vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: WI

Complaint narrative:
I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts : XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XXXX To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy. 
If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX : XX/XX/year> Enclosures : FTC, ID, Proof of Address, SSC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
After total loss of my vehicle under loan Capital one had requested from me in XXXX  to provide my insurance XXXX XXXX  report that I was waiting on from my insurance company. capital one XXXX  emailed me a gap information form that would cover 100 % of my total loss of the vehicle. After receiving an email from Capital one requesting me to fill out forms ( gap insurance ) i then emailed back my paperwork that Capital one XXXX had requested from me. 
I explained to them in the email after filling out all the paperwork and emailed it back that if they needed anything else further to please let me know and I would get them that information. 
After I had submitted capital one this information capital one released my free and clear title to my car to my insurance company which my insurance company then had mailed to me free XXXX clear XXXX lean on my title. I had then been stuck with the vehicle by my insurance company and capital one since I had a free and clear title I hauled it to the junkyard because it was inoperable all on my dime. To my surprise a couple years afterwards capital one had then sent me multiple letters saying that I owed them the remainder of my car loan of around {$6700.00}. I have Contacted capital one and spoke to multiple agents. They can not give me any answers as to how this had happened. Now capital one after all these years still continues to cause me XXXX XXXX  Due to a decrease in my XXXX XXXX making it very difficult on me. Im very confused how capital one can ask me for my gap information for me to fill out all of my gap paperwork for me to email it back along with my XXXX XXXX  then send me back a free and clear title only to turn around and say that I owe them {$6700.00}. I believe its too late to Pursue my gap insurance that was supposed to pay 100 % of any loss Since the timeframe has Lapsed. Capital one auto XXXX  Has somehow been able to repeatedly falsify information to all XXXX  credit bureau reporting agencies Reflecting as a negative XXXX dead in the credit bureau. Im not sure how auto finance can Do this since it was on them To submit my gap insurance information as they had requested, which is exactly what I did how was this my fault and how do I owe {$6700.00} on a vehicle that I have a title, free and clear to that was nothing but junk. 
I have all of the emails and correspondence to back up exactly as Ive stated. Please help, thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of a written-off account associated with my name from my credit report. This account ( XXXX ) was reported as written off and is having a detrimental impact on my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. The account in question is not only damaging my credit score but also does not accurately reflect my credit history. I believe that there are valid grounds for disputing this account, as it may not comply with the standards set forth under the FCRA. 

Furthermore, I wish to bring to your attention the civil liability provisions outlined in 15 U.S.C. 1681o, which establishes liability for failure to comply with the FCRA. If this account is indeed inaccurate or unverifiable, I am entitled to have it removed from my credit report without any adverse consequences. 

I kindly request that you investigate this matter at your earliest convenience. If you find that this account can not be verified or is indeed inaccurate, I expect it to be removed promptly. 

Please confirm receipt of this letter and provide me with an update regarding the status of my request. I appreciate your attention to this matter and look forward to resolving it in a timely manner. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-10 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am a victim of the recent data breach please remove and block these accounts due to the recent data breach

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 2025-03-10 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:
I have found late payment remarks that are completely inaccurate and do not reflect my actual payment history. These errors are not only misleading but also unfairly lower my creditworthiness, making it difficult for me to access financial opportunities that I rightfully deserve. 

Some of these late payment marks appear on accounts where payments were made on time, while others may have resulted from reporting inconsistencies or clerical errors. Additionally, if the reported late payments can not be backed by verifiable documentation with clear proof of delinquency, they should not remain on my report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be fully accurate, verifiable, and free of misleading data. 

To resolve this issue, I request that all inaccurate late payment remarks be corrected and updated to reflect an accurate payment history. If the reporting companies are unable to provide solid documentation proving the legitimacy of these late payments, they must be promptly removed from my report. I expect immediate corrective action to ensure my credit file accurately represents my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to reasonably reinvestigate disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Equifax, TransUnion and Experian 's failure to conduct proper investigations. The CFPB alleges that the companies engaged in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA. 
I hereby request the following : 1. All companies remove charge-off accounts from XXXX under XXXX under code 15 U.S.C Code 1635. 
2. Equifax removed the XX/XX/XXXX account a second time, as this was disputed recently because it was removed from all credit reports in XXXX after a complaint was filed with the NC Attorney General. It was not on my report in XXXX but recently reappeared on Equifax claiming payment was made and needs to be updated, when speaking with an operator for XX/XX/XXXX they advised the account is closed and not in collections. 
3. Delete any information that can not be verified, as mandated by law Given the recent CFPB findings, I expect that all the bureaus will handle these situations with the utmost seriousness and compliance with legal standards.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to reasonably reinvestigate disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Equifax, TransUnion and Experian 's failure to conduct proper investigations. The CFPB alleges that the companies engaged in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA. 
I hereby request the following : 1. All companies remove charge-off accounts from XXXX under XXXX under code 15 U.S.C Code 1635. 
2. Equifax removed the XX/XX/XXXX account a second time, as this was disputed recently because it was removed from all credit reports in XXXX after a complaint was filed with the NC Attorney General. It was not on my report in XXXX but recently reappeared on Equifax claiming payment was made and needs to be updated, when speaking with an operator for XX/XX/XXXX they advised the account is closed and not in collections. 
3. Delete any information that can not be verified, as mandated by law Given the recent CFPB findings, I expect that all the bureaus will handle these situations with the utmost seriousness and compliance with legal standards.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I request equifax to provide proof and method of verification of all account under Law USC 15 1681 i ( a ) ( 6 ) ( b ) ( iii ) which they have not. I tried disputing online with no possible access. Upon speaking to an agent over the phone they were unable to process my dispute due to computer issues. I would like this removed from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson capital systems XXXX in XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Has contacted me many times, for this and 15 usc 1692c clearly states that, If a consumer notifies a debt collector that the consumer refused to pay in debt, the debt collector must cease all communication. They have constantly called and have no information that I owe them any money nor do I have any accounts with them nor have I signed anything stating that I have to pay nor owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
These are the old names and addresses i wish to be remove i wrote certified letters to EQUIFAX ON XX/XX/XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) NO RESPONDS ) (, EXPERIAN ON XX/XX/XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) NO REPONDS & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and NO RESPONDS!!! NAMES-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX NY XXXX INQUIRIES XXXX XXXXXXXX, XXXX XXXX  XXXX, ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX THEY ARE REPORTING A LATE PAYMENT I ASKED THEM FOR 15 USC 1666b TIMING OF PAYMENT & 15 USC 1637a i got NO RESPONDS NO NOTICE IN THE MAIL 21 DAY BEFORE THE PAYMENT DUE DATE NOT ANYTHING ( XXXX # XXXX REPORTING DATE XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
These are the old names and addresses i wish to be remove i wrote certified letters to EQUIFAX ON XX/XX/XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) NO RESPONDS ) (, EXPERIAN ON XX/XX/XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) NO REPONDS & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and NO RESPONDS!!! NAMES-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX NY XXXX INQUIRIES XXXX XXXXXXXX, XXXX XXXX  XXXX, ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX THEY ARE REPORTING A LATE PAYMENT I ASKED THEM FOR 15 USC 1666b TIMING OF PAYMENT & 15 USC 1637a i got NO RESPONDS NO NOTICE IN THE MAIL 21 DAY BEFORE THE PAYMENT DUE DATE NOT ANYTHING ( XXXX # XXXX REPORTING DATE XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I received a copy of my credit report and noticed that your company PORTFOLIO RECOVERY in the amount of {$1900.00} is practicing ABUSIVE, DECEPTIVE, and UNFAIR debt collection practices pursuant to 15 USC 1692. Now, before you try responding that you are not a debt collector here is exactly the reason you are. Pursuant to 15 USC 1692 ( 6 ) : The term debt collector means ANY person who uses ANY instrumentality of interstate commerce or the mails in ANY business the principal purpose of which is the collection of ANY DEBT, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due. I have never given your company my written consent to communicate with ANY consumer reporting agency nor ANY 3rd party regarding an alleged debt. I am a natural person and I refuse this debt. 
I DEMAND that you stop ALL illegal negative activity and stop ALL illegal reporting of this activity along with the removal of the inquiry tide to the reporting of this account until you provide me VALIDATION pursuant to 15 USC 1692g ( a ) 1-5 and an AUDIT TRAIL. 
You have 15 days from the date of delivery to provide me with the requested documentation. Failure to do so will be taken as evidence that the infringement was willful. I will require your company to zero out the balance you state that I owe and permanently remove the account from ALL consumer reporting agencies and ALL third parties. 

I reached out to you several times via certified mail and each time my mail was returned. 

FAILURE TO HONOR MY REQUEST WITHIN THE TIMEFRAME REQUESTED LITIGATION WILL BE BOUGHT UPON YOU!!!

Company response to consumer: Closed with explanation