vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Stellantis Financial Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Cease and Desist & Legal Notice Regarding Credit Reporting Account number : XXXX To Whom It May Concern, This letter serves as a formal notice that Stellantis Financial Services , Inc. must immediately cease and desist all communication with me regarding any alleged debt. This includes, but is not limited to, phone calls, letters, emails, or any other form of direct or indirect contact.

Furthermore, reporting any information related to this alleged debt to any credit reporting agency is considered a form of communication. I demand that Stellantis Financial Services immediately cease and desist from such reporting.

I have studied federal and state laws governing credit reporting, specifically 50 U.S.C. 1681s-2 ( a ) and 1681i, which outline the responsibilities of furnishers of credit information and consumer rights to dispute inaccurate information. Any failure to comply with these legal obligations will be considered a violation of my rights, and I will take all necessary legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies, as well as seeking legal remedies in a court of law.

This notice serves as your final warning. Please provide written confirmation of your compliance with this demand. 

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2400.00} - XXXX XXXX XXXX XXXX {$29000.00} - XXXX XXXX XXXX  XXXX XXXX {$2900.00} - XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX {$10000.00} - XXXX XXXX XXXX XXXX {$2000.00} - 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2400.00} - XXXX XXXX XXXX XXXX {$29000.00} - XXXX XXXX XXXX  XXXX XXXX {$2900.00} - XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX {$10000.00} - XXXX XXXX XXXX XXXX {$2000.00} - 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX I received an email from XXXX XXXX for a purchase of XXXX. I was at home at the time and had not made an XXXX XXXX purchase. I called the XXXX XXXX store 4 minutes later ( XX/XX/XXXX XXXX ) to report the charge as fraudulent. The XXXX XXXX clerk informed me that the incorrect email is often used and not to worry about the receipt. Around XX/XX/XXXX, I received a XXXX XXXX XXXX XXXX  from Barclays, which I had not opened. The account had an opened on date of XX/XX/XXXX. I called the XXXX XXXX XXXX XXXX  help line to report the card as fraudulent and ask that they close the account. The representative said she would and they would get back to me to let me know of the results of the investigation. Around XX/XX/XXXX, I received a statement from Barclays for the XXXX XXXX XXXX XXXX XXXXndicating a XXXX past due amount. I called the XXXX XXXX XXXX XXXX help line again and was directed to call their fraud prevention group. I recached their Fraud Prevention Group on XX/XX/XXXX at approximately XXXX and was informed that their investigation determined the card was not fraudulent and they re-opened the account. I re-informed them the card was fraudulent, I never made that purchase at the XXXX XXXX, and they should close the account. They gave me the Case Number : XXXX. Since then, I have submitted a police report with the aforementioned information and have faxed ( at my own expense ) further evidence to the Barclays fraud department. They continue to state the account is legitimate because it was opened in store. I have informed them repeatedly I was not in the city where the card was opened and I have never visited that store. As of today ( XX/XX/XXXX ), more than 4 months since I reported this account, I still have not received notice that they will close the fraudulent account and my credit score is continuing to be harmed by their lack of action to correct this fraudulent 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
On XX/XX/XXXX, I received an initial notice from Columbia Debt Recovery stating that I owed {$1800.00}, along with instructions on how to dispute the debt. On XX/XX/XXXX, I formally submitted a dispute via email in accordance with their instructions and the Fair Debt Collection Practices Act ( FDCPA ), requesting full validation of the debt. I received an automated confirmation of receipt but never received a response or any documentation validating the debt. 

Instead, on XX/XX/XXXX, Columbia Debt Recovery reported a different amount $ XXXXto the credit bureaus without first validating the debt, in direct violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Additionally, despite numerous in-person visits, emails, phone calls, and mailed requests to XXXX XXXX, I was never provided valid documentation or explanation for the charges. My efforts to resolve the issue directly were ignored, and the account was sent to collections without proper communication or transparency. 

I have documented proof of my ongoing attempts to dispute these charges and evidence demonstrating that they are not valid. Based on the lack of validation from both the original creditor and the collection agency, I do not acknowledge this debt as legitimate and consider it to be the result of predatory and unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: MI

Complaint narrative:
I am writing to formally dispute inquiries that appear on my credit report. Upon reviewing my credit file, I have noticed that there are unauthorized credit inquiries on my TRANSUNION Credit Report. I believe these inquiries are fraudulent and were made without my knowledge or consent. 

As this inquiry was not initiated by me, I kindly request that you investigate this matter and remove the inquiry from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate report, and I do not wish to have fraudulent activities affecting my credit score. 

XX/XX/ on XX/XX/scrub>/2024 XX/XX/XXXX on XX/XX/year>2024 Please remove these fraudulent inquiries from my credit report and provide me with written confirmation once the issue has been resolved.

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 2025-03-30 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: TX

Complaint narrative:
Have charge off on my report when the companies sued me and settled for all or most of there money but are saying they charged off total amount which they didnt I challenged this numerous times and they come back verified but cant be if information has not changed also showing late when account is settled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
" Affirm Inc. is reporting two accounts ( XXXX with {$65.00} past due and XXXX with {$370.00} past due ) as charged off. Both accounts were closed in early 2024. 
I dispute the validity of these charge-offs for the following reasons : Affirm Inc. failed to issue me 1099-C Cancellation of Debt forms for these alleged charge-offs, which is required by the IRS when a creditor discharges a debt of {$600.00} or more ( the combined total exceeds {$600.00} ). This indicates the debts were either not actually charged off, or Affirm violated IRS regulations.

Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. Affirm 's failure to provide these mandatory tax forms demonstrates non-compliance with federal tax laws. 
Affirm has improperly reported these accounts inconsistently across credit bureaus ( only appearing on XXXX ), which violates the FCRA 's requirement for complete and accurate reporting. 
Under the Doctrine of Accord and Satisfaction, if Affirm has claimed a tax benefit by writing off these debts, they can not simultaneously claim I still owe them or damage my credit by reporting them negatively. 

I previously disputed these accounts, and the creditor failed to conduct a reasonable investigation as required by the FCRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification.

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 2025-03-30 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 this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-30 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: LA

Complaint narrative:
ORMAL CONSUMER REPORT DISPUTE NOTICE OF DISPUTE UNDER FCRA 611 XXXX XXXX XXXX XXXX LA XXXX Date : XX/XX/XXXX, XXXX Security Number : XXXX of Birth : XX/XX/XXXX TO : XXXX XXXX XXXX : XXXX Disclosure XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate Consumer Report Information To Whom It May Concern : I am writing to dispute several accounts and incorrect personal information appearing on my consumer report maintained by XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. 
DISPUTED ACCOUNTS I dispute the following accounts and request their immediate removal from my credit report : XXXX. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GROUNDS FOR DISPUTE I firmly assert that the above-listed accounts are absolutely not valid for the following reasons : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide written validation notice within five days of initial contact. I have not received such notification from any of these companies.

2. I do not recognize these accounts as mine and categorically DO NOT validate these debts. This may be a case of identity theft as documented in the enclosed police report. 
XXXX. Multiple unauthorized addresses appearing on my consumer report further support potential fraudulent activity related to my identity. 
INCORRECT PERSONAL INFORMATION I also dispute the following addresses that are incorrectly associated with my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : PREFERRED LEASE Balance {$0.00} OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( s ) in question are as follows : [ XXXX XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts. 

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation