vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My email keep changing to a number I do not know as well as my credit/debit cards app/online login

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit file associated with my account ( Account XXXX. XXXX ). Specifically, the credit report reflects late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I assert that these entries are inaccurate and demand immediate investigation and corrective action, pursuant to my rights under federal law, including but not limited to : 15 U.S.C. 1666b ( Timely Billing Requirements ) Fair Credit Reporting Act ( FCRA ) Fair Credit Billing Act ( FCBA ) Equal Credit Opportunity Act ( ECOA ) Consumer Financial Protection Bureau ( CFPB ) Regulations I have consistently maintained timely payments on my account and have no record supporting the alleged delinquencies. It appears these late payment reports are the result of either a billing error, reporting mistake, or a failure to comply with required notice and timing standards under federal law. As outlined in 15 U.S.C. 1666b, creditors must provide a minimum 21-day notice period prior to a payment becoming due. Failure to adhere to this requirement invalidates any negative reporting based on such payment. Under the FCRA, I am entitled to dispute and demand the reinvestigation of inaccurate information, and you are required to verify the completeness and accuracy of the contested information. The XXXX also mandates the prompt resolution of billing disputes, while the XXXX and CFPB regulations protect against unfair and unlawful credit reporting practices. Accordingly, I am requesting the following actions : A full and detailed investigation into the late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Provision of all documentation and payment records substantiating these derogatory entries. Immediate removal of the inaccurate late payments from my credit report if you are unable to provide verifiable and documented proof supporting their accuracy. Written confirmation of the results of your investigation and any corrections made to my credit file. Please be advised that failure to respond adequately and within the timeframe required by the FCRA ( 30 days from receipt of this dispute ) may result in further actions, including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and the Office of the Comptroller of the Currency, as well as consideration of private legal remedies to protect my rights. I expect acknowledgment of receipt of this letter within five ( 5 ) business days and a full response, including the results of your investigation, within thirty ( 30 ) days, as mandated by federal law. Thank you for your immediate attention to this urgent matter. I look forward to your prompt and full resolution of this dispute. 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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. further, i certify that I am permitted by FEDERAL and state LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C. 1001. additionally, these misstatements are punishable as perjury under 18 U.S.C . 1621. this collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. all is being investigated by the FTC

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 2025-04-27 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: NY

Complaint narrative:
These are inquiries that i do not recognize on my credit report used to open a credit account. They where not successful and I did not experience any lost. I'm currently using XXXX XXXX XXXX monitoring services provided to me for free. Due to major data breach. I followed there advice and changed all passwords. I would like these inquiries removed from report. Even knowing they had minor to no effect on credit. I also submitted a credit freeze XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX  ( Bank )

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf regarding late payments incorrectly reported on my credit record. Despite sending validation request letters over 30 days ago, I have received no response from the creditor, who has failed to provide any evidence supporting these alleged late payments as required by consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I was affected by the Equifax Data Breach my personal information was exposed. I am a victim of Identity theft pursuant to 18 USC 1028A, I never authorized the accounts to report on my credit report. Please check information concerning the equifax Data breach below in the attachments including FTC 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 2025-04-27 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:
I was affected by the Equifax Data Breach my personal information was exposed. I am a victim of Identity theft pursuant to 18 USC 1028A, I never authorized the accounts to report on my credit report. Please check information concerning the equifax Data breach below in the attachments including FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Linebarger Goggan Blair & Sampson LLP
State: MA

Complaint narrative:
Subject : Debt Collection Attempt Without Proper Validation Linebarger Goggan Blair & Sampson LLP I am filing this complaint against Linebarger Goggan Blair & Sampson LLP for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. 

Specifically : This firm attempted to collect an alleged debt related to tolls and fees claimed by the XXXX XXXX XXXX XXXX XXXX XXXX ), but failed to provide proper validation as required by 15 U.S.C. 1692g.

No signed contract, instrument bearing my wet signature, or chain of title to any financial liability has been produced. 

Instead, the firm provided a generic statement referencing a license plate number and XXXX claims, which is insufficient for validation under federal law.

The firm admitted that no attorney personally reviewed the circumstances of the account, violating 15 U.S.C. 1692e ( 3 ) ( false representation or implication that communication is from an attorney ). 

They admitted to unilaterally adjusting the alleged balance by applying a " one-time courtesy '' reduction of {$180.00}, thereby altering the alleged debt without formal adjudication or proper validation. 

This communication was directed to a name in all capital letters ( " XXXX, XXXX '' ), which does not represent the living man, but a separate legal entity whose interest is already held under prior claim by a private trust. This is an attempt to unlawfully collect from a third-party interest. 

I dispute this debt in its entirety and demand that the collection account be immediately closed, the balance marked as XXXX, and no further collection attempts be made. 

I request that the CFPB require Linebarger Goggan Blair & Sampson LLP to : Cease all collection efforts, Issue written confirmation that the balance is XXXX, Provide assurance that no adverse reporting or future collection will occur, And acknowledge their violations of the FDCPA in writing. 

Attached are copies of the communications received from the firm. 

Additionally, I have a perfected superior security interest in the legal entity name ( " XXXX, XXXX '' ) as evidenced by a Uniform Commercial Code ( XXXX ) Financing Statement filed on record. 
Any unauthorized attempts to claim, collect, or encumber property associated with said secured entity without consent constitute willful trespass, unlawful conversion, and violation of commercial law. 
I reserve all rights, remedies, and defenses, without prejudice. 
A formal Notice of Private Claim and Lien Warning is included as an attachment to this complaint. This serves as formal notice to the debt collector. 
Respondents failure to rebut the attached Notice point-by-point will be deemed as full acceptance of the claims and terms set forth therein, pursuant to the Uniform Commercial Code ( UCC ) and principles of estoppel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a widespread identity theft. In XXXX, I received a notice from a company named Klarna that I owed them {$1700.00} for an XXXX rental. I called them on XX/XX/XXXX to report my identity theft issue, that I had never created a Klarna account, but that my cell had been SIM-ported, my computer taken over, and all of my personal identification breached, making it possible for someone else to open an account in my name. I said this had been reported to the local police department and also the FBI ( at the request of the XXXX XXXX fraud department ), and all three credit reporting services. They asked me some questions after which I was told that the credit card charge would be reversed. On XX/XX/XXXX I received a " Final Notice '' from Klarna stating I had to pay my account by XX/XX/XXXX ( already passed ) or it would be sent to collections. I called Klarna and they said they couldn't do anything about it. I stated that I believed they were in violation of the Fair Debt Collection Practices Act. I called Klarna back on XX/XX/XXXX and asked to speak with a supervisor and was told I would get a call back in 24 hours. I did not so I called again and was told it would take several days as they had lost my file. I do not ( nor have ever had ) an account number with this company. Ref # on attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
on XXXX the XXXX I disputed a Medical collection for XXXX XXXX, on XX/XX/XXXX this Collection Agency responded with this, and i quote, " Please be aware that all requirements of the FCRA and FDCPA has been fully complied with and verified with counsel. Verification and validation requirements have been met. We have a XXXX XXXX XXXX contract and all XXXX requirements have been adhered to. The complaint received appears to be an internet form letter furnished by a credit repair company. 
Attachments Validation and Verification.pdf ( XXXX MB ). Not even a good XXXX and they said they did a thorough investigation. Equifax agreed with them just saying what this agency is saying, not even doing a thorough investigation themselves. They just said it was verified. I haven't received any evidence, the method of verification, the description of the procedure they used, all of the documentation that they have retrieved from their investigation that proves this debt is reporting accurately, and I am asking that they provide it to me within 15 days of XX/XX/year> or delete this collection from my credit report. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). XXXX XXXX XXXX  has already deleted this account from my credit report, Equifax is the only one who hasn't followed suit. Equifax is being sued and are trying to settle with the CFPB for inaccurate or ( sham ) credit investigations already. if this is not removed from my Equifax report within 15 days. Litigation will follow. My rights and my privacy has been abused and violated according to the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I am a victim of identity theft and I have NEVER opened or used the following account numbers : Bank Name : XXXX  XXXX XXXXXXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX  XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : ( ACH Linked ) Returned ACHs ( ~ {$77.00} ) XXXX XXXX XXXX : ( ACH Linked ) Returned big transaction ( ~ {$2700.00} ) I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
I recently reviewed a copy of my credit report And noticed fraudulent activity That is affecting my credit score negatively.

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 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
on XX/XX/year> the irs sent my income tax refund in the amount of {$1100.00} to the routing number ( XXXX ) and account number ( XXXX ) provided to me by PayPal. PayPal uses a bank called XXXXXXXX XXXX i have confirmed with XXXXXXXX XXXX  that they have received the funds and sent them to PayPal. PayPal says that they have no record of receiving the funds, even though they've mentioned an ach tagline of IRS TREAS XXXX XXXX XXXX XXXX. i have been going back and forth with PayPal for three weeks trying to get my funds but they keep telling me they do not exist. they haven't even responded to my last message, which i sent a week ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
On XX/XX/XXXX of 2025 I recieved a letter from Midland credits legal representation, after I responded to the lawsuit and made very clear I had been the victim of identity theft. The lawyer XXXX XXXX said he was going to use invoices in court and sent a few examples he wanted mre to see. I responded to this by filing a motion to dismiss and attached the police report and FTC identity theft report, as i had done before and this time the lawsuit was dropped. Midland funding has made no effort to take this off of my credit report so i have hired an attourney to file suit. I think the aggressive and unscrupulous tactics should be called out and a penalty should be given for lying even after they knew it was identity theft and for quite a long time. Midland credit has re-aged this debt that does not belong to me almost monthly and made it impossible to purchace a car or a home. Please help me to get these people to leave me alone and take this false information off of my credit report. I have pulled my credit report many times over the time since they bought this account from whomever and have all of the documentation needed to prove my allegations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It is obvious I was a victim of identity fraud and someone has been using my identity to obtain accounts. I have reported to the proper authorities as well as Equifax. However, the accounts still remain on my credit report as of XX/XX/year>. I have sent by certified mail a copy of a filed police report, a report from the FTC as well as a letter to Equifax. However, nothing has been done. This is a violation of the FCRA Section 601b as well as bad faith by the reporting agency ( Equifax ). I am in receipt of the certified letters as well as attaching all documents at the CFPB. I have reported to Equifax addresses I have never lived at or been associated with as well. All accounts related to that address need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Transunion, Experian & Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal 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