vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
IC System, Inc. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Request Dispute of Account Information Account Number : XXXX Dear IC System , Inc., This letter serves as a formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) and is in response to the collection account associated with the above-referenced account number. 

Cease and Desist Communication : I am requesting that you immediately cease all communication with me regarding the alleged debt. This includes, but is not limited to, phone calls, emails, letters, or other forms of contact. 
Dispute of Account Information : I dispute the accuracy of the information you have reported to the credit reporting agencies. Specifically, the account reflects a past-due balance of {$760.00}, which is incorrect or unverifiable. Furthermore, as the original creditor is listed as XXXX XXXX XXXX XXXX, I request validation of the alleged debt, including : The signed agreement or contract with the original creditor. 
A full accounting of the alleged balance. 
Verification that you are authorized to collect on this account. 

Fair Credit Reporting Act ( FCRA ) Violation : Pursuant to 15 U.S.C. 1681s-2 ( b ), you are required to ensure that all information you furnish to credit reporting agencies is accurate and complete. Reporting unverifiable or incorrect information, such as an inaccurate balance or past-due status, violates federal law. 

Action Required : Provide written validation of the debt within XXXX days of receiving this letter. 
Immediately cease reporting the account to credit reporting agencies until the account is fully validated. 
Update any inaccurate or incomplete information you have furnished to the credit bureaus. 
If you fail to comply with this cease-and-desist request or continue to report unverifiable or inaccurate information, I will not hesitate to file complaints with the Federal Trade Commission ( FTC XXXX XXXX and my states Attorney General. Additionally, I reserve the right to pursue legal action for violations of the FDCPA and FCRA. 

You may contact me only in writing to confirm compliance with this cease-and-desist request or to provide the requested validation. 

Sincerely,

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-10 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed 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 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : Credence Resource Management with Account Number : XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

I visited the website and saw they represent XXXX XXXX XXXX XXXX. I had opened an internet account with XXXX XXXX XXXX but had never received the router, resulting for the account never being activated. I visited the XXXX & XXXX store in XXXX where the account was first opened and explained the issue to them, they called customer service with me, verified the issue, and the account was closed. This account should have never attained a balance as this was resolved in an appropriate and timely fashion. Please review the creditors ' records and offer the validity of this " debt. '' Finally, please remove all non-account holding inquiries over XXXX days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My information was exposed in a data breach.15 USC 1681 act to privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on the report inaccurate underc15. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about the report relates.

15 US. Code 1681 ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or canto be verified the consumer reporting agency shall ( 1 ) promptly delete the item of information, as appropriate .baaed on results of the reinvestigation and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report LNVM. 
)

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
Late payments are being reported on my credit.I have contact company to update inaccurate late payment on XX/XX/year> and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I have forwarded multiple correspondence requesting the immediate blocking and deletion of fraudulent accounts. I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX********** As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
On XX/XX/year>, I contacted XXXX XXXX to terminate my role as an authorized user of this account. I requested that my ECOA ( Equal Credit Opportunity Act ) status be updated to reflect this change as " T '' ( terminated ) and that the account balance be set to {$0.00} on my credit report. 
XXXX XXXX confirmed they were processing the update but have since failed to provide a written letter confirming this action. 
Despite my attempts to follow up, my credit report has not been updated accordingly, and the balance associated with this account still appears under my credit profile.

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 2025-01-10 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: FL

Complaint narrative:
On XX/XX/year>, I contacted XXXXXXXX XXXX to terminate my role as an authorized user of this account. I requested that my ECOA ( Equal Credit Opportunity Act ) status be updated to reflect this change as " T '' ( terminated ) and that the account balance be set to {$0.00} on my credit report. 
XXXXXXXX XXXX confirmed they were processing the update but have since failed to provide a written letter confirming this action. 
Despite my attempts to follow up, my credit report has not been updated accordingly, and the balance associated with this account still appears under my credit profile.

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 2025-01-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-10 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: NJ

Complaint narrative:
Im beyond frustrated after noticing an unauthorized inquiry on my credit report today. Refreshing my browser didnt fix it, confirming its a real issue. Please address this immediately by double-checking my documents so I can finally have peace of mind.

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 2025-01-10 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Account Number ( s ) and charge-off amount : XXXX in the amount of : {$370.00} XXXX in the amount of {$1300.00} XXXX in the amount of : {$1400.00} XXXX in the amount of : {$1700.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Affirm , INC with account number XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
Payment Never Late Account " XXXX XXXX '' is reporting inaccurate information for XX/XX/XXXX and XX/XX/XXXX, Payments are reflecting late on my Experian credit profile. This is inaccurate reporting I initiated a dispute with Experian on XX/XX/XXXX, via the online Experian Dispute Portal about the false late reporting. Although an " investigation '' was launched, Experian failed to perform a proper investigation. 
I asked Experian to please adjust the payment history to reflect current. I have never been late on this account or any account. 

Today XX/XX/XXXX Experian informed me via the online portal that the information was updated and that the investigation had been completed. But the only information that was updated was the balance. The inaccuracies remain on my credit file. 

Months XXXX XXXX XXXX and XX/XX/XXXX for Account XXXX, were NOT late.

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 2025-01-10 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: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other accounts. XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX  ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.

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 2025-01-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other accounts. XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.

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 2025-01-10 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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