vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit file related to a 30-day late payment for the above-referenced XXXX it Secured Credit Card account, dated XX/XX/year>. 

Per my recent communication with XXXXXXXX XXXX, the creditor has already confirmed the removal of this late payment and provided written documentation stating that they have requested the removal of the delinquency previously reported for XX/XX/year> from my credit history. This was clearly stated in their courtesy deletion letter dated [ insert date if available ]. 

Under the Fair Credit Reporting Act ( FCRA ), Section 602A ( 6:024 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am exercising my right to request the immediate deletion of inaccurate or unverifiable information from my consumer credit report. Additionally, per 15 U.S.C. 1681i, you are required to reinvestigate and promptly remove inaccurate data when the furnisher confirms that the disputed information is incorrect or no longer valid. 

I demand that the late payment for XX/XX/year> be deleted immediately from my credit report to prevent further harm to my creditworthiness, especially since the creditor has acknowledged the error and issued a correction notice to your agency. 

Attached are the following supporting documents for your review : A copy of the letter from XXXXXXXX XXXX  confirming deletion A copy of my drivers license ( ID Verification ) A copy of a recent utility bill or bank statement ( Proof of Address ) Please conduct your reinvestigation, and upon confirmation, remove this negative item from my credit report across all bureausExperian, Equifax, and TransUnionas required by law. Kindly send written confirmation once the deletion is completed. 
Respectfully XXXXXXXX XXXX XXXX XXXX  UCC-1-308 without prejudice

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 2025-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
An account was opened in my name apparently and is showing up on my credit report. Someone opened a Home Depot Citi Bank card on XX/XX/XXXX. There is a total of {$1500.00} charged to the card and possibly XXXX payment made of {$29.00} from what I can see on my credit report. I attempted to call CitiBank and could not get through to a human beause their system says that there is no record of a credit card under my SSN. When I spoke to XXXX, they said the account beginning XXXX digits belonged to a XXXX XXXX XXXX XXXXXXXX. I also tried to reach out to them via email today, XX/XX/XXXX, the same day that I realized this new account was showing on my credit report. XXXX XXXX XXXX XXXXXXXX had no idea what I was talking about and stated that they do not have Home Depot brand cards. I have frozen my accounts with all XXXX credit bureaus and disputed the entire account as of today, XX/XX/XXXX ( the day that I also found out about this ). CitiBank has no email listed that I can see on their website and I have yet to speak to a human being as I can not get through the automated service without a full account number or SSN attached to a card.

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 2025-03-12 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: PA

Complaint narrative:
I am filing a complaint against Experian, XXXX, Transunion and XXXX XXXX for inaccurately reporting an account from XXXX XXXX on my consumer credit report. This account contains multiple FCRA violations and I am requesting removal of this account from my credit report and investigation into their reporting practices. This account is in violation of FCRA 609 ( a ) ( 1 ) - Failure to provide verification, FCRA 623 ( a ) ( 1 ) Reporting inaccurate information, FCRA 623 ( a ) ( 3 ) Failure to correct inaccurate information, FDCPA 809 ( a ) debt validation notice requirement, FDCPA 807 ( 8 ) Prohibition of false credit reporting, FDCPA 808 ( 1 ) Unauthorized fees or charges. I have disputed this account several times only for it to be removed then added back to my account with different reporting dates, open dates and balance amounts.

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
TO WHOM It May Concern : This letter is regarding account XXXX XXXX  which you claim I owe {$430.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
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 a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request 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 within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 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. 
My contact information is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay. 
The accounts in question are : XXXXXXXX XXXX XXXX Account Number : XXXX ) XXXX ( Account Number : XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed are my prior letters to Equifax, Experian, and TransUnion, as well as my FTC Identity Theft Report ( Report Number : XXXX ), which serves as proof of the fraudulent nature of these accounts.

Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request.

15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information.

15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent.

Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay. 
The accounts in question are : XXXXXXXX XXXX XXXX Account Number : XXXX ) XXXX ( Account Number : XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed are my prior letters to Equifax, Experian, and TransUnion, as well as my FTC Identity Theft Report ( Report Number : XXXX ), which serves as proof of the fraudulent nature of these accounts.

Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request.

15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information.

15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent.

Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX, XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-03-12 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Please help me create a 6081 letter for civil liability for negligence and non compliance please delete immediately were it is a fair resolution to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : Southern Finance : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : Southern Finance : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: WI

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Due to XXXX XXXX and Doge having access to my personal information is a violation of my rights. I never gave them permission to have my information. I would like my loans dismissed. Please contact me within 15 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My personal information was exposed in a data breach thru XXXX. Any debt that may have been has been paid off and should not have be sold to 3rd parties. 
Undere Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681i ) i request an information and correction of the information. 
I would also like to see the 1099c form from the original creditor to prove this debt has been paid. These account are fraudulent and i would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report transaction ( XXXX ) that I have not made. It is the results of identity theft.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have reached out to these companies, requesting an update of my information. No action has been taken by them.

Company response to consumer: Closed with non-monetary relief