vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: AP

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Debt Validation Request - XXXX. I'm writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency on XXXX XXXX 2022 stating I owe {$870.00} on account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees 7. Proof that the statute of limitations has not expired ;

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 2025-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint against your agency due to your failure to adequately respond to my previous credit dispute ( XXXX ) and provide a reasonable resolution as required under the Fair Credit Reporting Act ( FCRA ). 

I have submitted all necessary documentation supporting my claims, including written disputes and identification, yet your agency has either failed to respond within the legally mandated timeframe or did not make any meaningful attempt to investigate or remove the inaccurate items from my credit report. 

This neglect has caused significant harm to my creditworthiness, and I consider it a violation of my consumer rights under federal law. I demand immediate action, including a full reinvestigation of all disputed accounts and inquiries, removal of unverifiable or inaccurate items, and written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. The complaint is for a collection by - I C SYSTEM in the amount of {$590.00} opened on XXXX I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

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 2025-05-14 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have outdated and inaccurate personal data reflection on my credit report .under the FCRA specifically 15 usc 1681 e ( b ) outdated and inaccurate personal information must be deleted to ensure maximum accuracy as follows : incorrect name : XXXX XXXX XXXX XXXX XXXX correct name is : XXXX XXXX XXXX incorrect employer : XXXX correct employer : 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 2025-05-14 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: TX

Complaint narrative:
This is a follow-up complaint to ensure that the ongoing inaccuracies regarding charge-off accounts on my TransUnion credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. I am disputing the following charge-off accounts : XXXX XXXXXXXX - XXXXXXXX XXXX XXXX ( {$1000.00} ), XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX ( {$4600.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$7100.00} ), XXXX - XXXXXXXX XXXX XXXX XXXX XXXX ( {$0.00} ), XXXX - XXXX XXXX XXXX XXXX XXXX ( {$320.00} ), and XXXX - XXXXXXXX XXXX XXXX XXXX XXXX ( {$0.00} )XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), TransUnion is required to ensure the maximum possible accuracy of the information they report, including verifying that charge-offs are accurately classified and validated with original, credible documentation. Given the substantial financial implications and potential harm to my creditworthiness, it is critical that these accounts be thoroughly investigated and accurately reported. Reporting charge-offs with zero-dollar balances without proper verification not only undermines the integrity of my credit profile but also raises significant concerns about potential data breaches, system errors, or careless handling of my sensitive financial information.

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 2025-05-14 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-14 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
XXXX XXXX2025, RE : CEASE AND DESIST DEMAND Dear National Credit Adjusters LLC, National Credit Adjusters LLC : furnished a report in reference to my social security number regarding an alleged debt National Credit Adjusters LLC claims is owed on. This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and this account be REMOVED from all three of consumer reports. Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
An unauthorized person gained access to my paypal account. They added themself as an " authorized user '' to my paypal account, using my own name but an email and phone number I did not recognize. They then connected a bank account at XXXX XXXX XXXX to my account. 

Using their access to my paypal account, they transferred money from my personal bank account ( {$990.00} on XX/XX/XXXX ) to my paypal balance. They then transferred the money in XXXX separate payments ( {$490.00} on XX/XX/XXXX, and {$490.00} on XX/XX/XXXX ) to their connected XXXX XXXX XXXX account. 

I have called paypal many times, talked to many people and escalated to supervisors. I scheduled a call back with a manager who never called me back. I have opened and lost multiple cases. The paypal support even appended the account activity to the cases, and they still were lost. I have screenshots of the transactions, dates, and proof showing the unauthorized account in the " Authorized users '' tab of my paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I am submitting this complaint against Equifax due to their ongoing failure to conduct a proper reinvestigation and remove inaccurate and unverifiable information from my credit report. Despite previously submitted disputes, Equifax continues to report false late payments and unauthorized inquiries without providing any documentation to support their accuracy, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Equifax 's response relied solely on the word of data furnishers without independently verifying the information, which violates FCRA 611 ( 15 U.S.C. 1681i ) and applicable case law such as XXXX XXXX XXXX XXXX XXXX ( XXXX ). I requested full documentation and a method of verification, which was not provided. 

Disputed Late Payments and Fraudulent Account XXXX  Account Number : XXXX Issue : This is a fraudulent account resulting from identity theft. I have filed an identity theft affidavit. 

Requested Action : Delete the account entirely from my credit report. 

XXXX XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all late payments while keeping the account open. 

XXXX XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all late payments while keeping the account open. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all late payments while keeping the account open. 

XXXX XXXX Account Number : XXXX Issue : This is a fraudulent account resulting from identity theft. I have filed an identity theft affidavit. 

Requested Action : Delete the account entirely from my credit report. 

XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all late payments while keeping the account open. 

Disputed Unauthorized Inquiries The following inquiries were made without my knowledge or consent and lack a permissible purpose as required by FCRA 604 ( 15 U.S.C. 1681b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries must be deleted unless Equifax can produce signed documentation proving that I authorized them. 

FCRA Violations by Equifax 611 : Failure to conduct a reasonable reinvestigation 609 : Failure to provide documentation used to verify disputed items 604 : Reporting unauthorized inquiries without evidence of consumer consent 623 : Continued reporting of inaccurate or fraudulent data without sufficient proof Supporting Case Law XXXX XXXX XXXX ( XXXX ) : Bureaus must independently verify data and not rely solely on furnishers. 

XXXX XXXX XXXX, XXXX ( XXXX ) : Lack of documentation requires deletion of disputed items. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX ) : Reckless disregard of FCRA obligations constitutes willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I received a collection notice from R.A. Rogers , Inc. claiming I owe {$26000.00} for an account allegedly from XXXX XXXX XXXX XXXX. The notice failed to comply with the Fair Debt Collection Practices Act and XXXX debt collection laws. It did not provide any itemized accounting, including charge-off date, interest, fees, or payment history. It also failed to document a full chain of title from the original creditor to the agency. 

On XX/XX/year>, I mailed R.A. Rogers a certified written request for full debt validation, including all supporting documents, as required by law. As of today, they have not provided any proper validation or documentation. They continue to attempt to collect this alleged amount without proper verification. 

I am requesting the CFPB investigate and require R.A. Rogers to cease collection activity until full validation is provided, and to remove any reporting to credit agencies if they can not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) Dear Credit Bureau, I recently submitted a dispute concerning an item on my credit report that I believe is inaccurate. You responded by stating that the item was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am now exercising my right under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) to request a description of the procedure used to verify the disputed information.

Please provide the following : 1. The name, address, and phone number of the entity that you contacted to verify the information.

2. A detailed description of the method and steps you used during your investigation.

3. Copies of any documents or communications used to verify the disputed information. 
The specific item I am referring to is : XXXX XXXX XXXX  Account # XXXX This is a formal request, and I expect your response within 15 days of receipt, as required by law. If you are unable to provide this information, I request that the account be removed from my credit report immediately. 
Please mail your response to the address listed above. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Re : Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) Dear Credit Bureau, I recently submitted a dispute concerning an item on my credit report that I believe is inaccurate. You responded by stating that the item was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am now exercising my right under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) to request a description of the procedure used to verify the disputed information.

Please provide the following : 1. The name, address, and phone number of the entity that you contacted to verify the information.

2. A detailed description of the method and steps you used during your investigation.

3. Copies of any documents or communications used to verify the disputed information. 
The specific item I am referring to is : XXXX XXXX XXXX  Account # XXXX This is a formal request, and I expect your response within 15 days of receipt, as required by law. If you are unable to provide this information, I request that the account be removed from my credit report immediately. 
Please mail your response to the address listed above. I appreciate your prompt attention to this matter.

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