vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain XXXX 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as accurate.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX - XX/XX/2025 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-03-03 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: FL

Complaint narrative:
Subject : Formal Dispute of Accounts Request for Deletion Dear Dispute Department, I am writing to formally dispute the accuracy of the following accounts listed on my credit report. The information associated with these accounts is incomplete and/or fraudulent and is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681m ( a ). As a consumer, I am exercising my rights under the FCRA and Consumer Financial Protection Bureau ( CFPB ) consumer rights to request immediate removal of these accounts from my credit file. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these accounts be deleted and permanently removed from my credit report as they contain inaccurate and/or fraudulent information. Under the FCRA, inaccurate or unverifiable accounts must be removed from my credit report within 30 days of this dispute notice, unless you can provide verifiable proof that these accounts are valid, accurate, and authorized by me. 
If you are unable to verify the accuracy of these accounts, I demand their immediate removal and an updated credit report reflecting these corrections. Please provide written confirmation of the actions taken regarding this dispute. 
I have attached a copy of my identification and a recent utility bill/bank statement as proof of identity. 
Thank you for your prompt attention to this matter. I expect a response within the legally mandated timeframe. 
Sincerely, XXXX XXXX

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

Complaint narrative:
Subject : Formal Dispute of Accounts Request for Deletion Dear Dispute Department, I am writing to formally dispute the accuracy of the following accounts listed on my credit report. The information associated with these accounts is incomplete and/or fraudulent and is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681m ( a ). As a consumer, I am exercising my rights under the FCRA and Consumer Financial Protection Bureau ( CFPB ) consumer rights to request immediate removal of these accounts from my credit file. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these accounts be deleted and permanently removed from my credit report as they contain inaccurate and/or fraudulent information. Under the FCRA, inaccurate or unverifiable accounts must be removed from my credit report within 30 days of this dispute notice, unless you can provide verifiable proof that these accounts are valid, accurate, and authorized by me. 
If you are unable to verify the accuracy of these accounts, I demand their immediate removal and an updated credit report reflecting these corrections. Please provide written confirmation of the actions taken regarding this dispute. 
I have attached a copy of my identification and a recent utility bill/bank statement as proof of identity. 
Thank you for your prompt attention to this matter. I expect a response within the legally mandated timeframe. 
Sincerely, XXXX XXXX

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

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

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 2025-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
Basically my ex-girlfriend XXXX XXXX at the time use my Social Security number and my name to open up these accounts XXXX of them. I had no knowledge when we broke up. I decided to check in my financial situation and had XXXX collections XXXX is remaining XXXX of them. They removed already. Dont know why theyre not removing the other XXXX I did not open up these accounts at all XXXX XXXX XXXX XXXX for {$500.00} opened up XX/XX/year> / LVNV funding LLC opened up XX/XX/year> {$1000.00} / LVNV funding LLC XXXX XXXX XX/XX/year> {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-03 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: NC

Complaint narrative:
Equifax XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( GS BANK ) 3. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX  XXXX : Balance : {$360.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX : Balance : {$650.00} | Date Fraud Begun : XX/XX/XXXX XXXX  XXXX : Balance : {$3100.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX  : Balance : {$1100.00} | Date Fraud Begun : XXXX. XXXX, XXXX XXXX XXXX XXXX : Balance : {$1000.00} | Opened : XX/XX/XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Do to the recent data breach of XXXX XXXX XXXX 15usc 1681 my information has been greatly compromised, and is affecting me as I try to seek credit. 
I would like for all information that affects me negativity to be removed from these credit companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I receive Social Security once a month it went from {$1200.00} to {$1100.00} XXXX hit hardship and now Im two months behind in my carpayment. Just want to see if they can lower my monthly payments from {$460.00} to {$360.00} a Month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had paid this debt in full there should be no balance In applying for mortgage, it's data is reported that I'm XXXX days past due. 

Previously, I had setup a special deferment agreed on after my last payment during pandemic. 

My family is relying on my ability to provide stable, affordable housing Now, I am unable to do that, because of this reporting data My credit is crashed because of this malinformation

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I had paid this debt in full there should be no balance In applying for mortgage, it's data is reported that I'm XXXX days past due. 

Previously, I had setup a special deferment agreed on after my last payment during pandemic. 

My family is relying on my ability to provide stable, affordable housing Now, I am unable to do that, because of this reporting data My credit is crashed because of this malinformation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Dear NCB Management Services , INC, I am writing to follow up on my previous correspondence regarding the debt referenced by your company, which I disputed and requested validation for. To date, I have not received any response that satisfies the requirements outlined under the Fair Debt Collection Practices Act ( FDCPA ). 
As outlined in my initial letter, 15 U.S.C. XXXXg ( a ) requires that a debt collector must provide validation of a debt upon a consumers dispute. Despite my request, you have failed to provide the following necessary documentation : XXXX. The name and address of the original creditor and current creditor to whom the debt XXXX. XXXX is owed. 
An itemization of the current debt amount, including a breakdown of interest, fees, payments, and credits. 
A copy of any assignment or transfer of the debt from the original creditor to your XXXX company. 
Documentation of any securitization of the debt, and proof that the debt was properly assigned to your company. 
Furthermore, under 15 U.S.C. XXXXg ( b ), once a consumer disputes a debt, a debt collector must cease all collection activitiesincluding reporting the debt to credit bureausuntil the debt is properly validated. This is a clear requirement under federal law and has been reinforced by case law. 
In XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, 2014 XXXX XXXX ( XXXX XXXX. XX/XX/year> ), the court held that a debt collector can not continue reporting a disputed debt to the credit bureaus without first verifying the debt. The court ruled that if a consumer disputes the debt, the debt collector must suspend any collection activities, including credit reporting, until it provides proper validation. The court further emphasized that continuing to report an unverified debt constitutes a violation of the FDCPA. 
Therefore, I demand that you immediately cease reporting any information about this debt to the credit bureaus until you have provided the requested validation. If the debt can not be properly validated, I request that you remove any derogatory information related to this debt from my credit reports. 
Please be advised that if you fail to provide the requested validation within XXXX days from the date of this letter, I will pursue all available remedies under the FDCPA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney Generals office. Additionally, I will consider pursuing legal action to enforce my rights. 
Thank you for your prompt attention to this matter. I expect your full compliance with the FDCPA and look forward to resolving this issue. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXXc ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : 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 non-monetary relief
Consumer complaint received 2025-03-03 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: MD

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
i have never been late on payments for the account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. thank you

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( 15 USC XXXX XXXX ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX CARD : Account number : XXXX, XXXX CARD : Account number : XXXX, XXXX CARD : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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