vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: RI

Complaint narrative:
I have a XXXX XXXX car loan account that was paid off in 2021. I've had a few late payments in XXXX problem is that the closing dates and last payment dates are incorrect. I haven't missed a payment since. This error on my report is affecting my account negatively.

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 2025-03-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
I want reported accounts to be removed - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-06 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: LEXISNEXIS
State: NV

Complaint narrative:
I HAVE SENT THIS INFORMATION TO LEXIS NEXIS OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Duvera Billing Services, LLC
State: GA

Complaint narrative:
AFFIDAVIT OF TRUTH I, XXXX XXXX, being duly sworn, do hereby make this affidavit and state as follows : Introduction : I am a resident of [ Your Address ], in XXXX XXXX of [ XXXX XXXX ], and I am of legal age to make this affidavit. This affidavit is made based on my personal knowledge and belief regarding the violations of 18 U.S.C. 1028A ( Aggravated Identity Theft ) that have occurred in relation to my personal information.

Violations of Law : I hereby declare that I have been a victim of aggravated identity theft as defined under 18 U.S.C. 1028A. Specifically, [ describe the nature of the identity theft, how it has occurred, and any relevant details that demonstrate the misuse of your identity ].

Request for Action : I am formally requesting the removal of any fraudulent accounts associated with my name and Social Security number that have been opened without my consent. This includes, but is not limited to, [ list any specific accounts or creditors ].

IRS Fraud : Furthermore, I am demanding the issuance of a 1099-C form related to any fraudulent income reported to the IRS in connection with this identity theft. I will not tolerate any further fraudulent claims against my name. 
Racketeering Charges : I assert that the actions taken against me constitute a pattern of racketeering activity as defined by federal law. I will take all necessary steps to enforce appropriate racketeering charges against those responsible for this identity theft and related fraud.

Final Notice : This document serves as your final notice to rectify this situation. I demand immediate action to remove the fraudulent account and all associated claims. Failure to comply will result in my pursuing all legal remedies available to me, including, but not limited to, civil litigation and criminal charges. 
Affirmation : I affirm that the statements made herein are true and correct to the best of my knowledge and belief. 
Dated this XXXX, XXXX, XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There are XXXX accounts appearing on my credit report that are not mine. I have requested copies of any signed contracts or identification used by the person who opened these accounts to prove that it was not me ; but these companies have either been unwilling or incapable of providing the requested information. I can't fathom how any company can just claim to have a debt owed to them with XXXX proof. It's bad enough, that there are people willing to perpetuate a fraud using someone else 's identity, but then you have companies that help perpetuate that fraudulent activity by not doing their due diligence prior to opening an account and then making matter worse by not providing any proof that a debt is legitimate. 

The accounts in question are from a company called XXXX XXXX XXXX acting on behalf of a utility company called XXXX XXXX XXXX XXXX with an outstanding balance of {$310.00} and the other account is from LVNV Funding acting on behalf of XXXX XXXX XXXX, with an outstanding balance of {$550.00}. 

From what I've been able to ascertain, both of these accounts are for utility accounts opened in the state of Texas, which I can confirm I have no connection with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor XXXX. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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 2025-03-06 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: MD

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Could not find a proper way to find the choices to get me here. This complaint is about a dispute. I bank with capital one and i have my checking account and a debit card. I was at the airport at XX/XX/XXXX and was stuck for 16 hours at the XXXX airport trying to get on a flight that had canceled me for the sake of not having enough seats. During these 16 hours i contacted someone and was told to XXXX them money in order to receive a plane ticket, this person had then done an unauthorized plane ticket purchase through my phone and eventually did not and would not answer any calls or texts or emails or anything to respond to me. Not only was i stranded because of no ticket and short XXXX $ i contacted the airline to see of there was a way i could get the money back and they had told me to contact my bank to dispute the charge. After reaching out to my bank capital one the automated system which would for some reason not understand me had me wait for 15 minutes to call my bank. When i called and was finally answered my bank would go on to have a representative help me and had me describe a situation. Not only did the representative have a hard time understanding me and i had a hard time understanding him because of his thick accent he was very unhelpful and had wrongly noted my situation as i was describing it making things difficult. After the long phone call to answer i went on to wait for the dispute to be resolved as i had boarded another plane i had paid for this time from a kiosk at the airport and was at my destination. After 2 days my dispute was denied and after another phone call i was told that i told the person to take the money and give me a ticket and it was in me that they didnt respond which in actuality i did not authorize the payment and was confused as to how that even happened. So overall im short XXXX and my dispute is constantly denied but they were the one who had wrong information. I offered proof of me being at the airport and proof of me reaching out to the person but they wont reply and proof the unauthorized amount was taken out. After trying to re open the case i was told to wait 15 days until they contact me but so far no one has contacted me at all after 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
the collection agency has engaged in false and misleading practices, violating FDCPA807 and providing misleading forms, violating FDCPD812.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
I am writing to file a formal complaint against IC System, a debt collection agency, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : IC System has reported a collection account on my credit report associated with a debt purportedly incurred at an address I had not yet occupied during the billing period in question. Despite providing evidence to IC System demonstrating that I did not reside at the address during the specified time frame, they have refused to remove the inaccurate collection from my credit report.

Violations : 1. Attempting to Collect a Debt Not Owed : IC System is attempting to collect a debt that does not belong to me, as it pertains to services rendered at an address where I did not reside during the billing period. This practice is prohibited under the FDCPA.

2. Failure to Provide Adequate Information About the Debt : IC System has not provided sufficient information to substantiate the validity of the debt, in violation of the FDCPA.

3. Reporting Inaccurate Information to Credit Bureaus : By reporting this inaccurate debt to the credit bureaus, IC System has violated the FCRAs requirement to report accurate information.

Supporting Evidence : Documentation proving my actual residence during the billing period in question. 
Correspondence with IC System disputing the debt and their responses. 
Copies of my credit reports showing the inaccurate collection account. 

I respectfully request the Consumer Financial Protection Bureau to investigate IC Systems practices concerning this matter and to take appropriate enforcement action to ensure compliance with federal laws. Additionally, I seek assistance in having this inaccurate collection account removed from my credit report to prevent further harm to my credit standing. 

Thank you for your attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I Listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove 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 non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-07 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: MD

Complaint narrative:
I went to XXXX website to ask them if they would remove the penalty for a late charge since I paid my balance in full. They said that they would but its yet to be reflected on my credit report. Several times Ive opened a dispute with TransUnion but no one ever reached out to ask me for proof nor was I given clear instructions on how to submit proof to support my claim.

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