vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am unaware of this debt and have not received any proper notification as required by law. If you believe that you have provided me with proper notification, I request that you send me the certified receipt that includes my name and signature as evidence of delivery. 
Until this information is provided, I do not acknowledge the debt remove the account from all credit report for lack of proper notification I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am unaware of this debt and have not received any proper notification as required by law. If you believe that you have provided me with proper notification, I request that you send me the certified receipt that includes my name and signature as evidence of delivery. 
Until this information is provided, I do not acknowledge the debt remove the account from all credit report for lack of proper notification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NY

Complaint narrative:
I filed a FTC report for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681. Ive sent this request of removal to all XXXX credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

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. 
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 : # XXXXXXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-04 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: NH

Complaint narrative:
I was a victim of identity theft and I believe its due to a data breach. My credit report has all fraudulent accounts that I have no knowledge of, ranging from auto loans to credit cards. I get text messages and phone calls everyday with my information, people saying I have ups packages and they need more information, notifications of purchases that I did not authorize. Now i find out my credit report is full of fraudulent accounts that I did not authorized, hard inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
Hi, I would like to initiate an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. Although they were removed before, they have been added back without my awareness. I was neither notified of this change nor received any correspondence in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CL Holdings LLC
State: PA

Complaint narrative:
My information was exposed in a data breach under the Fcra laws I want all removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NH

Complaint narrative:
I was a victim of identity theft and I believe its due to a data breach. My credit report has all fraudulent accounts that I have no knowledge of, ranging from auto loans to credit cards. I get text messages and phone calls everyday with my information, people saying I have ups packages and they need more information, notifications of purchases that I did not authorize. Now i find out my credit report is full of fraudulent accounts that I did not authorized, hard inquiries that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account with XXXX  XXXX, number XXXX, contains inaccurate information, as well as a potentially fraudulent account that has been investigated multiple times with the company. We have reached out through multiple channels and have received evidence of a letter employing an investigatory method that lacks professionalism and is deficient in legally recognized investigative procedures. Despite these investigations, the company has failed to provide a resolution system. This issue has been ongoing for several months, with repeated investigations and reinvestigations, yet the company consistently fails to properly address the issue or provide clear information. This situation constitutes a violation of all consumer protection laws and my rights as a consumer. I will compile all documentation from every investigation conducted with the company and other institutions involved, and send it to the company, the CFPB, and other relevant institutions. None of the involved parties have provided a precise or clear resolution. Additionally, this account has been removed from my report several times, only to be re-reported later. This constitutes a serious violation of consumer protection laws. I demand that the account be permanently deleted and that no further violations occur. This ongoing issue is damaging my credit and undermining my ability to receive fair treatment within the banking system. Please take immediate action to delete this account from my report and resolve this matter fully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MI

Complaint narrative:
I am filing a formal complaint against Chrysler Capital for their lack of cooperation in allowing me to resolve my auto loan responsibly and fairly. Despite my repeated attempts to work out a reasonable solution, Chrysler Capital has refused to engage or provide flexible options, leaving me with few choices and risking unnecessary harm to my credit score. 

I financed my vehicle through Chrysler Capital in good faith. However, due to financial constraints, I can no longer afford the car and have been seeking ways to resolve the remaining balance of the loan. I contacted Chrysler Capital to explore the following options, all of which I believe are fair and mutually beneficial : 1. Selling the Vehicle : I found a dealership willing to purchase the car for {$11000.00}. I offered to pay the remaining loan balance directly to Chrysler Capital in monthly installments as part of a payment plan. Unfortunately, Chrysler Capital has outright refused to consider this option, which would allow me to fulfill my financial obligation while avoiding a repossession on my credit report. 
2. Voluntary Repossession with Payment Plan : When it became clear that Chrysler Capital would not assist with the sale of the vehicle, I even explored the possibility of a voluntary repossession. I offered to pay the remaining balance after the car was auctioned if Chrysler Capital allowed me to settle the debt through monthly payments. I only asked that the repossession not be reported as a negative mark on my credit report. Once again, Chrysler Capital refused to work with me. 

Chrysler Capitals unwillingness to cooperate has made it impossible to resolve the matter responsibly. I am making these requests in good faith and with the clear intent to pay what I owe. All I ask is for a reasonable payment plan that allows me to settle the remaining balance in monthly payments. Their refusal has caused significant emotional and financial stress, as I am doing everything I can to resolve the matter while protecting my credit.

What I Am Seeking : 1. I request that Chrysler Capital allow me to sell the car to the dealership for {$11000.00} and set up a payment plan with affordable monthly payments for the remaining balance.

2. If selling the car is not an option, I request that Chrysler Capital allow me to proceed with a voluntary repossession and pay the remaining balance in monthly installments, without reporting the repossession negatively on my credit report. 
3. I ask Chrysler Capital to work with me in good faith and provide the flexibility to fulfill my obligations responsibly.

I have made every effort to resolve this matter and hope Chrysler Capital will reconsider its position. I remain committed to fulfilling my obligations and only ask for their cooperation to make this possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I didnt get my closing account balance from Wells Fargo , they respond they send the cashier check but I never receive that check, I was check the document from Wells Fargo they send check to a wrong address, that address is different than my original address also is different with when I open 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 2025-01-04 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: T.S. Holdings
State: GA

Complaint narrative:
I am writing to inform you that my identity has been stolen, and I need urgent assistance in resolving this matter. Upon reviewing my credit reports, I discovered several accounts and inquiries that I do not recognize and did not authorize. These fraudulent accounts and inquiries have caused me significant concern. 



To begin addressing this issue, I request the following : 1. Please place fraud alerts on my credit files with XXXX, XXXX, and XXXX to ensure additional verification is required before any new credit is opened in my name. 

2. I request the immediate removal of any fraudulent accounts and inquiries from my credit reports, as I work to recover my identity and prevent further harm. 



I am currently in the process of gathering additional documentation to support my case and will cooperate fully with any investigation required. Please let me know if any additional steps are necessary to initiate these actions or if you require further information from me. 



Thank you for your time and attention to this matter. I look forward to your guidance and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to inform you that my identity has been stolen, and I need urgent assistance in resolving this matter. Upon reviewing my credit reports, I discovered several accounts and inquiries that I do not recognize and did not authorize. These fraudulent accounts and inquiries have caused me significant concern.

To begin addressing this issue, I request the following : 1. Please place fraud alerts on my credit files with XXXX, XXXX, and XXXX to ensure additional verification is required before any new credit is opened in my name. 

2. I request the immediate removal of any fraudulent accounts and inquiries from my credit reports, as I work to recover my identity and prevent further harm.

I am currently in the process of gathering additional documentation to support my case and will cooperate fully with any investigation required. Please let me know if any additional steps are necessary to initiate these actions or if you require further information from me. 



Thank you for your time and attention to this matter. I look forward to your guidance and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To : Credit Reporting Agencies Request for Removal of Unverifiable Account Information Dear Credit Reporting Department, I am writing to formally request the removal of a Late payment from my credit report. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a late payment from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable late payment from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable late payment from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 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 non-monetary relief