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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
Failure to Correct Inaccurate Information and Unauthorized Account Following Data Breach I am filing this complaint due to the failure of credit reporting agencies TRANSUNION and a creditor/collection agency XXXX XXXX to investigate and correct an unauthorized account XXXX XXXX  ) on my credit report. This account, with a balance of {$68000.00}, was opened on XX/XX/year> without my authorization and is tied to a data breach that compromised my personal information. 

Relevant Legal Context : This situation involves multiple violations of federal and state laws designed to protect consumers personal and financial information : Gramm-Leach-Bliley Act ( GLBA ) Under the GLBA Safeguards Rule, financial institutions are required to implement safeguards to protect consumer data. The failure to prevent the data breach that exposed my information and led to the unauthorized account violates this obligation. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : CRAs must investigate disputed items and remove inaccurate or unverifiable information.

15 U.S.C. 1681c-1 : Consumers have the right to place fraud alerts and have fraudulent information promptly addressed. 
Despite submitting disputes and evidence of identity theft, the CRAs failed to remove the account or investigate adequately. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Creditors and collection agencies are required to validate debts upon request. Despite my formal demand for validation, the creditor/collection agency has not provided proof of ownership or compliance with federal safeguards.

Virginia Code 18.2-186.6 ( State Data Breach Law ) Virginia requires that affected individuals be notified promptly of breaches involving personal information. The lack of sufficient safeguards and failure to mitigate the impact of the breach contributed to this unauthorized account.

Federal Trade Commission Act ( FTC Act ) The failure of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45. 
Summary of Events : My personal information was compromised during a data breach, exposing sensitive details such as my Social Security number and account information. 
Shortly thereafter, the unauthorized account ( XXXX XXXX appeared on my credit report. 
Despite submitting disputes under the FCRA, the CRAs failed to investigate properly or remove the account. 
The creditor/collection agency has not validated the account, as required by the FDCPA. 
These failures have caused significant financial harm, including a negative impact on my credit score and denial of credit opportunities.

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 2025-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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

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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-04 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: GA

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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I was a victim of fraud through some data breaches and tenants at a old address I used to live at. I am receive threats from a MidlandCredit.com and because I have never applied for a anything with I am not sure what they want they refuse to tell me anything without confirming my identity and I am so secure with my identification now I am not sure how to resolve this matter I never had or applied for anything without confirming this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I recently received an email from XXXX XXXX XXXX, notifying me that they are now the owner of a previous XXXX credit account associated with my name. However, I would like to clarify that this debt was fully paid off through the Phoenix Collection Agency and was settled for {$580.00}. The confirmation number for this settlement is XXXX, and it was associated with account number XXXX. 

Additionally, my credit report indicates that the account was marked as paid and settled for a lesser amount on XX/XX/year>. 

Given that the account has been settled and paid in full, no further collection efforts should be made regarding this XXXX credit account. Please update your records accordingly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Case Number : XXXX Merchant : XXXX XXXX XXXX ( XXXX XXXX ) Amount : {$170.00} Date : XX/XX/year> After receiving the merchant response by email I would like to continue this dispute because the cash withdrawal at the ATM machine never went through as I never received the cash, it was not disbursed.

The attached receipt proves that NO CASH was disbursed because of an unknown error with the ATM. The bank agent confirm me that I never received the CASH due to a technical issue and the pending authorization at that time it will automatically drop after few days The merchant also confirmed to me this issue and promised to REFUND ME for the full amount of {$170.00} on XX/XX/XXXX, again on XX/XX/XXXX and last one on XX/XX/XXXX via email ( email attacched ).

The last email from Merchant which is dated XX/XX/XXXX, they say actually the response given to this dispute process is invalid/incorrect and I did not received any service/cash for this transaction so Im entiteled to have this dispute continue and be closed in my favor.

CAPITALONE SHOULD BE ASHAMED Case number - XXXX CAPITALONE DISPUTE

DEPARTMENT IS A JOKE BY KEEP REFUSING THE EVIDENCES I'M PROVIDING TO SUPPORT MY DISPUTE. CAPITALONE DISPUTE DEPARTMENT KEEP REFUSING MY EVIDENCES FOR THIS DISPUTE AND ONLY TAKE FOR VALID THE MERCHANT RESPONSE WHICH SENT SOMETHING AND THE DAY BEFORE AND AFTER CONFIRM ME VIA EMAIL THAT THEY SENT ME A FULL REFUND FOR THIS TRANSACTION. I WANT MY MONEY BACK BECAUSE I CAN NOT ACCEPT THIS CONTINUE MISTAKES AND MADE BY CAPITALONE AND TOTAL REFUSING TO TAKE MY EVIDENCES AS " TRASH '' BECAUSE NO VALID WHEN THEY ACTUALLY ARE SO CLEAR AND EVIDENT. I DO HAVE ALL THE PROOF FROM THE MERCHANT THAT THIS CASE CAN BE APPEALED AND CAN BE CONTINUED WITH THIS DISPUTE ONCE FOR ALL. The merchant also confirmed to me this issue and promised 6 times via email to REFUND ME for the full amount but CAPITALONE keep refusing this evidences. I also made a POLICE REPORT to be used eventually to take CAPITALONE to court suit.

Company response to consumer: Closed with monetary relief
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: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX refused to accept any payments. They redirected me to True Accord. I paid the debt in full and have requested XXXX and XXXX remove the negative remark from my credit report. None of the XXXX have responded. XXXX is reporting a bad, charged off account which is inaccurate and unlawful. Please respond to my request expeditiously as I have been attempting to settle this for over XXXX months without any results.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX refused to accept any payments. They redirected me to XXXX XXXX. I paid the debt in full and have requested Transunion and XXXX remove the negative remark from my credit report. None of the XXXX have responded. XXXX is reporting a bad, charged off account which is inaccurate and unlawful. Please respond to my request expeditiously as I have been attempting to settle this for over XXXX months without any results.

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 2025-01-04 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:
XXXX refused to accept any payments. They redirected me to XXXX XXXX. I paid the debt in full and have requested XXXX and Experian remove the negative remark from my credit report. None of the XXXX have responded. XXXX is reporting a bad, charged off account which is inaccurate and unlawful. Please respond to my request expeditiously as I have been attempting to settle this for over XXXX months without any results.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
Lexington law firm was taking my money but never fixed anything on my credit report

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Since 2019 when these Accounts Appeared on my Credit reports I have requested VALIDATION of these debts, I requested Statements and All Evidence required to VALIDATE these Debts. The Original Creditors nor The Credit Bureas todate since 2019 has bothered to VALIDATE these debts they are reporting as Past Due or Charged off on my Credit Files. XXXX Years now I have requested Validation of these debts yet no CREDITOR OR CREDIT BUREAU HAS COMPLIED WITH MY REQUEST FOR VALIDATION. These Creditors and Credit Bureas only say these debts have been Verified as Accurate, I Requested VALIDATIION of these Debts, not VERIFICATION of these debts. These Debts have yet to be VALIDATED with a Statement or Past Due Notice. After so many years of trying get a Legal VALIDATION of these debts it impossible for be to accept these Debts as VALID.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : U.S. Bankruptcy XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-04 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:
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. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : U.S. Bankruptcy XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with non-monetary relief