vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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:
I am writing to formally dispute multiple inaccurate collection accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information contained within my credit file.

Upon reviewing my credit report, I have identified collection accounts that contain incorrect information, including but not limited to : Incorrect Social Security Number Inaccurate account details Unverified debt ownership Furthermore, my investigation has revealed that my personal information was exposed in multiple data breaches, putting me at increased risk of identity theft and fraudulent activity. Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I have the right to request the blocking and removal of any fraudulent or unverifiable accounts. As these accounts contain incorrect information and may be a result of identity theft, they must be immediately deleted from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ), I am requesting verification of these debts from the furnishers of information. If they fail to provide documented proof of validity, the accounts must be permanently removed.

Per the FCRA, you are required to investigate and respond to my dispute within 30 days. If these accounts are not verified with complete, accurate, and legally obtained documentation, they must be deleted. Failure to comply with these legal obligations may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

I have attached copies of my credit report highlighting the disputed accounts, a copy of my ID, and any supporting documentation related to the data breach and errors. Please confirm receipt of this dispute and provide me with an updated credit report reflecting the removal of these accounts.

I appreciate your prompt attention to this matter and expect a written response confirming the deletions within the required timeframe. Please send all correspondence to the address listed above. 

Remove from my credit report ASAP! This is extremely affecting my mental and 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 2025-02-03 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:
I am writing to formally dispute multiple inaccurate collection accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information contained within my credit file.

Upon reviewing my credit report, I have identified collection accounts that contain incorrect information, including but not limited to : Incorrect Social Security Number Inaccurate account details Unverified debt ownership Furthermore, my investigation has revealed that my personal information was exposed in multiple data breaches, putting me at increased risk of identity theft and fraudulent activity. Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I have the right to request the blocking and removal of any fraudulent or unverifiable accounts. As these accounts contain incorrect information and may be a result of identity theft, they must be immediately deleted from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ), I am requesting verification of these debts from the furnishers of information. If they fail to provide documented proof of validity, the accounts must be permanently removed.

Per the FCRA, you are required to investigate and respond to my dispute within 30 days. If these accounts are not verified with complete, accurate, and legally obtained documentation, they must be deleted. Failure to comply with these legal obligations may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

I have attached copies of my credit report highlighting the disputed accounts, a copy of my ID, and any supporting documentation related to the data breach and errors. Please confirm receipt of this dispute and provide me with an updated credit report reflecting the removal of these accounts.

I appreciate your prompt attention to this matter and expect a written response confirming the deletions within the required timeframe. Please send all correspondence to the address listed above. 

Remove from my credit report ASAP! This is extremely affecting my mental and 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 non-monetary relief
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit reports maintained by XXXX XXXX TransUnion XXXX and XXXX XXXX The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require credit reporting agencies to maintain accurate information and promptly correct errors. XXXX XXXX XXXX Inconsistencies Identified : 1. **Account Status** : - The account status is reported as **Indeterminate** across all three bureaus, leaving ambiguity that is unacceptable and violates FCRA 607.

2. **Payment Status** : - There is no payment history reported by TransUnion, while XXXX and XXXX show conflicting statuses. This lack of consistency not only violates FCRA requirements but also misrepresents my creditworthiness. 

3. **Last Reported Dates** : - The **last reported date** does not align with my records, creating further inaccuracies that compromise the integrity of my credit profile.

4. **General Reporting Issues** : - The overall lack of clarity and accuracy in reporting raises significant concerns about the reliability of the information provided by these bureaus.

I am also aware of the recent data breach that has compromised sensitive consumer data within these credit reporting agencies. Under U.S. Code 1030, organizations must implement adequate measures to protect consumer data. This breach further exacerbates my concerns about the accuracy and security of the information being reported. 

Given these violations, I demand the immediate removal of the XXXX XXXX account from my credit report. Failure to rectify these issues within the legally mandated time frame will compel me to pursue further legal actions, including seeking damages for the harm caused by these inaccuracies. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to this 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX ) I have disputed several times the two accounts that they purchased that are closed and charged off. They keep coming back as verified. I asked them to provide me the contract that I signed with them to legally obtain this debt. And that it needs to be removed. And they keep stating its verified I have no idea and or contract with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
XXXX - {$1900.00} disputed with all three credit bureaus due to age of account is older than XXXX old. XXXX and XXXX XXXX confirmed and removed the account. XXXX failed remove account after confirming date exceeded the XXXX time frame. 

XXXX Acceptance- {$6500.00} disputed with all three credit bureaus due to age of account is older than XXXX old. XXXX and XXXX XXXX confirmed and removed the account. XXXX failed remove account after confirming date exceeded the XXXX time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear CFPB Representative, I am escalating my complaint against XXXX XXXX XXXX and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding debt validation and dispute resolution. 
I requested debt validation from XXXX XXXX, and they refused to provide proof, claiming they do not have to send me proof. 
Experian continues to report the account despite this, stating there is nothing they can do. 
I have sent over six dispute letters, and Experian keeps sending automated responses instead of conducting a real investigation.

Violations of the FCRA : 1. Failure to Validate the Debt ( FCRA 609 & 611 ) If I dispute an account, the furnisher ( XXXX XXXX ) must provide verification. Refusing to send proof violates my rights under federal law. 
2. Failure to Conduct a Proper Investigation ( FCRA 611 ( a ) ) Experian can not simply send automated responses ; they must conduct a reasonable investigation and obtain validation from the creditor.

3. Failure to Remove Unverifiable Debt ( FCRA 611 ( a ) ( 5 ) ( A ) ) Since XXXX XXXX refuses to send proof, Experian must delete the account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable.

Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC.

o FTC Identity Theft Report Number : [ Insert Here ] 2. Notified the creditor ( LENDERS ) and initiated a fraud investigation.

3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable.

Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC.

o FTC Identity Theft Report Number : [ Insert Here ] 2. Notified the creditor ( LENDERS ) and initiated a fraud investigation.

3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XXXX XXXX I was having trouble paying on the date they provided because my dates of payment is bimonthly. Chase Bank refused to change the date, then when I started to make my payments the interest rate was 3 times the payment and then they ended up charging off my account of the {$10000.00}. I never received a 1099C and they still want payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX I applied for a pre qualification for a XXXX XXXX XXXX XXXX XXXX. Listed sale price on XXXX XXXX XXXX for {$12000.00}. I got approved through there in house financing only online through Westlake Financial for XXXX with a Down payment of {$3800.00}, for 36 months, with a APR 24.98 %, and monthly payments of {$370.00} a month. When I signed off on the deal, XX/XX/XXXX at dealership, it was supposed to been payments at XXXX and he took XXXX off the Down payment which is why my payments went from {$370.00} a month to XXXX. And I supposed to been only financing for {$9100.00}. That night of XX/XX/XXXX same day I brought car at XXXX I called explaining that the key didnt work. He said it just needed a battery which ended up being a lie. On Wed XXXX XXXX at XXXX, I texted the same number of the Agent who sold me the car. I asked him Hello how are you doing what's going on with the bank? And the numbers have changed and I was not notified. Explain to me please. Also what do Check hybrid Energy battery. Which was still under the 30day warranty.. I received no response. I started calling the dealer and also westlake. They told me I signed off on the contract and it was nothing I could do about it. I continuously kept asking how did I get approved for a car listed at XXXX with a down payment of XXXX to paying {$23000.00} for a XXXX used car. I still recieved no response so I didnt make the first 2 month payments. It started messing up my credit. So I started back making payments and cant drive the car. On XXXX XXXX I asked him about the hybrid battery energy and what that mean in dashboard. He told me I need to take it to a shop. I asked him why cant I bring it there, I make payments and I just bought the car. No response. I had to come out of pocket about XXXX plus more for a hybrid energy battery. As of XXXX XXXX I still am not able to drive my car due to false advertisement, falsely and unknowingly changed my contract, raised price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2025-02-03 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief