investigating these matters. I request that Midland Credit be compelled to : Cease all unlawful communication practices. 
Provide the requested debt validation information. 
Furnish proof of their licensing and bonding. 
Notify all relevant consumer reporting agencies of my dispute regarding the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NC

Complaint narrative:
DISCOVERBANK- XX/XX/year>, {$240.00}, presumed information was exposed in data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MO

Complaint narrative:
Demanded immediate removal of unauthorized accounts pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for Experian 's records. Details of the unauthorized accounts and inquiry on my consumer report for removal : 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 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The removal of these unauthorized fraudulent accounts from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 

credit card accounts that are unauthorized include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFBNA XXXX XXXX XXXX XXXX XXXX XXXX injuries that unauthorized include 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AZ

Complaint narrative:
The removal of these unauthorized fraudulent accounts from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 

credit card accounts that are unauthorized include XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX injuries that unauthorized include XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DISCOVER FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, Im writing to dispute multiple accounts on my credit report that Experian has failed to properly investigate. Ive recently learned about the CFPB lawsuit against Experian, and it seems the issues theyre being sued for are the same ones Ive experienced. 
Here are the accounts Im disputing : Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, inaccurate account Account Name : [ XXXX XXXX XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, inaccurate account Account Name : [ XXXX XXXX XXXX  ], Account Number : [ XXXX ], Issue : Unverified Account, inaccurate account Account Name : [ XXXX XXXX XXXX ] XXXX Account Number : [ XXXX ] Issue : Unverified Account, Inaccurate Account I provided clear evidence to support my disputes, but it seems like Experian didnt actually investigate these accounts. From what I can tell, you just accepted whatever the companies who reported the accounts told you, even though their responses didnt make sense or address my concerns. 
To make things worse, the response I received from Experian didnt explain anything. It didnt tell me how these accounts were verified or provide any proof. In some cases, it feels like you mightve put back old, inaccurate information onto my report without notifying me, which is against the law. 
Heres what I need you to do : Reinvestigate each account listed above and make sure you actually verify the information with proper evidence. 
Remove any incorrect or unverifiable accounts from my credit report. 
Send me detailed results showing how you investigated these accounts and include any proof you used to verify the information. 
Make sure these accounts arent added back to my report unless theyre proven accurate, and you notify me in writing. 
Please resolve this within 30 days as required by the Fair Credit Reporting Act. If this isnt fixed, Ill file a complaint with the CFPB and consider further legal action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon. 
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 2025-03-23 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: NC

Complaint narrative:
I am resending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 


XXXX XXXX XXXX * * * * * * Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * * * Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$860.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * Balance Owed : {$1200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$690.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

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 2025-03-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I bank with XXXX XXXX  who I just found out is closing my account which is whatever honestly but I had XXXX XXXX send my sister XXXX checks XXXX for XXXX and XXXX for XXXX and she received them went to her bank ( Huntington Bank ) tried depositing them and they closed her account on her and never returned the checks to her and can't seem to tell her where this XXXX $ it's been three months I need this figured out asap because now XXXX  wants to close my account and I just want my XXXX $ back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
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, CHALLENGEDORNOT.

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 2025-03-23 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: PA

Complaint narrative:
Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up.

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts XXXX disputing : Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account I also know about the recent lawsuit between the CFPB and XXXX, where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 
Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, [ XXXXXXXX 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