vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a personal data that is incorrect, please remove the following wrong address and the security alert associated with my account. 

Wrong address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TN

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. 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 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TN

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. 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 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 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 non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX Account number : 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
Consumer complaint received 2025-03-25 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
Dear XXXXXXXX XXXX  XXXX XXXX XXXX am writing to formally request the removal of account # XXXX from my credit report due to a clear violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports, I noticed that the last payment date for this account is reported inconsistently : Experian reports the last payment date as XX/XX/year>. 
XXXX reports the last payment date as XX/XX/year>. 
This inconsistency is a violation of my rights under the FCRA, which mandates that all information reported to credit bureaus be accurate and consistent. 

Due to this error, and considering that the account has been resolved, I am requesting that this account be removed from all three credit reporting agencies ( XXXX, Experian, and XXXX ) immediately. 

Please investigate this matter and provide confirmation in writing once the account has been removed. 

Thank you for your prompt attention to this issue. 

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 2025-03-25 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:
Dear XXXXXXXX XXXX XXXXXXXX XXXX I am writing to formally request the removal of account # XXXX from my credit report due to a clear violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports, I noticed that the last payment date for this account is reported inconsistently : XXXX reports the last payment date as XX/XX/year>. 
Equifax reports the last payment date as XX/XX/year>. 
This inconsistency is a violation of my rights under the FCRA, which mandates that all information reported to credit bureaus be accurate and consistent. 

Due to this error, and considering that the account has been resolved, I am requesting that this account be removed from all three credit reporting agencies ( Equifax, XXXX, and XXXX ) immediately. 

Please investigate this matter and provide confirmation in writing once the account has been removed. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
Dear XXXXXXXX XXXX XXXX , I am writing to formally request the removal of account # XXXX from my credit report due to a clear violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports, I noticed that the last payment date for this account is reported inconsistently : XXXX reports the last payment date as XX/XX/year>. 
XXXX reports the last payment date as XX/XX/year>. 
This inconsistency is a violation of my rights under the FCRA, which mandates that all information reported to credit bureaus be accurate and consistent. 

Due to this error, and considering that the account has been resolved, I am requesting that this account be removed from all three credit reporting agencies ( XXXX, XXXX, and TransUnion ) immediately. 

Please investigate this matter and provide confirmation in writing once the account has been removed. 

Thank you for your prompt attention to this issue. 

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
Consumer complaint received 2025-03-26 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: Block, Inc.
State: OH

Complaint narrative:
Well my phone and wallet was stolen and there was charges on my cash app card I've been fighting with these people for XXXX XXXX now they close my account say they are investigating and will email me back and I get no response but that it's at a higher team they will reach me then I wait and wait they say there is no dispute my accounts closed I've used them for XXXX  spent XXXX  of dollars with these people I'm just chasing my tail same stuff every time no response account closed nothing about getting my money back that was fraudulently taken. It was quality inn XXXX XXXX thru XX/XX/XXXX XXXX each day and also XX/XX/XXXX XXXX  XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Subject : Request for Debt Validation Dear [ Collection Agency Name ], I am contacting you regarding the debt you claim I owe, referenced as [ Account Number ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide written validation of this debt, including : 1. The name of the original creditor 2. A detailed breakdown of the amount owed 3. Proof that you are legally authorized to collect this debt 4. Copies of any signed contracts or agreements associated with the debt Until proper validation is provided, I request that all collection activities cease, including reporting this debt to credit bureaus. If you can not validate the debt, I request that you remove any negative reporting related to this account from my credit report. 
Please provide the requested information within 30 days. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: PA

Complaint narrative:
I was contacted by I.Q. Data International They were trying to collect a debt for {$4100.00} from XXXX at XXXX. I immediately sent a certified letter to them to dispute their information & asked them for verification of this debt. I have no contract with I.Q. Data International. I understand that under my right of the FCRA they had to respond within 30 days. I received a letter from them 40 days later with no verification. I have copies of the certified letter & copy of the post mark on their response. This is not my debt and they have reported this on my credit reports and have jepordized my job in the financial industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MCT GROUP INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
i have contacted XXXX numerous times about two fraudulent accounts that are on my credit report via mail and by phone call, phone calls have been dropped on me over 30 times and ive been placed on hold with no agents ever coming back to the line, on XX/XX/XXXX i filed and ftc report and sent the document to XXXX disputing the accounts they never responded or provided information on disputes when i called they said my ftc report was not valid because it was not numbered by page, i advised them several times ftc reports are not number by page instead its just one page they declined to help and advised i contact the ftc, i contacted ftc and they confirmed that ftc reports are not numbered by page also and advised me to contact the cfpb.the accounts at hand are navy federal credit un XXXX and XXXX XXXXXXXX. my ftc report number is XXXX XXXX agents did nothing to help me rather have me keep doing the same things over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-25 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: Kikoff Inc.
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX 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 2025-03-25 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: GA

Complaint narrative:
I submitted a certified dispute to TransUnion on XX/XX/year>, disputing three inaccurate accounts appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The dispute included all required identity documents and was mailed directly by me, as evidenced by my certified mail receipt and delivery confirmation. However, TransUnion initially claimed they had not received the dispute which I can prove false through documentation. After I filed a CFPB complaint, TransUnion responded vaguely, simply stating that the accounts were verified as reported, without providing any documentation or investigation detail. 

This response violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) ( 1 ) ( A ) requires a reinvestigation of any disputed item, not just passive acceptance of what the furnisher reports.
FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) mandates that TransUnion provide a description of the procedure used to determine the accuracy of the information which was not included.

FCRA 1681b ( a ) states that a consumers credit report may only be accessed or furnished for specific permissible purposes. No documentation was provided to show a permissible purpose or written consent in this case. 

FCRA 1681e ( b ) requires TransUnion to maintain reasonable procedures to ensure accuracy. Their previous claim that they " couldnt find my file '' despite full identifying information is further evidence of faulty procedures. 

This failure to conduct a meaningful investigation and provide legal justification for the reporting of these accounts is a violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I have spoke with Experian the following personal information is incorrect. I am going to start a lawsuit if its not removed immediately. I have also reported Experian to D.O.G.E Wrong phone numbers XXXX XXXX wrong addresses XXXX XXXX XXXX XXXX Ca XXXX listed XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Fraud address not my address I have never lived in Florida Wrong names XXXX, XXXX, XXXX, XXXX these names go back 35 years and I have a right under consumer law to have a correct credit report. Under the FCRA 15 U.S.C.S 1681i and the metro reporting guidelines XXXX and XXXX have deleted the above incorrect information. I demand the removal of incorrect addresses as they are not deliverable to me by US post office. I am intitled to a free updated credit report after this investigation. Additionally under FCRA 15 USC & 1681i ( a ) ( 5 ) ( A ) you are required to notify me of the results of this investigation with-in five business days after it complete

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 2025-03-25 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: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-25 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 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: MI

Complaint narrative:
I've been involved with about XXXX data beaches including the Social security data breach and I'm being denied credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I've been involved with about XXXX data beaches including the Social security data breach and I'm being denied 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 non-monetary relief