vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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 am writing to file a formal and urgent complaint against Experian for their grossly negligent reporting practices and failure to properly investigate and correct inaccuracies in my credit report, which have been caused by their recent data breach. I am a victim of the Experian data breach, and as a result, my personal information has been compromised and used fraudulently.

Experian is reporting several addresses in my consumer credit report where I have never lived and can not receive any mail. These fraudulent entries, which include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Apartment complex ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Apartment complex ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Multifamily ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Single family ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( Single family ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Single family ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( No resident type ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Multifamily ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Apartment complex ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Address I have never resided at )

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 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report regarding the following account : Creditor : First Premier Bank Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but " CO '' continues to be reported every month through XXXX, which is inaccurate. A charge-off should not be repeatedly reported each month after the initial charge-off date. 

Incorrect balance reporting : The charge-off amount was {$900.00} yet the report still lists a {$900.00} past-due balance. If the account was charged off and sold to a collection agency, the original creditor should no longer report a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report regarding the following account : Creditor : First Premier Bank Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but " CO '' continues to be reported every month through XXXX, which is inaccurate. A charge-off should not be repeatedly reported each month after the initial charge-off date. 

Incorrect balance reporting : The charge-off amount was {$900.00} yet the report still lists a {$900.00} past-due balance. If the account was charged off and sold to a collection agency, the original creditor should no longer report a 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Violation of the Card Holder Agreement Acct : XXXX Dear American Express, Greetings, I have recently viewed my credit report and I n

oticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 3. Monetary compensation in the amount of {$1000.00}. While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to formally update a bankruptcy XXXX  XXXX entry on my credit report that was filed under my Social Security Number XXXX. I have recently obtained a copy of my credit report, and I was surprised to find this entry under my name.

According to Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), if a credit reporting agency can not validate the information they have on file, they are required to remove such information from the consumers credit report. The United States Bankruptcy Courts do not report bankruptcy filings directly to credit bureaus. It is important to note that federal law protects the privacy of most personally identifiable information related to bankruptcy proceedings. Although the Bankruptcy Court is a public record, it does not verify or directly provide this information to credit bureaus.

Credit bureaus, instead, gather this information from third-party research sources. Given that your agency has obtained this information through such channels, I formally request that you validate this entry. Please provide me with copies of any and all documentation regarding this bankruptcy that
associates my name and/or signature with the reported filing.XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/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 2025-02-04 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt Request for Validation Dear Credit Collection Services, I am writing to formally dispute the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including the following : 1. Verification that I am legally responsible for this debt.

2. A detailed account statement showing how the amount was calculated.

3. A copy of the original contract or agreement with my signature.

4. Proof that your agency has the legal right to collect this debt.

5. The name and contact information of the original creditor.

Until this information is provided, I request that you cease all collection efforts, including reporting this debt to any credit bureaus. If this debt is found to be inaccurate or unverified, I expect it to be removed from my credit report immediately.

Additionally, if you attempt to report this debt without proper validation, it will be considered a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). In that case, I will consider pursuing further legal action.

Please provide all requested documentation in writing to the address listed above within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates , LLC. 

Subject : Formal Dispute of Alleged Debt Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the account ending in XXXX that you claim was purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting complete validation of this debt, including all documentation that substantiates your claim. 

1. Debt Validation Request Per 15 U.S.C. 1692g ( b ), I request that you provide the following : A copy of the original signed credit agreement or contract between myself and XXXX XXXX proving my liability for this debt. 
A detailed payment history showing how the balance of {$690.00} was calculated, including all transactions, interest, fees, and penalties. 
Proof of ownership of this debt, including a bill of sale or assignment agreement between XXXX XXXX and Portfolio Recovery Associates , LLC. 
Any and all documentation that confirms this debt is within the statute of limitations for collection in my state. 

2. Cease Reporting to Credit Bureaus Until Debt is Validated If you can not provide adequate validation of this debt, I demand that you immediately : Cease all collection efforts and remove any reporting of this account from my credit reports per 15 U.S.C. 1681s-2 ( b ).

Provide written confirmation that you will no longer pursue this alleged debt.

3. Possible Violations and Legal Recourse Your response states that no contract is required to validate the account ; however, under federal law, a debt buyer must still provide proper validation when requested. If you fail to comply, I may pursue legal action for violations of the FDCPA and FCRA, including damages for : Furnishing inaccurate information to the credit bureaus without proper verification. 
Failure to provide adequate debt validation as required by law. 
Attempting to collect an unverified debt, which constitutes deceptive and unfair collection practices. 

4. Cease and Desist Communication Unless you provide full debt validation, I request that you cease all further communication with me regarding this matter, except to notify me in writing of your compliance with my requests. Any further attempts to collect an unverified debt will be documented and may result in legal action.

Please respond to this dispute in writing within 30 days of receipt of this letter. If you fail to provide the requested validation, I will assume this debt is invalid and demand its removal from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
XXXX XXXX account number XXXX. I see that this account is CLOSED and has charge-off status and yet you are reporting a past due balance. Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that CORRECT, FAIR and COMPLETE reporting is given, as required by the FCRA Laws. I do not believe the status of this account is ACCURATE.

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 2025-02-04 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: CA

Complaint narrative:
Subject : **Immediate Deletion Demand for Inaccurate Information on Credit Report** To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account referenced below. This account has been previously disputed, yet you have failed to correct the inaccuracies. I now demand the **immediate deletion** of this account from my credit report due to multiple glaring inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and infringe upon my consumer rights. 

**Account Information : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , Experian, Equifax **Inconsistencies Noted : ** 1. **Account Status Discrepancy** : The account is reported as a " Collection Account '' across different agencies, but the status dates and last reported dates are inconsistent. For example, TransUnion lists the last reported date as XX/XX/year>, while Experian shows it as XX/XX/year>. This blatant discrepancy violates 607 ( b ) of the FCRA, which mandates maximum accuracy in reporting.

2. **Monthly Payment Inconsistency** : The monthly payment amounts reported are not uniform across agencies. TransUnion states a payment of {$130.00}, while Experian and Equifax report different amounts. This misrepresentation of my financial obligations is unacceptable and violates 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. **Payment History Confusion** : The two-year payment history shows conflicting entries, with inconsistent " OK '' and " CO '' statuses. This misrepresentation of my payment behavior directly undermines my creditworthiness and is a clear violation of the FCRA 's accuracy requirements.

4. **Account Type Misrepresentation** : The account type is labeled differently across agencies ( e.g., Installment vs. Collection ), causing further confusion and undermining the integrity of my credit profile. This violates 609 ( e ) of the FCRA regarding accurate reporting.

Your continued failure to correct these inaccuracies after my previous dispute is unacceptable and has significantly harmed my credit report, resulting in potential denials of credit and increased interest rates. Given the severity of these discrepancies, I demand the **immediate removal** of this account from my credit report. If you can not provide accurate verification, you are legally obligated to delete it as stipulated by the FCRA.

I expect a prompt and thorough investigation and resolution to this matter. Failure to comply with my request will lead to further action on my part, including contacting regulatory authorities.

Thank you for your immediate attention to this serious issue..

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY {$920.00} Original creditor PORTFOLIO RECOVERY Opened XX/XX/year> ( XXXX yrs, XXXX mos ) Upon my request for debt verification, I was presented with copies of credit statements that listed an address where I had never lived. Concerned about this glaring discrepancy, I promptly contacted Portfolio Recovery to emphasize that these documents did not constitute valid proof of the alleged debt. Rather than addressing my concerns with the necessary evidence, they re-aged the account, now reporting to the credit bureaus that the account was opened in XX/XX/year>, with Portfolio Recovery marked as the original creditor. 

I contacted Portfolio Recovery again to assert that these documents failed to provide adequate proof of the alleged debt. Furthermore, I took the proactive step of reaching out to the credit bureaus to dispute the inaccurate reporting, seeking to rectify this unsettling situation that has cast a shadow over my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am filing a complaint against Equifax, TransUnion, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion, and Experian consistently responds within 24hrs stating the account is " accurate '', but refuses to provide any type of requested evidence of a thorough investigation. 

According to consumer rights, this violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

Furthermore, Equifax, TransUnion, and Experian 's actions may also contravene the Consumer Financial Protection Act (

CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX  ) against them for similar violations.

I STRONGLY request that the CFPB take IMMEDIATE action to ensure Equifax, TransUnion, and Experian complies with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : 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 non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am filing a complaint against Equifax, TransUnion, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion, and Experian consistently responds within 24hrs stating the account is " accurate '', but refuses to provide any type of requested evidence of a thorough investigation. 

According to consumer rights, this violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

Furthermore, Equifax, TransUnion, and Experian 's actions may also contravene the Consumer Financial Protection Act (

CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX  ) against them for similar violations.

I STRONGLY request that the CFPB take IMMEDIATE action to ensure Equifax, TransUnion, and Experian complies with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : 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 2025-02-04 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: NJ

Complaint narrative:
I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated 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 non-monetary relief