vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
Validation of debt requested and 1099c Violates U.S.C. 1681 Company was unable to provide the information on charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have tried on numerous occasions to communicate with American Express regarding their fraudulent accounts. I have also filed a complaint with the Federal Trade Commission against them. I also spoke with American Express on XX/XX/year>, regarding an account that was t was opened on XX/XX/year>. It is stating that the account is current with an outstanding balance of XXXX. When I spoke with the credit bureaus, they stated that American Express said I agreed to make payments on the account. I never made such a statement, nor have I made any payments that would suggest that I have an agreement with them. When I spoke with American Express, I informed them that the account was opened at a time when I was in pXXXX  I was not XXXX until XX/XX/year>. 

American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included my original disputes with this company along with a copy of my XXXX XXXX XXXX. I respectfully request that this company be investigated for failing to honor my request that the account information be removed from my credit reports because it is fraudulent and damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: TN

Complaint narrative:
I am writing to file a complaint regarding an alleged debt that has been associated with my account at XXXX XXXX. I have reviewed my sXXXX XXXX which clearly shows a XXXX balance, and I have received correspondence from the XXXX XXXX XXXX XXXX confirming that I do not owe any money. Additionally, my credit report reflects an open account status from XXXX XXXX, showing that my XXXX XXXX XXXX However, this account is incorrectly being reported, as the alleged balance being reported by Key 2 Recovery is different from what is reflected by credit reporting agencies. 

I am requesting that the CFPB assist me in ensuring that this erroneous debt claim is removed from my records. Furthermore, I seek financial compensation as allowed by law due to the false reporting of this debt. I believe my consumer rights have been violated, and I would like for this issue to be resolved promptly, with all incorrect information removed from my credit report in accordance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a HYSA with Barclays online. I linked my XXXXXXXX XXXX account in order to fund the initial deposit of {$100.00}. Barclays sent 2 small deposits to my XXXX account which I then had to verify to confirm the account. I did this with 2 days. Barclays then withdrew the initial funding of {$100.00} from my XXXX bank account. 
When I attempted to login to my Barclays account after this I received this message : " Your account is currently restricted. Please contact customer care at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for assistance. '' I called Customer Service and was told I had to further verify my bank account by emailing a copy of my XXXXXXXX XXXX statement showing my name and account number. Though I was uncomfortable with emailing this data I did it anyway. A month later and my account was still restricted. I called back on XX/XX/XXXX to be told at first they could not find the documentation I emailed. Then eventually they located it but said the statement was not clear and I needed to email it again. I explained the statement was a PDF downloaded directly from the XXXX website. I could not possibly get a more clear document. I also stated I was not comfortable sending sensitive documents via unsecured email and I wanted a more secure method to upload the statement. I was told they had no other options. I asked for a supervisor and was told they did not have one. 
I finally asked them to return my {$100.00} and close the account. They refused to do so without verifying my bank account. At this point I simply want the {$100.00} they took from my XXXX account ( which they had no issue doing without this additional verification process ) and to close the 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 2025-03-04 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that XXXX XXXX close my account in XXXXXXXX XXXX XXXX  They refused to close my account, and they reported that my account was 30 days late. Upon realizing this, I called again in XXXX to request that the account be closed. I also requested this information in writing. They subsequently closed the account in 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
am writing to formally dispute the accuracy of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these accounts as I believe they are inaccurate and should be removed. 

The details of the disputed account are as follows : Name : XXXX XXXX XXXX XXXX Amount : {$1900.00} Date Opened : XXXX XXXX, XXXX Name : XXXX XXXX XXXX Amount : {$1300.00} Date Opened : XX/XX/XXXX I request that you verify the accuracy of this account with the collection agency and original creditor. If they can not provide proper validation, I request that this collection account be deleted from my credit report immediately. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate my claim and provide me with the results within 30 days. If the information can not be verified, it must be removed from my report. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit file. Reporting inaccurate information is a violation of this law. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are responsible for ensuring that the information they report is accurate and must correct or delete any inaccurate or unverifiable information. 

I have disputed these inaccuracies multiple times. They get removed form my report, then they get put back a few months later. I need these to be permanently removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
am writing to formally dispute the accuracy of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these accounts as I believe they are inaccurate and should be removed. 

The details of the disputed account are as follows : Name : XXXX XXXX XXXX XXXX Amount : {$1900.00} Date Opened : XXXX XXXX, XXXX Name : XXXX XXXX XXXX Amount : {$1300.00} Date Opened : XX/XX/XXXX I request that you verify the accuracy of this account with the collection agency and original creditor. If they can not provide proper validation, I request that this collection account be deleted from my credit report immediately. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate my claim and provide me with the results within 30 days. If the information can not be verified, it must be removed from my report. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit file. Reporting inaccurate information is a violation of this law. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are responsible for ensuring that the information they report is accurate and must correct or delete any inaccurate or unverifiable information. 

I have disputed these inaccuracies multiple times. They get removed form my report, then they get put back a few months later. I need these to be permanently removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I formally disputed with ( XXXX, Equifax, and Experian ) the furnishing of my personal credit information with their agencies. 

According to FCRA section 15 U.S. Code 1692c its illegal to report information on my credit report without permission. Please remove it from my credit report. At the current time ALL three agencies are reporting different information. XXXX is the only agency that properly addressed my claim. 

The dispute where first sent by certified mail in XXXX to all ( 3 ) agencies. Then after no action I then did the dispute electronically through each agencies direct website. Lastly I have called just for them to tell me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Companies Reporting the Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) [ Any other incorrect accounts ] Account Number ( s ) ( Last 4 Digits from Credit Report ) : [ List the last four digits of each incorrect account ] Balance ( XXXX ) & Status : XXXX XXXX : Incorrectly listed as a past-due or closed account XXXX XXXX XXXX {$2600.00} Incorrect account affecting credit usage XXXX XXXX  XXXX XXXX {$40000.00} Fraudulent high-balance account XXXX  XXXX : {$7000.00} Incorrect open collection account [ Other incorrectly reported accounts ] Complaint Details : I am disputing multiple accounts that have been incorrectly reported on my credit report. These accounts do not belong to me and appear to have been mistakenly linked to my credit file due to a name similarity issue with another individual. 

I have no contractual obligation to these debts, and I have never opened or authorized these accounts. Despite disputing with the credit bureaus, these errors have not been corrected, and they continue to harm my credit standing. 

Steps I Have Taken to Resolve This Issue : Disputed these accounts directly with Experian, Equifax, and TransUnion, requesting an investigation.

Contacted the companies reporting these accounts, but they have not provided sufficient verification or removed the accounts.

Provided identity verification documentation ( such as government ID and proof of address ) to demonstrate that I am not the individual responsible for these accounts.

These errors are causing severe harm to my credit profile, and I demand an immediate correction.

Legal Violations : These companies are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Failure to ensure accuracy in credit reporting ( FCRA, 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must have procedures to ensure that information is correctly attributed to the right consumer.

Failure to conduct a reasonable investigation upon dispute ( FCRA, 15 U.S.C. 1681i ) Once I disputed these accounts, they should have verified the information properly or deleted them.

Attempting to collect a debt from the wrong person ( FDCPA, 15 U.S.C. 1692e ) If a debt collector is attempting to collect these debts from me, they are violating laws against false or misleading representations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
Companies Reporting the Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) [ Any other incorrect accounts ] Account Number ( s ) ( Last 4 Digits from Credit Report ) : [ List the last four digits of each incorrect account ] Balance ( XXXX ) & Status : XXXX XXXX : Incorrectly listed as a past-due or closed account XXXX XXXX XXXX {$2600.00} Incorrect account affecting credit usage XXXX XXXX  XXXX XXXX {$40000.00} Fraudulent high-balance account XXXX  XXXX : {$7000.00} Incorrect open collection account [ Other incorrectly reported accounts ] Complaint Details : I am disputing multiple accounts that have been incorrectly reported on my credit report. These accounts do not belong to me and appear to have been mistakenly linked to my credit file due to a name similarity issue with another individual. 

I have no contractual obligation to these debts, and I have never opened or authorized these accounts. Despite disputing with the credit bureaus, these errors have not been corrected, and they continue to harm my credit standing. 

Steps I Have Taken to Resolve This Issue : Disputed these accounts directly with Experian, Equifax, and TransUnion, requesting an investigation.

Contacted the companies reporting these accounts, but they have not provided sufficient verification or removed the accounts.

Provided identity verification documentation ( such as government ID and proof of address ) to demonstrate that I am not the individual responsible for these accounts.

These errors are causing severe harm to my credit profile, and I demand an immediate correction.

Legal Violations : These companies are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Failure to ensure accuracy in credit reporting ( FCRA, 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must have procedures to ensure that information is correctly attributed to the right consumer.

Failure to conduct a reasonable investigation upon dispute ( FCRA, 15 U.S.C. 1681i ) Once I disputed these accounts, they should have verified the information properly or deleted them.

Attempting to collect a debt from the wrong person ( FDCPA, 15 U.S.C. 1692e ) If a debt collector is attempting to collect these debts from me, they are violating laws against false or misleading representations.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Subject : Identity Theft Dispute and Request for Investigation Dear Credit Reporting Agencies, I am writing to formally dispute information on my credit report and request an investigation due to identity theft. I have reason to believe that my personal information has been compromised, leading to fraudulent activity and potentially inaccurate entries on my credit report. 
Evidence of Identity Theft : I recently obtained a consumer report from XXXX XXXX XXXX, a consumer reporting agency, which revealed suspicious activity related to my bank accounts and personal information. Crucially, XXXX XXXX XXXX has already investigated these matters and determined that the accounts and transactions in question were not legitimate. As a result of their investigation and findings of identity theft, they have purged these fraudulent entries from their system. This report shows : * Multiple accounts opened and closed in my name without my knowledge or consent. This includes accounts at various banks, including XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. 
* Inaccurate personal information associated with some accounts. This includes incorrect addresses and phone numbers. 
* Suspicious transactions on my existing account. This includes ACH transactions on my XXXX XXXX account ending in XXXX that I did not authorize. 
Specific Concerns : * XXXX  XXXX # : XXXX, Account # : XXXX : Unauthorized ACH transactions on these dates : XX/XX/year>, XX/XX/year>. 
* Multiple closed accounts at XXXX XXXX  XXXX. and XXXX XXXX opened between XXXX and XX/XX/year>. I did not open these accounts. 
* Closed accounts at XXXX XXXX XXXX XXXX with inaccurate address information. 
Request for Investigation : I request that you conduct a thorough investigation into these discrepancies and take the following actions : * Verify the accuracy of all information on my credit report. 
* Remove any fraudulent accounts or inaccurate information, as XXXX XXXX XXXX has already determined them to be fraudulent. 
* Place a fraud alert on my credit file. 
* Provide me with a copy of my updated credit report after the investigation is complete. 
I have attached a copy of the XXXX XXXX XXXX report as supporting documentation. Please let me know if you require any further information. 
Sincerely, [ Your Signature ] [ Your Typed Name ] Enclosures : XXXX XXXX XXXX Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation