vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: NJ

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 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 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has a false amount that I owe to XXXX on my credit report. They have DELETED the account, than reinstated the debt back on the report with a false opening date of XX/XX/2021. 

This information is NOT true and unjust.

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 2025-03-13 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: NV

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX * Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX/XXXX/2023

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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: IN

Complaint narrative:
I was not officially " served '' whoever left the paperwork left it on my front porch stapled with all of my personal information out in the open for anyone to see. It was not put in an envelope and no one ever actually knocked on my door or served me with the paperwork. This was for a discover card from 2023. I had also previously attempted to set up a payment plan with them a year ago for {$100.00} per month because that is what I could afford ( 2x I had tried to set up the payment plan ) and they refused. I had XXXX XXXX along with being under-employed as a XXXX  a couple of years ago which led to my economic hardship. The reason I did not follow-up with them until I was unofficially " served '' was because they would not accept my payments. They are now I believe trying to sue me just so they can get a judgment and get extra money out of me, which I don't have because I'm living paycheck to paycheck and have no assets. I also went online this evening and paid more than what was owed for the recent payment plan I did set up with them ( I set up a payment plan and they still haven't dropped the case ) and as soon as I made my payment online my access to my online account to make payments was restricted. I then tried to call the toll free number because I decided I wanted to pay even more to try to get as much of this paid off as I can, quickly ( despite it making things super tight for me this month ) but I was unable to reach anyone over the phone or make a phone payment. I believe these are all tactics to make it difficult for me to pay so they can bring a judgment against me and significantly increase the amount of money they will get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am writing to formally file a complaint against Experian for failing to adhere to consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Despite my lawful disputes regarding inaccuracies on my credit report, Experian has failed to conduct a proper reinvestigation and continues to report incorrect information, in violation of my rights as a consumer.

The violations in question include but are not limited to : * Failure to remove inaccurate or fraudulent accounts despite lack of verification.

* Failure to conduct a reasonable reinvestigation as required under FCRA 1681i.

* Continued reporting of unauthorized credit inquiries without permissible purpose under FCRA 1681b.

* Failure to provide adequate documentation proving the validity of disputed information.

I have made multiple attempts to resolve these issues directly with Experian by disputing the inaccurate information, but they have not complied with their legal obligations. These violations have caused undue financial hardship, including potential impacts on my credit score and access to financial opportunities.

In accordance with FCRA 1681s ( a ), I am formally requesting the Consumer Financial Protection Bureau to investigate Experians actions and take appropriate enforcement measures. I have attached copies of my dispute letters, Experians responses ( if any ), and any supporting documentation proving their non-compliance.

I kindly request that the CFPB intervene and ensure that Experian adheres to federal laws protecting consumer rights. Please confirm receipt of this complaint and inform me of any actions taken regarding 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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX RE : Cease and Desist Demand Fraudulent Account and Unauthorized Contact Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist all communication with me, including any further attempts to collect on any alleged debts associated with your company. This demand follows previous correspondence I sent less than 45 days ago requesting that you cease communication regarding a fraudulent account, which you have failed to comply with. 
Despite my prior cease and desist letter, you have now escalated this matter by pushing it to your managing company, which subsequently contacted me regarding the same fraudulent account. Now, I have received yet another letter from Portfolio Recovery Associates , LLC, regarding a separate fraudulent account. I have never entered into any business agreement with your company, nor have I ever given you verbal or written permission to store, collect, or share my personal information in any manner. Your actions are in direct violation of federal law. 
I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which prohibits debt collectors from continuing to contact an individual after a valid cease and desist request has been made. Furthermore, your actions also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which imposes strict limitations on the handling, sharing, and reporting of consumer information. Additionally, under 15 U.S.C. 1692d, debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding the unauthorized debit transaction that occurred on my savings account with Bank of America. I initially wrote a letter on XX/XX/XXXX, about this issue, but I have yet to receive any acknowledgment or resolution. I am extremely concerned about this matter and request immediate action. 
The details of the disputed transaction are as follows : Date of Transaction : XX/XX/XXXX Amount : {$560.00} Account Type : Savings I first noticed the unauthorized debit in XX/XX/XXXX when I reviewed my savings account statement. I immediately contacted Bank of America for clarification, and on XX/XX/XXXX, I spoke with a representative, XXXX, who indicated that this transaction was related to an auto loan with Bank of America. I was informed that the funds were taken by a collection agency and that Bank of America could retrieve funds from my savings account if there were insufficient funds in my checking account. 
After receiving an explanation from XXXX, I attempted to resolve this by contacting Bank of America multiple times. However, despite several calls and conversations with representatives such as XXXX XXXX ( on XX/XX/XXXX ), who mentioned that fees were charged due to a balance under {$300.00}, and XXXX ( on XX/XX/XXXX ) from the auto loan department, I still have not received adequate answers or confirmation regarding the authorization of this transaction. 
Furthermore, during a conversation with representative XXXX on XX/XX/XXXX, I was informed that there was no court order or legal directive for the debit from my savings account. This contradicts earlier statements made by representatives, leaving me confused and concerned about the legitimacy of this transaction. 
I request the following from Bank of America : 1. A thorough investigation into the unauthorized debit of {$560.00} on XX/XX/XXXX. 
2. A detailed explanation of how this transaction was processed, including whether it was authorized by me or if any legal documentation, such as a court order, was involved.

3. Written confirmation of the findings and a copy of any relevant documents related to this transaction, including correspondence with the collection agency.

4. Immediate credit of the {$560.00} if no authorization or legal order can be produced.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
Sezzle , Inc. has knowingly reported false late payments on my credit report despite clear evidence proving that : 1. XX/XX/XXXX XX/XX/XXXX : My Sezzle account was suspended due to Sezzles internal system issues. No payments were due, yet Sezzle falsely reported late payments during this period. 


2. XXXX XX/XX/XXXX : Sezzle falsely reported late payments for a refunded transaction that should never have been considered delinquent. 


3. XX/XX/XXXX : Sezzle reported a late payment when I actually paid too early, which led to a late fee and a negative credit report entry.

Legal Violations by Sezzle : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate credit information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Requires furnishers to correct or delete incorrect information.

Metro 2 Compliance Violation Reporting a refunded transaction as delinquent and late payments during a suspended period violates industry standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
I submitted a written dispute to Equifax regarding several unauthorized hard inquiries on my credit report. This is my second request, as my initial dispute was ignored or inadequately addressed. I contacted the creditors associated with these inquiries, and they confirmed that they do not have any record of my authorization or any permissible purpose for conducting these inquiries. 

These unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b ( Permissible Purposes ), which prohibits credit reporting agencies from including inquiries that were not authorized by the consumer or do not meet the legally defined permissible purposes. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), the credit bureau is required to delete unverifiable information, yet Equifax has failed to do so.

I also requested that Equifax provide a description of the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ), but I have not received any response or documentation regarding how these inquiries were verified. The Consumer Financial Protection Bureau ( CFPB ) has previously acknowledged issues with the EOSCAR system, which Equifax may have used in an automated and inadequate manner instead of conducting a proper manual investigation as required by law.

These unauthorized inquiries are negatively impacting my credit score, and Equifaxs failure to remove them constitutes willful non-compliance with the FCRA, as well as a potential unfair, deceptive, or abusive act or practice ( UDAAP ) under CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts are over 10 years old of the date open. This is a violation of the FCRA. These account should be deleted from my account immediately. 

DEPTEDXXXX XXXX Open XX/XX/XXXX paid and closed. 
DEPTEDXXXX  XXXX Open XXXX, XXXX Paid and closed. 
DEPTEDXXXX XXXXXXXX Open XX/XX/XXXX Paid and closed DEPTEDXXXX XXXXXXXX XX/XX/XXXX Paid and closed. 
DEPTEDXXXX XXXX XX/XX/XXXX Paid and closed.

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 2025-03-13 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: PA

Complaint narrative:
Kindly ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I have no affiliation with these accounts and did not authorize their creation. Under USC 1681g, I formally request their removal within 15 days. Please find the enclosed documents for your review and reference.

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 2025-03-13 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:
There are many accounts on my report that I've never seen before listed on my report. Attempted to dispute but nothing came of 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 explanation
Consumer complaint received 2025-03-13 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
This account that i had with comenity bank was charged off when i paid the balance to XXXX they claimed that they could collect interest on a XXXX dollar balance. I asked them to send me the credit card statements they stated that they didn't have that information anymore that they sold the debt XXXX XXXX  can not prove to me that the account should have been charged off i have asked Experian, Equifax and Transunion to investigate they always come back as if the debt is valid but when i call XXXX XXXX i am told they cant even access the account so how are the accounts coming back as valid

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have a company reporting on my credit with whom I have no idea what the debt is about or if it actually even belongs to me. My information was compromised and because they will only keep sending me payment offers and no other information, I had to reach out to you for help. This information is hurting my credit and I do not feel this is fair or correct. 

The Company is Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report ; credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX / XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXXXXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX / XXXX 5. XXXXXXXX XXXXXXXX XXXX XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I dont understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief