vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : XXXX XXXX XXXX : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX ************ {$9900.00} XX/XX/XXXX XXXX XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX  XXXX {$150.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX ************ {$9900.00} XX/XX/XXXX XXXX XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I'm repeatedly getting calls non stop throughout the day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. I have provided information over 5 times in reference to XXXX XXXX. It has been well OVER 365 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I XXXX XXXX file a dispute with chime regarding transaction was unauthorized transactions I asked for information regarding the data theft has taken funds from my account. I been trying request for the information that wasn't authorize any of the transactions I report to companies on transactions wasn't authorize by the consumer. I have yet to receive a proper response or proof of their thorough investigation, they states that they have investigated on this behalf. All I receive is general email stating that they have found no errors in this investigation but have not yet to send a proper documents stating that they have done a thorough investigation and that they found this information that they state that is no errors has occurred on my behalf of doing. 


I have been asking and requesting this proof for approximately XXXX to 4 months and I have still yet to receive any proof regarding these matters. So with that being said, they're constantly procrastinating on the matter of the rights of this consumer and they have not. A legitimate reason of why that they stating these no errors has been found. 

As a consumer, I feel that my rights has totally been violated on a consent of not receiving proper information regarding theft that transpired in the consumer 's rights and regulations regarding disputes on information that has been stolen from my account. 

I have gave proper notice stating that it has been stated that information has been violated due to a data breach. They have totally disregard the information and states that it's still no violation has been occurred in this matter, but they still states that they still will not give me proof of it all. 
They have been holding funds that was stolen from my account from some type of data breach or errors that transpired on their system and they will not try to rectify the matter in this situation. I have asked over and over again to investigate this matter and they have yet to rectify or come to any reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Collector : RESURGENT/LVNV FUNDING Account # : XXXX Acct. Balance - {$430.00} Date : XX/XX/XXXX To Whom It May Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed.

I am requesting debt validation and a copy of the purchase agreement made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation of debt that is competent evident I owe the debt. Please include the following information : Original credit contract bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Copy of Assignment Contract Chain A valid statement from a licensed debt collector Your company name and mailing address Name and mailing address of the original creditor, with my handwritten signature on their contract. Date of last payment of this alleged account. 
The account number of the original creditor. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. 
Current amount of debt at the time of the notice Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for an alleged debt that I owe, is a violation of the Fair Debt Collection Practices Act FDCFA 807 { 15USC 1962e } ; therefore, if you can not validate the debt, I demand that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond with 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

You will be required to appear in court venue local to me, since you are clearly doing business in my area.

For the purpose of 15 USC 1962 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims.

Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Sincerely yours XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
My information was stolen in a few data breach With XXXX they send me a letter and also XXXX XXXX and Lexington medical center! All said I was compromise in a data breach. They have my social and all my personal information. Someone also opened a bank account in my name in another state that I didnt approve and I got a letter about fraud and called they closed the account. 
I also dealt with Lexington law to have something removed that was charged off and those items came back. I read they had a settlement for a lawsuit that I have not received a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MI

Complaint narrative:
I recently viewed my Clarity Credit Report on XX/XX/XXXX. I have discovered over XXXX credit inquiries on my Clarity Credit Report. Dating all the way back to XX/XX/XXXX ( See Attached Documents to support my complaint ). 
This letter is a formal request to delete the Inquiries listed below from my Clarity credit report. To my knowledge, I have not signed any documentations authorizing the companies listed to view my Clarity credit history. With that being said the Inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction not initiated by Consumer and need to be removed immediately.

When the inaccurate information has been removed. I would like a copy of my updated Clarity credit report mailed to me. 

XXXX XXXX Thank you

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 2025-01-12 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: GA

Complaint narrative:
Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. NONE of these inquiries belong to me.

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 2025-01-12 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: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-01-12 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tn XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Activity Related to Dark Web Monitoring Alerts Dear Equifax, I am writing to formally dispute fraudulent activity that has been reported regarding my credit file due to alerts I received from dark web monitoring services. My personal information have been compromised, and I request your assistance in addressing this matter. 

**Personal Information : ** - Full Name : XXXX XXXX XXXX Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXX XXXX Tn XXXX*Details of the Dispute : ** On January 11, 2025, I received dark web monitoring alerts indicating that my personal information, including [ briefly describe the type of information compromised, e.g., email addresses, passwords, etc. ], has been found in connection with compromised data on the dark web.

Considering this situation, I kindly request the following actions : 1. Completely wipe my credit from addresses that doesnt exist and any information used in the dark web.

Enclosed with this letter are copies of documents supporting my claim.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
They keep harassing me and I didnt even get a loan from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
a bill showed up at my house one day stating that i had a {$4000.00} credit card in my name and that my social and info had been stolen to take out this credit card. numerous times i have been able to prove to capitol one that its not my card and they keep insisting i forgot that its mine because the phone number matched, or the social matched or that somebody made a payment. it is not mine, i will not be paying for someone.

Company response to consumer: Closed with non-monetary relief