23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collections account with XXXX XXXX XXXX XXXX ( Mobile phone account originally with XXXX ) opened on XX/XX/2023. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Balance : {$190.00} ; XXXX XXXXXXXX XXXX Balance : {$910.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXXXXXX XXXX Balance : {$140.00}.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried unlocking my Security Freeze with Equifax on XX/XX/2020. The login feature on their website indicated that my password was incorrect. It asked me to call XXXX. I called the number and a woman asked me a series of questions about my credit history. She stated that I gave her incorrect information about my credit history ( all of the information was accurate ).

The stated the information was not showing as correct. I was able to lift my security freezes easily with XXXX  and XXXX. I'm in the process of trying to buy a home. 

I was hung up on twice by Equifax representatives trying to resolve the matter. My information has never changed and I've logged in more than 5 times over the past two years with no problems. 

Equifax either has bad data or technicians that aren't inputting information correctly to verify identities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit card

Back in XXXX I had a bad breakup with a woman. This person had taken my Apple ID, XXXX info and my card information for two other accounts as well as my Apple Card. I have gone round and round providing proof that the two other accounts that were used have provided me with a full refund for significantly less money than this card. I have had little to know response from my Apple Card only for them to tell me they have denied the claim with no response on why and no reason as two why the other companies have ruled in my favor yet this company will not. That are not in the interest in working for the customer but Instead for them selves to only get more money out of you and charge you interest in fraudulent charges. This company has terrible customer service. is extremely deceptive, misleading and not at all for the customer. I will be going on to file a complaint with the attorney general in New York. All of this of {$350.00} That I didnt even spend in the first place
Product: Credit reporting or other personal consumer reports

The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, XXXX & the employees thereof
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft as well as information over 8 years old is still showing on my report incorrect address incorrect name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I checked my credit score, and saw that a Target/TD Bank account had been opened in my name. My score took a gigantic hit. I did not open a Target bank account. I believe that my father opened an account in my name and used my information to commit fraud.
Product: Vehicle loan or lease

On XX/XX/XXXX, I opened a complaint to First Bank PR due to the fact that the bank was not reporting the correct date of first delinquency to both XXXX and XXXX credit bureaus. I provided with all the documentation to prove that the date being reported was incorrect and that this date was to be corrected when reporting this account to the credit bureaus. 

On XXXX, First Bank PR responded to this complaint and admitted that the date being reported to credit bureaus was incorrect and that they submitted a request to both XXXX and XXXX to have this date corrected. First Bank PR attached to the complaint the form used to report the corrected information ( see attached ). I have also attached to this complaint a copy of the previous complaint showing the bank 's response. The correct date that First Bank PR should report as " Date of First Delinquency '' is XXXX, as you can see in the original complaint. 

XXXX proceeded to update this date within 3 days of the bank 's response but XXXX never updated the information. 

On XXXX I called XXXX and explained the situation and provided them with the document that First Bank said they sent them. XXXX explained that they never received a request to update information in the account on or around XXXX XXXX XXXX  and that they could not update the date. Per their records, they still show the incorrect date of first delinquency. 

I request that First Bank PR contact XXXX and request them to update the date of first delinquency to the correct date, which is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information

, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six m
onths, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax multiple times regarding your failure to properly investigate a XXXX closed account that continues to be reported inaccurately on my credit report. On XX/XX/year>2025, I provided detailed reference to relevant USC codes and evidence indicating that Equifax disregarding the federal law in this matter. Additionally, I am aware that Equifax is not fully complying with federal laws governing consumer credit information. Despite my repeated communications, you have failed to properly re-investigate the XXXX account in question, which is currently reported as 30 days late. Your recent notification stated that the account has been verified as accurate, but no supporting documentation has been provided to confirm this claim. 

As this lack of compliance violates my rights under federal law, I am requesting that Equifax immediately remove this account from my credit report. Failure to do so will leave me no choice but to escalate this further.
Product: Credit card or prepaid card

Due to the COVID-19 pandemic, for the first time ever in this account, I accrued a 30 day late payment mark on my credit report. This was all set in motion by the immediate halt to my families income. In all the chaotic mess, I missed my payment in XX/XX/2020. Otherwise, I have never been late on this account before or since. I am making more than the monthly payment amount and the account is actually getting close to being paid off. This pandemic was an unforeseen hardship and it should be held as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )
Product: Debt collection

I was never told that this would not be covered under my insurance. They have people coming and going like cattle. I was referred here for information only. They took an enormous amount of blood and sent it to their own personal laboratories. They are cheating people by the tactics they are using. They should be investigated!!
Product: Debt collection

Company is XXXX. I have no open credit cards, ever. They are stating I owe a certain amount of debt when I have NO debt. Gentleman on the phone was very rude and had no concern of the do not call list. Harassing phone calls when I have stated MULTIPLE times to take me off any call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX and XXXX XXXX  XXXX. Please update and correct.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX at XXXX - XXXX XXXX XXXX XXXX XXXX account # XXXX has been sending me a collection notice for {$410.00}. I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX website has been down for days as well as the phone lines having a recording stating that they are unable to access accounts and to call back for days as well. They do not have an email that I can reply to which I get my statements from but can not reply. Since I can not make a payment, they are now reporting me as delinquent. 
There is absolutely no way to make payment online or over phone, I have called numerous times, and today the number states that company is closed and I called at all different times to cover all US time zones. I called XXXX as well as XXXX and recording states they are experiencing system issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX with a balance of {$13000.00} Inquiries : XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I do not approved any of those inquiries attached on my account kindly make a thorough investigation regarding these.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPAA VIOLATION I submitted a complaint of a HIPAA violation to the Credit Bureaus. The violation continues on behalf of XXXX XXXX XXXX ... ..account # XXXX.
Product: Credit reporting or other personal consumer reports

Re : Feedback on Equifaxs Response to Complaint Complaint ID : XXXX Dear CFPB, I am writing to provide feedback regarding Equifaxs recent response to my complaint submitted through the CFPB portal ( Complaint ID : XXXX ). While I appreciate the attention given to my concerns, I remain dissatisfied with the resolution and accuracy of the information provided. 

Key Issues with Equifaxs Investigation : Inaccurate Charge-Off History : Equifax has updated some fields, but the charge-off date inconsistency persists. My credit report shows charge-offs from XX/XX/XXXX through every month in XXXX and XXXX, while the creditors response states that the account was charged off in XX/XX/XXXX. This discrepancy remains unresolved. 

Incorrect First Delinquency Date : Equifax reported that delinquency began in XX/XX/XXXX, yet my payment history reflects charge-offs starting in XX/XX/XXXX, causing confusion and inconsistency. 

Negative Available Credit : The balance and available credit reported are still incorrect. My credit limit was {$200.00}, but the negative available credit of - {$230.00} is a miscalculation that affects my credit report negatively. 

Incomplete Payment History : Equifax updated some payment fields, but there are still discrepancies with actual and scheduled payments. Specifically, scheduled and actual payment amounts remain incomplete for the reported months. 

Lack of Thorough Investigation : Despite providing detailed documentation and supporting evidence, XXXX investigation did not result in a resolution that reflects the correct history and status of the account. 

Requested Action : I respectfully request that Equifax further investigate and correct all inaccuracies reported on my credit report. Additionally, I urge the CFPB to ensure that Equifax complies fully with the Fair Credit Reporting Act ( FCRA ) in providing accurate and verified information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report.

However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted.

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX