vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I am writing to dispute certain information on my credit report, which I believe is inaccurate. This dispute is made under the provisions of 15 U.S.C. 1681o, which holds entities liable for negligent failure to comply with the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report are in error : I request that you conduct a thorough investigation into this matter and correct any errors in my credit file. This is in regards to XXXX saying that I owe them {$2600.00} dollars. I spent a lot of time on the phone with them showing them that my ID and wallet was stolen around then. Someone opened an account. There is also no data on the account and the number that was taken was never used by me. I have never seen that number. If its so clear show me opening an account, making this debt. This was not me and it fits right when my wallet was stolen months earlier. SOURCE RECVB Is the reporting agency now and its from XXXX. Please take a look.. This is not fair as I am a victim of identity theft and fraud. I reported with the FTC as well. I am also entitled to dispute inaccurate information under the FCRA, and you are obligated to resolve these discrepancies in a timely and accurate manner. Please provide a written confirmation of your investigation and the steps you take to resolve this issue. If you fail to correct the information or provide adequate evidence supporting its accuracy, I may consider this a violation of the FCRA, as outlined under 15 U.S.C. 1681o, and I will pursue further action. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : XXXX. **Personal Information - Full Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX 2. **Credit Reporting Agency ( CRA ) Involved : ** - Name of CRA : Equifax , Experian, TransUnion - Date Dispute Filed : XXXX - Method of Dispute Submission : [ Online - Description of Dispute : Validation 3. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, [ insert number of days ] have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

I have attached copies of any relevant documentation, including [ list any supporting documents, e.g., dispute confirmation, correspondence with the CRA, etc. ]. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-03-02 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I got an email from bank of america for declined charges but i never opened an account

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 2025-03-02 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I recently discovered that an account was fraudulently opened in my name by an identity thief. The account with XXXX XXXX XXXX was opened without my authorization. According to my credit report, this fraudulent account was opened in XX/XX/XXXX, but I only discovered it in XX/XX/XXXX. The account is currently in collections, negatively impacting my credit profile. 
I have attached my FTC Identity Theft Report ( Report # XXXX ), confirming that I am a victim of identity theft. This fraudulent account was opened without my knowledge or consent. 
I have previously attempted to dispute this fraudulent account with the credit bureaus and the creditor, but it remains on my credit report. 
Summary of the fraudulent account : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/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 2025-03-02 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Please check the information concerning the XXXX data breach below in attachments

Company response to consumer: Untimely response
Consumer complaint received 2025-03-02 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Please check the information concerning the XXXX data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days

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 2025-03-02 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: PA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-03-02 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute an error on my credit report regarding my account with XXXX XXXX  XXXX XXXX. My credit report is inaccurately showing that I was 60 days late on my payments, which is completely false. As evidence, I have attached confirmation notices from XXXX XXXX verifying that my payments were successfully made on time. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to ensure that all information reported on a consumers credit file is 100 % accurate ( 15 U.S.C. 1681e ( b ) ). The continued reporting of false late payment information is a direct violation of my rights under the FCRA. Now that I have provided clear proof disputing this late payment claim, the burden shifts to the credit bureau to either correct the error or provide verifiable documentation proving otherwise.

If you can not provide valid, documented payment records proving the alleged late payment, then per 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA, this erroneous information must be deleted from my credit file immediately. Failure to remove this inaccurate information constitutes continued willful noncompliance with federal law, and I will consider taking further legal action to protect my consumer rights. 

I request a written response within the legally required 30-day period confirming the results of your investigation and the correction of this error. Please send all correspondence to my mailing address above. 

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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter Finance claims I owe {$18000.00}. I dont owe any of it. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I have several charge off and inquires, addresses and phone numbers that aren't associated with me. I requested information from multiple companies on my credit file because inaccuracies are reporting various dates and transferred to other companies. will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The bureas are suppose to report accurate information and based on the accounts in collections, chargeoff, and recent inquires this is not happening. I believe that i have been effected by multiple data breaches. 

Conserve : {$800.00XXXX XXXX XXXX XXXX XXXXXXXX Accounts 2018 My Name is XXXX XXXX maiden name XXXX any other name should be deleted. 

Only addresses that should be there : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete any other address on my credit.

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 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$280.00} canceled but still charged after being told the account was canceled and no payments were needed I C system XX/XX/XXXX {$580.00} I don't know what this account is at all. 

Spring oaks capital LLC XX/XX/XXXX {$760.00} i have no recollection of this account being opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice for Violations of the Fair Credit Reporting Act ( FCRA ) Account Number : XXXX Balance Claimed : {$350.00} Dear Portfolio Recovery Associates, This letter serves as a formal Cease and Desist notice regarding your continued attempts to collect an alleged debt in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws. I am demanding that you immediately cease all collection activities and remove any negative reporting related to this account from my consumer credit reports. 

Violations of Federal Consumer Law : 1. Failure to Provide Proper Verification ( 1681s-2 ( b ) ) You have failed to provide sufficient validation of this alleged debt upon my request, yet you continue reporting it to credit bureaus. This is a direct violation of your duty to investigate and correct inaccuracies.

2. Reporting Inaccurate Information ( 1681s-2 ( a ) ) You have reported false, misleading, or unverifiable information regarding this account, which constitutes illegal furnishing of inaccurate information.

3. Failure to Investigate Disputes ( 1681i ) Despite my disputes, you have failed to conduct a proper investigation or provide proof of verification as required under the FCRA.

4. Violation of My Right to Dispute ( 1692g of the FDCPA, if applicable ) Your failure to provide adequate documentation substantiating this alleged debt within the legally required timeframe violates my right to dispute its validity. 

Legal Demand : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), you are hereby demanded to : Immediately cease all collection activities regarding this alleged debt. 
Delete all negative credit reporting associated with this account across all credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 
Provide a written response within 30 days confirming compliance with this request. 

Failure to comply will result in legal action, including but not limited to filing complaints with the CFPB, FTC, and my State Attorney Generals Office, as well as pursuing civil litigation for damages. 

This letter serves as formal notice under the FCRA and FDCPA. Any further attempts to collect or report inaccurate information will be considered willful noncompliance, subjecting you to statutory damages under 15 U.S.C. 1681n and 1681o. 

This is not a requestit is a final demand. Govern yourselves accordingly. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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