vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. XXXX XXXX, XXXX ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-25 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: EQUIFAX, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XX/XX/XXXX : I received the first letter via mail from Midland Credit Management with a Pre-Legal Notice for Non-Payment of Debt for {$15000.00}. 

XX/XX/XXXX : I sent a letter certified mail requesting the original purchase agreement that shows I am the legal owner of the alleged debt along with all terms and conditions included within the purchase agreement. 

XX/XX/XXXX : MCM sent another letter with payment information, account summary, transaction summary from XX/XX/XXXX XX/XX/XXXX, interest charge calculation and a letter stating MCM now owns the account. 

XX/XX/XXXX : I sent follow-up request for debt validation requesting the following : 1. A copy of the original signed contract or agreement with the original creditor, showing my obligation to this debt. 
2. A full accounting of the debt, including a breakdown of the principal, interest, fees, and any payments made. 
3. Proof that your agency has legal authority to collect this debt, such as documentation of the assignment or sale of the debt from the original creditor. 
4. Verification of the statute of limitations, proving that the debt is still legally enforceable in my state. 
5. To cease all collection efforts, including phone calls and letters until validation is provided. 

XX/XX/XXXX : I received another Pre-Legal Notification from MCM with the same information within the correspondence from XX/XX/XXXX but now stating that failure to arrange repayment that they plan on engaging an attorney for review. They included payment information, account summary, transaction summary from XX/XX/XXXX XX/XX/XXXX and interest charge calculation. 

XX/XX/XXXX : MCM sent the same information on their correspondence from XX/XX/XXXX with a payment information, account summary, transaction summary from XX/XX/XXXX XX/XX/XXXX and interest charge calculation. 

Not only did they violate my cease and desist, but they also did not provide me anything I requested in my first and second debt validation letters that I sent certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I keep receiving mail from an unauthorized user, XXXX XXXX, credit cards applications. I've asked my local post office but, they did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-25 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: AR

Complaint narrative:
I have disputed this account ( XXXX XXXX ) multiple times due to my ex husband was responsible to pay the debt per our divorce decree. NOW XXXX HAS REMOVED FOR MY REPORT ON THERE END AS IN THE ATTACHMENTS

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 2025-03-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
on XX/XX/year> I filed a report about incorrect employment on my credit report the COMPLAINT ID # is as follows XXXX I just recently got a letter in my name ( XXXX XXXX XXXX ) stating : ( you recently contacted us because you may have been a victim of fraud or identity theft. We have included a copy of the Remedying the effects of XXXXXXXX theft prepared by the consumer financial protection bureau CFPB that contains information that may be helpful to you. the issues I filed a complaint about has not been addressed. Then they sent me another letter addressed to another person by the name of XXXX XXXX which is not my name stating : ( thank you for contacting Equifax indicating fraudulent items on your credit report. we are here to assist you. 
We were unable to locate a credit file in our data base with the identification information you provided. in order to further assist you, we will need additional documents to verify your information. please provide your complete Name, Current and Former Addresses, social security number and date of birth. we ask that you please send us a copy of two different items- one from the two categories listed below. one item will verify your address and the other your identity. I did not respond to the letter addressed to XXXX XXXX because that's not my name My name is XXXX XXXX XXXX they clearly have my information mixed up with someone else and they are not doing anything about it Im not XXXX XXXX so I don't know why they send letters addressed to that person to my hose they send me letter addressed to me XXXX XXXX and they also send letters addressed to XXXX XXXX I simply asked for an incorrect employment that was reporting on my credit report to be removed that has not been addressed now im getting letters addressed to me and another persons name please help me as my fist complaint has not produced any results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been asking Experian to correct a mistake as of XX/XX/year>. I requested that the bureaus correct my balances on my account to reflex correct balance and as of XX/XX/year>, Experian removed my XXXX XXXX card with a line of credit XXXX. I clarifying their mistake, I have provided proof in two occasions and and what they come back with is to hire a financial advisor to correct situation. that is a cost to me and I refuse to pay hundreds to correct their mistake. I have 6 active accounts, with only one account with an outstanding balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the other bureaus, they list my six accounts. I recently filed my fist complaint, and all they did was update address. FRAUD, FRAUD

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 2025-03-25 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX Reported : XXXX XXXX, XXXX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX  Closed No Info I have no knowledge of signing any agreement with XXXX XXXX XXXX XXXX XXXX. Please removed from my credit profile permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX Reported : XXXX XXXX, XXXX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX  Closed No Info I have no knowledge of signing any agreement with XXXX XXXX XXXX XXXX XXXX. Please removed from my credit profile permanently.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> someone or multiple people made two fraudulent charges using my debit card. 

Both were for airline tickets, the first for XXXX XXXX for one passenger : XXXX XXXX from XXXX XXXX XXXX to XXXXXXXX XXXXxas for {$450.00}. 

And the second was XXXX XXXX for two passengers : XXXX XXXX and XXXX XXXX from XXXXXXXX XXXXXXXX to XXXXXXXX XXXX for {$220000.00} I immediately called the airlines the next day after learning of the fraud and told them I did not purchase the flights and to cancel them. Then I cancelled the debit card that was used. Once the charges were processed by Chime I reported the same to them ( their policy doesn't allow you to report fraudulent charges until they post to the account. ) Chime initially refunded the money while they reviewed my claim, then somehow decided that the charges were legitimate. 

I've contacted them 6-7 times since then, reopened the case, requested the documents they used to make their determination, supposedly received said documents, although I couldn't see any information that indicated that I made the charges or explanation as to why I would be trying to fly the same person to XXXX on two different airlines from XXXX or XXXX when I live in XXXX XXXX XXXX  . 

Additionally they drained my savings account to pay down some of the debt from these fraudulent charges without my permission or even telling me they were going to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I hope this message finds you well. I am writing to formally dispute inquiries on my credit report that were opened without my knowledge or consent. These inquiries were the result of unauthorized and fraudulent use of my identity. I did not apply for or authorize these inquiries in any way. It was opened fraudulently, and I expect immediate action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
I am writing to dispute the inaccurate and derogatory information reported by TransUnion on my credit report concerning XXXX XXXX . 

According to Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove disputed inaccurate information within four business days when the information can not be verified. TransUnion has failed to fulfill this legal obligation, and the false entries remain on my report, causing significant harm to my creditworthiness and preventing me from purchasing a home. 

This continued negligence violates Sections 605 ( b ), 607 ( b ), and 611 of the FCRA, which guarantee my rights to accurate reporting and dispute resolution. I demand immediate removal of all unverified and incorrect information related to XXXX XXXX and request a corrected credit report within four business days. 

Failure to address this matter promptly will compel me to take legal action to ensure federal compliance and protect my rights. 

Attached are relevant documents to support my dispute. 

Thank you for addressing this matter urgently. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Debt Under 15 U.S.C. 1681 ( b ) Dear Sir/Madam, I am writing to formally request validation of the debt referenced by your records, as required by the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( b ). I am seeking clarification and verification of the debt related to my account, which is currently being reported as either in collections or marked as closed. 
Under the provisions of 15 U.S.C. 1681 ( b ), I am entitled to receive the following documentation and information : 1. Details of the original creditor : The name and contact information of the original creditor to whom the debt was originally owed. 
2. The full amount of the debt : A detailed statement of the amount owed, including any interest, fees, and other charges that have accrued since the original account was closed or placed into collections. 
3. Proof of ownership of the debt : A statement verifying that you are legally entitled to collect this debt and that it has not been transferred, sold, or otherwise assigned to another party. 
4. Account history : A complete history of the account, including the original account number, balance at the time it was closed, and a breakdown of any charges applied. 
5. Documentation confirming that this debt has not been settled or discharged : Proof that this debt has not been satisfied, written off, or discharged through bankruptcy or any other means. 
I request that you provide me with this information in writing within 30 days from the receipt of this letter, as required by the law. Please note that if you fail to validate this debt within the allotted time, you are required to remove it from my credit report in accordance with the Fair Credit Reporting Act. 
If this account was closed or discharged, kindly provide documentation supporting this status and the closure of the account. If this account is a part of any ongoing dispute, I request full details and documentation regarding that as well. 
Please be aware that I am aware of my rights under the Fair Credit Reporting Act, and I expect a timely response to my request. Any failure to comply with my request will be considered a violation of federal law, and I will take all necessary steps to protect my rights. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute an account on my credit report that was opened without my knowledge or consent. This account was the result of unauthorized and fraudulent use of my identity. I did not apply for or authorize this account in any way. It was opened fraudulently, and I expect immediate action to be taken.

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