vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be a result of a data breach, fraud, or unauthorized actions, and I request that they be thoroughly investigated. Additionally, I demand verifiable proof of any such inquiries, including documentation bearing my signature or electronic signature. 

Please note that I am sending this letter on my behalf, not through a third party. I ask that you review it carefully. I never authorized the actions in question, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( Block of information resulting from a data breach or fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ].

I have already contacted the relevant companies and found that these actions were initiated without any valid proof or proper compliance. These accounts and inquiries are inaccurate and unauthorized, which leads me to believe they are the result of a data breach or the improper reporting of my information by creditors or a third-party data furnisher. 

I expect these fraudulent entries to be removed from my credit report immediately, in accordance with the FCRA. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AZ

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 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 2025-01-12 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:
HAVE NOT SUPPLIED PROOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRESUMED THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I signed up for the Experian app to monitor my credit. When it came time to renew my plan I decided I no longer wanted to use their services when I went to cancel it will not generate the option for me to cancel its stuck on the payment screen demanding payment when I no longer want to pay for my services I just want to cancel and I shouldnt have to call to have this done. Just as easy as it is to sign up it should be just as easy to cancel yet its not & I feel like that a predatory tactic to continue taking folks money.

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 2025-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have had XXXX hard inquiries on my credit report that I did not authorize. One by Capital Bank on XX/XX/XXXX and another by XXXX XXXX  on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a dispute to EQIFAX, XXXX, and XXXX about a company named XXXX XXXX XXXX that was reporting on my credit account. I have no knowledge of this account. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want this deleted from my credit profile and never return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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 am writing to you as a desperate plea for help regarding an ongoing issue of identity theft that has plagued my life for nearly a decade. Since as far back as XXXX, I have been a victim of individuals unlawfully using my identity and credit, resulting in fraudulent accounts and financial obligations being attributed to my name. 

Over the years, I have made every effort to address this devastating issue. Most recently, I reported the fraudulent accounts to all three major credit bureausEquifax, Experian, and XXXX directly to the original creditors involved. Despite my diligence and providing all necessary evidence, only XXXX accounts have been successfully removed from my credit file. The remaining fraudulent accounts continue to tarnish my credit, inflict financial hardship, and cause me profound emotional distress. 

This situation has severely impacted every aspect of my life. I struggle to obtain even basic necessities like housing and transportation due to poor credit. The constant battle to prove my innocence and reclaim my identity has taken an enormous toll on my mental health, leaving me overwhelmed and hopeless. I feel trapped in a nightmare I can not escape, no matter how much effort I put into resolving it. 

I am pleading with you to take immediate action to investigate and resolve this matter. I need these fraudulent accounts removed from my credit report and assurances that my identity will be protected moving forward. I have attached copies of all relevant documentation, including police reports, correspondence with creditors, and any evidence supporting my claims. 

Please understand that I am at my wit 's end. I can not endure this struggle alone any longer. I beg you to treat this matter with the utmost urgency and help me reclaim my life and peace of mind. 

Thank you for your time and attention to this critical issue. I hope to hear back from you soon. 

ACCOUNTS BEING DISPUTED : XXXX XXXX XXXX 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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXXXXXX account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXXXXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-12 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: CA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be a result of a data breach, fraud, or unauthorized actions, and I request that they be thoroughly investigated. Additionally, I demand verifiable proof of any such inquiries, including documentation bearing my signature or electronic signature.

Please note that I am sending this letter on my behalf, not through a third party. I ask that you review it carefully. I never authorized the actions in question, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( Block of information resulting from a data breach or fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ].

I have already contacted the relevant companies and found that these actions were initiated without any valid proof or proper compliance. These accounts and inquiries are inaccurate and unauthorized, which leads me to believe they are the result of a data breach or the improper reporting of my information by creditors or a third-party data furnisher. 

I expect these fraudulent entries to be removed from my credit report immediately, in accordance with the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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 dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be a result of a data breach, fraud, or unauthorized actions, and I request that they be thoroughly investigated. Additionally, I demand verifiable proof of any such inquiries, including documentation bearing my signature or electronic signature. 
Please note that I am sending this letter on my behalf, not through a third party. I ask that you review it carefully. I never authorized the actions in question, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( Block of information resulting from a data breach or fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ].

I have already contacted the relevant companies and found that these actions were initiated without any valid proof or proper compliance. These accounts and inquiries are inaccurate and unauthorized, which leads me to believe they are the result of a data breach or the improper reporting of my information by creditors or a third-party data furnisher. 

I expect these fraudulent entries to be removed from my credit report immediately, in accordance with the FCRA. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
Kimball spammed me with mail to inappropriate addresses telling me I had 30 days to respond to a debt. I responded. They reported the debt to my credit bureau and continue to harass me. I told them I didnt owe it and I needed proof. They have not provided proof just XXXX papers that anyone could forge. When asked about originals and more proof, they send generic letters over and over again stating the same thing : I have 30 days to respond. I respond to all the letters and tell them they need proof otherwise stop harassing me. Yet they continue and continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
THE METHOD OF VERIFICATION TO YOUR COMPANY, THIS LETTER MAKES IT CLEAR THAT I AM NOT DISPUTING ANY ACCOUNTS. 

THIS IS NOT A REINVESTIGATION OF THE ITEMS I DISPUTED IN MY PREVIOUS DISPUTE. DO NOT OPEN A REINVESTIGATION. I REPEAT, DO NOT OPEN A REINVESTIGATION ) ( I DO NOT AUTHORIZE NOR DO I WANT ANOTHER REINVESTIGATION ) ( I REFUSE ANOTHER REINVESTIGATION ) ( THIS IS NOT ANOTHER DISPUTE. I DO NOT WANT ANOTHER DISPUTE ) ( I NEED THE METHOD OF VERIFICATION/DESCRIPTION OF REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT LISTED THAT YOU SAID WERE UPDATED AND VERIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I AM ALSO SEEKING FOR DAMAGES {$5000.00} FOR VIOLATING THE FCRA FOR NOT GIVING ME THE METHOD OF VERIFICATION.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Cease Reporting Charged-Off Account Dear Discover Bank I hope this letter finds you well. I am writing to formally request that you cease reporting on my credit report regarding account number XXXX and XXXX which has been charged off. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

According to the FCRA, I believe that reporting this charged-off account may not be in compliance with the regulations that govern accurate credit reporting. Specifically, I am referencing Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) which permits consumers to dispute inaccuracies on their credit reports.

As the account has already been charged off, continuing to report this account may unfairly affect my credit score and financial opportunities. I kindly ask that you take the necessary steps to remove this account from my credit report.

I would appreciate written confirmation of your receipt of this request and any actions taken in response. Please send your response to my address listed above.

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed a CD after a 12 month maturity, choosing their option of having it automatically transferred to an existing savings account at the same institution. After maturity, the CD was closed but the money never showed up in the savings account as requested. I called, they said they can see that it transferred to that account, but don't know why it didn't show up. They said they would have to open a case and I'd have to call back after a few business days. So far there's been no progress, and my {$11000.00} is still missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: HI

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 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 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports, as the information reported is inaccurate, unverifiable, and in violation of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX High Balance : {$2400.00} Credit Bureaus Reporting : TransUnion XXXX XXXX, and XXXX Issues and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as open with TransUnion but as closed with XXXX and XXXX. This inconsistency violates the requirement under FCRA Section 1681e ( b ) for credit reporting agencies to ensure maximum possible accuracy.

2. Lack of Verification by the Furnisher The remarks indicate the account has been disputed ( " Account information disputed by consumer, meets FCRA requirements '' ), yet no evidence has been provided to verify the validity of the debt as required under FCRA Section 1681s-2 ( b ) and FDCPA Section 809 ( b ). 

XXXX. Reporting of Derogatory Information Without Validation The original creditor is listed as " XXXX, '' but no documentation has been provided to establish the legitimacy of this collection account. Without proper validation, reporting this account is a violation of FDCPA Section 809 ( b ) and FCRA Section 1681i ( a ) ( 1 ).

4. Inconsistent Dates The Date of Last Activity varies between bureaus : TransUnion : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> This inconsistency casts doubt on the accuracy and reliability of the information, violating FCRA Section 1681e ( b ).

5. Unverifiable Past Due Amount None of the credit bureaus provide details of a past-due amount or payment history, making the account unverifiable and in violation of FCRA Section 1681i ( a ) ( 5 ) ( A ).

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 2025-01-12 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
My information was breached and solicited by the LockHart Morris and Montgomery on XX/XX/XXXX for {$940.00}, XXXX XXXX XXXX on XX/XX/XXXX for {$140.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX for {$2900.00}. No action has been taken to remove these payments from my credit report, nor was I contacted or received any documentation by either company, why this is reflecting on my credit report. 15 US code 645 states that this is false information and needs to be removed immediately from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation