vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Delete evictions 15 USC 1637 ( 2 ) 9a ) 15 USC 1681- 15 USC 1681e ( b ) 15 USC 1681s-29 Collections : 15 USC 1692c 15 USC 1681e ( b ) 15 USC 1692g.

Charge offs : 15 USC 1635. 15 USC 1692a Late payment:15 USC 1681 ( 2xi ) 15 USC 1666b . 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In Collections XX/XX/XXXX {$1000.00} {$1000.00} Please let me know exactly which items you want to dispute, and the reason for each item.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-25 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: NV

Complaint narrative:
Although I have provided TransUnion, Equifax, and Experian an FTC-Identity theft report, police report, and CFPB Complaint, I was still denied a XXXX extended identity theft alert and was denied the request for those items to be deleted from my credit profile. 

They are trying to send me in circles by emailing me and requesting the exact same documents I already sent them by certified mail, and they confirmed they received those documents however, they are rejecting my FTC report. and all of my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NV

Complaint narrative:
Although I have provided TransUnion, Equifax, and Experian an FTC-Identity theft report, police report, and CFPB Complaint, I was still denied a XXXX extended identity theft alert and was denied the request for those items to be deleted from my credit profile. 

They are trying to send me in circles by emailing me and requesting the exact same documents I already sent them by certified mail, and they confirmed they received those documents however, they are rejecting my FTC report. and all of my requests.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX, NY, 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear XXXX Disputes Department, I am formally disputing the late payment entries being reported by XXXX on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute XXXX. Violation of XXXX XXXX. XXXX ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If XXXX can not provide definitive proof of accuracy, these negative marks must be deleted. 
2. Violation of 15 U.S.C. 6801 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If XXXX reported inaccurate or unverifiable late payments, they have failed their legal duty. 
XXXX. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand XXXX provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for Immediate Action XXXX must fully validate and provide documented proof of these late payments within 30 days. If XXXX can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( XXXX, Experian, and XXXX ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear XXXX Disputes Department, I am formally disputing the late payment entries being reported by XXXX on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute XXXX. Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If XXXX can not provide definitive proof of accuracy, these negative marks must be deleted. 
2. Violation of 15 U.S.C. 6801 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If XXXX reported inaccurate or unverifiable late payments, they have failed their legal duty. 
3. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand XXXX provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for Immediate Action XXXX must fully validate and provide documented proof of these late payments within 30 days. If XXXX can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX Disputes Department, I am formally disputing the late payment entries being reported by XXXX on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute 1. Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If XXXX can not provide definitive proof of accuracy, these negative marks must be deleted. 
2. Violation of 15 U.S.C. 6801 XXXX XXXX ( XXXX ) : * The XXXX requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If XXXX reported inaccurate or unverifiable late payments, they have failed their legal duty. 
3. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand XXXX provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 XXXX XXXX ( XXXX ) : * The XXXX also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for Immediate Action XXXX must fully validate and provide documented proof of these late payments within 30 days. If XXXX can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( Equifax, XXXX, and XXXX ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes. 
Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law.

Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through Form 1099-C. Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading 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
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I have identified inaccurate information on my credit report. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify this account. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and rectify the errors for the account listed on my credit report. 
XXXX XXXX Balance : {$60.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I have identified inaccurate information on my credit report. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify this account. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and rectify the errors for the account listed on my credit report. 
XXXX XXXX Balance : {$60.00}

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 2025-02-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately. Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the XXXX timeframe as mandated by 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
The dept wasn't appearing for a long time, I'm on XXXX XXXX XXXX XXXX and I'm XXXX and can not pay the dept

Company response to consumer: Closed with explanation