vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: AL

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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I placed a {$980.00} deposit on a motor vehicle. I t was an online auction and I used my Citibank Mastercard. The seller changed the description of the vehicle after the auction was over. I called them to cancel the sale but they would not cancel it. I filed a dispute with Citibank on XX/XX/year>. Citibank decided in favor of the merchant.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jacob Law Group, PLLC
State: AL

Complaint narrative:
On XX/XX/year> I learn that a lawsuit was filed against me from Jacob law group. I requested documents from the courts and learn that Jacob law group did in fact send documents to my correct address and in have knowledge of where I lived at the time. when Jacob law group enter the lawsuit to summon me to court Jacob law group sent the summons to a address I never lived Ever! providing the courts with false information. I believe if the CFPB was to dig deeper into this Jacob law group that they will find a pattern of my claims. Jacob law group like other collection companies thrive off default judgments and garnishments so its not in their best interests that people show up for court. Debt collectors like Jacob law group uses unfair practices like the improper service of process by intentionally failing to successfully service someone. I file a motion to set aside with the courts and am waiting on a response. I have been talking with some attorneys about taking Jacob law group to civil court because of this. I think that the CFPB should look into this and see the pattern of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
Name : ( XXXX XXXX XXXX ) Social Security Number : ( XXXX ) Date of Birth : ( XXXX ) Subject : Immediate Demand for Blocking of Fraudulent Information Under FCRA 605B Identity Theft and Fraud Notification To TransUnion and All Responsible Personnel : This is a formal and urgent legal demand filed as part of a Consumer Financial Protection Bureau ( CFPB ) complaint. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove all information resulting from identity theft from my consumer credit report within 4 business days of your receipt of this complaint. You are now on notice, and your failure to comply will constitute a direct violation of federal law.

The following entries currently appearing on my TransUnion credit report are fraudulent, unauthorized, and criminal in nature : XXXX. XXXX XXXX opened on XX/XX/year> These items have also triggered multiple fraudulent hard inquiries, which I have listed in the attached documentation, along with a copy of my current credit report showing the above-listed fraudulent data. 

Let me be absolutely clear : I did not open, authorize, initiate, or consent to any of these accounts, collections, or hard inquiries. They are the result of criminal identity theft, and you are now in possession of formal legal documentation proving such. 

Attached is my FTC Identity Theft Report Criminal Complaint # [ XXXX ], issued by the U.S. Federal Trade Commission, verifying that all of the above-referenced accounts and entries are the result of identity theft and fraudulent use of my personal information. 

This is a direct invocation of your legal obligation under the FCRA 605B. You are hereby ordered to : Permanently block each of the above-referenced fraudulent items from appearing in any version of my TransUnion credit file Cease all reporting of these items to third parties, immediately Confirm in writing within 4 business days that each item has been removed, blocked, and will not be reinserted under any circumstances Provide an updated credit report reflecting these actions in full If you fail to comply with this formal demand, I will pursue all available legal and regulatory remedies, including but not limited to : Filing additional complaints with the CFPB, FTC, and my State Attorney General Initiating a civil lawsuit for damages related to Experians negligence, willful noncompliance, and continued publication of knowingly false information Seeking punitive damages under the full scope of the Fair Credit Reporting Act This is your final opportunity to resolve this matter lawfully and voluntarily. Any delay, obstruction, or negligence will be documented and escalated accordingly.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The XXXX XXXX card account from XXXX bank was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX bank. Please correct the status, the balance and block this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The XXXX XXXX card account from XXXX bank was closed, paid in full and has a XXXX balance. The payment was never late. See attached the letter from XXXX bank. Please correct the status, the balance and block this account from my credit 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 2025-05-02 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-05-02 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> To : Sunrise Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Subject : Notice of Dispute and Request for Validation of Debt Pursuant to 15 U.S.C. 1692g Dear Sunrise Credit Services, This letter is being sent in response to your recent communication regarding an alleged debt. I am formally disputing the validity of this debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which is enforced by the Consumer Financial Protection Bureau ( CFPB ).

I hereby request full validation of this debt. Please provide : 1. The name and address of the original creditor.

2. A complete itemized statement showing all charges and payments applied.

3. A copy of the original signed agreement or contract that created this alleged obligation.

4. Documentation proving your legal authority to collect debts in the state of New Jersey.

Until this information is provided, you must cease all collection activities, including reporting this debt to any credit reporting agency. If you can not validate the debt, you are required to remove it from all credit bureaus.

If you fail to respond within 30 days of receiving this letter or continue collection efforts without proper validation, I will file formal complaints with the CFPB, the FTC, and the New Jersey State Attorney General. I also reserve the right to pursue legal action for any violations of the FDCPA.

Please direct all future communication regarding this matter in writing only.

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 2025-05-02 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-02 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-02 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-05-02 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: CA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
The company responded to previous complaint by stating they were unable to locate the account based on the information provided. However, the account is currently reporting on my credit file under the name Fair Collections and Outsourcing with a balance of {$1600.00}, and an open date of XX/XX/2020. 

Under the Fair Credit Reporting Act ( FCRA ), if a company can not verify the account they are furnishing to credit bureaus, they are required to delete the information. The burden of proof is on the data furnisher not the consumer. 

Since FCO was unable to locate the account or verify its accuracy, I am now requesting the immediate deletion of this account from all credit reporting agencies ( XXXX XXXX and XXXX  ). 

Their inability to verify the account is a clear basis for removal under FCRA guidelines. Please reopen this complaint and ensure appropriate action is taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a formal complaint regarding a debt collection agency that has recently contacted me at a new address that I never provided to them directly. 
I am concerned that my personal address was obtained through questionable or unauthorized means. I have not had any direct contact with this agency nor have I updated my address with them or any affiliated creditor. Despite this, they were able to locate and contact me at my new residence. I believe this may be a violation of my privacy, and I am requesting an investigation into how this information was accessed. 
Details of the incident : Debt Collector Name : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Date of First Contact at New Address : XXXX XXXX Nature of Contact : mailed letter I am particularly concerned that my updated address may have been obtained through methods that violate the Fair Debt Collection Practices Act ( FDCPA ) or other consumer protection laws. 
I am requesting that the CFPB : XXXX how the debt collector accessed my updated address. 
XXXX if any laws or regulations were violated. 
XXXX ensure that my privacy rights are protected moving forward. 
Please keep me informed of the progress and resolution of this complaint. I am happy to provide additional documentation or details as needed.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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