vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian, TransUnion, and Equifax for reporting inaccurate, inconsistent, and misleading information on my credit report regarding an account associated with XXXX XXXX  Account # XXXX. These inaccuracies are negatively impacting my credit standing, and despite previous attempts to dispute the errors directly with the credit bureaus, the information remains incorrect. 
Inconsistent Two-Year Payment History : XX/XX/XXXX : Experian reports 150 days -Trans Union reports nothing and Equifax XXXX XX/XX/XXXX : Experian/Equifax Reports 120 days and Trans Union reports nothing XXXX  XXXX : Experian /Equifax show XXXX XXXX and Trans Union reports nothing XXXX  XXXX : Experian reports CO- Trans Union reports nothing and Equifax reports OK XXXX XXXX : Experian reports CO-Trans Union reports nothing and Equifax reports ok High Credit Amount : Trans Union reports $ XXXXExperian reports {$0.00} and Equifax reports {$6500.00} Credit Limit : Trans Union/Experian reports {$23000.00} and Equifax reports {$0.00} Date Last Active : Trans Union reports XXXX-Experian reports XX/XX/XXXX and Equifax reports XX/XX/XXXX In compliance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I request that Experian, Trans Union and Equifax conduct a full investigation and correct these errors promptly. If the information can not be verified, it must be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, TransUnion, and Equifax for reporting inaccurate, inconsistent, and misleading information on my credit report regarding an account associated with XXXX XXXX  Account # XXXX. These inaccuracies are negatively impacting my credit standing, and despite previous attempts to dispute the errors directly with the credit bureaus, the information remains incorrect. 
Inconsistent Two-Year Payment History : XX/XX/XXXX : Experian reports 150 days -Trans Union reports nothing and Equifax XXXX XX/XX/XXXX : Experian/Equifax Reports 120 days and Trans Union reports nothing XXXX  XXXX : Experian /Equifax show XXXX XXXX and Trans Union reports nothing XXXX  XXXX : Experian reports CO- Trans Union reports nothing and Equifax reports OK XXXX XXXX : Experian reports CO-Trans Union reports nothing and Equifax reports ok High Credit Amount : Trans Union reports $ XXXXExperian reports {$0.00} and Equifax reports {$6500.00} Credit Limit : Trans Union/Experian reports {$23000.00} and Equifax reports {$0.00} Date Last Active : Trans Union reports XXXX-Experian reports XX/XX/XXXX and Equifax reports XX/XX/XXXX In compliance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I request that Experian, Trans Union and Equifax conduct a full investigation and correct these errors promptly. If the information can not be verified, it must be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report. These accounts on my credit report are hurting my ability to obtain credit. 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company went bankrupt, and never received information on balance, nor any information signature of proof of balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company went bankrupt, and never received information on balance, nor any information signature of proof of balance

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Company went bankrupt, and never received information on balance, nor any information signature of proof of balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare is our problem. Weve been with them since 2011. In XXXX we changed insurance companies. Our loan was XXXX. But when we changed insurance we notified them the same day. Our insurance ( XXXX ) called them and when they asked for proof of insurance I sent it to them numerous times, but they kept threatening to use their own insurance. We had to pay XXXX almost {$900.00} to keep from losing credibility and insurance! Finally in XXXX I threatened them with getting an attorney and they suddenly found I had always had insurance. Since then they have repeatedly changed the billing methods and amounts. Added fees for reasons we dont understand. Said they would let us remove escrow when we asked, then after they said they would, they changed their minds and said their mortgage insurance will not allow it. We are on SS. We are seniors. We feel like they hope we go into foreclosure. We have had to use savings account money to pay our insurance. They told us they would pay us back the money we paid XXXX. Then they told us wed have to give them back the money after farmers returned it to us, finally they said it was our job to ask farmers for the money, XXXXXXXX XXXX billed them for it but has never heard a word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I received an email on XX/XX/year>, regarding a debt allegedly owed to Jefferson Capital Systems. They acquired this debt from XXXX XXXX, as mentioned in the email they sent. However, I never gave written consent for Jefferson Capital Systems to contact me electronically regarding any new debts they may have on file or acquired. Nevertheless, I did send a debt validation letter via email to confirm that I do indeed owe this debt. Additionally, I sent a letter via USPS. My sole request was that they email me only to validate the debt, rather than attempting to collect it since I neither claim nor acknowledge the debt. This request was made after sending the initial email to validate the debt that they claim I owe. Here is a copy of that email and letter that I sent. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX. Jefferson Capital Systems , LLC reference # XXXX. 

To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. I formally request debt validation per my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1. Validation of the debt The

name and address of the original creditor, the original account number, and a full accounting of the debt ( including principal, interest, fees, and payments made since the account was open ).

2. Proof of ownership Documentation proving that Jefferson Capital Systems LLC has the legal authority to collect this debt in my state ( Arizona ).

3. Verification of the debts validity A copy of any signed agreements or contracts that prove I am legally obligated to pay.

4. Chain of custody A detailed record of the transfer of ownership of the debt from the original creditor to other collection agencies, and then to Jefferson Capital Systems LLC.

5. Statute of limitations Confirmation of the last date of activity on the account to verify whether the debt is still legally collectible. 

Until you provide adequate and detailed validation, I request that you cease all collection efforts, including reporting this debt to any credit bureaus. If you can not validate the debt, I request its immediate removal from my credit report per the Fair Credit Reporting Act ( FCRA ).

Please respond in writing via email and mail ( USPS ) within 30 days of receiving this letter. Any further attempts to collect without validation will be considered a violation of my rights. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
I have identified multiple items on my credit report that I do not recognize, indicating potential identity theft. As I did not authorize these accounts, I am formally requesting their immediate removal. Despite previously reporting this issue, it remains unresolved and continues to cause me significant distress. These unauthorized accounts misrepresent my credit history and financial management. If this matter is not promptly resolved, I am prepared to take legal action to protect my rights. The presence of these inaccurate items is severely affecting my financial goals, including purchasing a home and supporting my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXXXXXX  ( Original Creditor : XXXX XXXX   ) XXXX Balance {$1400.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-24 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. this has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible.

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 2025-03-24 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an email from American Express offering XXXX bonus Membership Rewards points each time I spend {$1000.00} on my card, up to 3 times. I clicked the button to enroll in the offer, but when I did, the offer presented was only offering XXXX bonus points each time I spend {$1000.00}. I contacted American Express to request that they honor the original offer that was emailed to me, but their customer service agents refused. I am attaching a copy of the email I received for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never opened these accounts. My signature must have been electronically signed, fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
Date XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX To : Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas, XXXX Dear Experian, Im writing to formally dispute inaccurate and unverified information that is being reported on my credit file in violation of the Fair Credit Reporting Act. Upon reviewing my credit report, I discovered XXXX XXXX  and XXXX XXXX XXXX with inaccurate information. - Per 15 USC 1681 Experian, is reporting inaccurate information that violates the FCRA. They are in violation of my rights to privacy by reporting non-public personal information without my permission or consent. Per 15 USC 1666B A creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Per 15 USC 1681 S-2 ( B ) failure to provide accurate reporting. If the disputed items can not be verified, therefore I demand the following actions to be taken within 30 days : 1. Remove lates from my credit file. 2. Provide written confirmation of deletion of lates. 3. Refrain from reporting unverified information in the future. Failure to comply with these request will leave me choice but to escalate this matter by filing a complaint with the CFPB considering legal actions for damages under the FCRA. I want deletion of all the lates, Please update as NO DATA or Current as each Violation are subjected to {$1000.00} dollars each. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AL

Complaint narrative:
Disputed item to agency, items was removed after original dispute but items are back onto my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: HI

Complaint narrative:
This is from a 2015 purchase well over 7 years of the federal regulated laws that continue to provide the account incorrect of totaled vehicle by a stranger in another vehicle that rear ended my vehicle under the influence with possession of narcotics. The account was paid always on time and with legal GAP that did not show and is not showing the 100 % severed account paid. It instead is reporting it constantly and negative as a write off to even a late payment as too late. Please remove this XXXX account with all credit bureaus Experian, XXXX, and 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 2025-03-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
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. 
XXXXXXXX XXXX  XXXX XXXX Owed : $ XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
The company i am reporting is BMW FINANCIAL SERVICE The dates opened was XX/XX/XXXX ( XXXX yrs, XXXX mos ). Reported in XX/XX/XXXX. The amount of the debt is {$21000.00}. The action i have taken have been disputing on all bureau providing documentation that this account wasn't mines but opened through fraud.I have sent out Account validation Letters and have not received a response and the account have not been deleted. My social security number through experian is wrong and doesn't match who i am correctly.

The company has not provided anything but continuing to say the debt was validated when i wasn't free in the community in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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