vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-08 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXXXXXX XXXX - Balance : {$5500.00} - Account # : XXXXXXXX XXXX XXXXXXXX - Balance : {$12000.00} - Account # : XXXX XXXX XXXX  - Balance : {$2000.00} - Account # : XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX - XXXX - Balance : {$680.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed some accounts with TransUnion, Equifax, and Experian. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) ( iii ), they are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description according to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ). 

In the results of your first, second, and third investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section XXXX ( XXXX ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. ''

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 2025-04-08 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: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX XXXX XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This account does not belong to me and I have made it known to the company, as well as the bureaus and the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account does not belong to me and I have made it known to the company, as well as the bureaus and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
I am filing this complaint because the XXXX account ( Partial Account XXXX. XXXX ), which was previously removed from my credit report after a dispute, was later reinserted without any notice or certification of accuracy a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) and ( iii ). The law requires that if an account is deleted due to a dispute, it can not be reinserted unless it is certified as accurate and I am notified in writing within XXXX business days. I received no such notice, no documents, and no explanation. This unauthorized reinsertion is not just a minor error its a serious breach of my rights that has caused credit damage, emotional distress, and unnecessary financial harm. It also constitutes willful noncompliance under 15 U.S.C. 1681n, making the agency liable for statutory and punitive damages. I am demanding immediate deletion of this reinserted WFBNA account and a full reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ). If a reinvestigation has already been done, I want proof of who verified the account, when and how they were contacted, what was discussed, which staff handled it, what training they had, and all supporting documents exchanged. This kind of handling would be unacceptable to anyone and I will not allow it to go unchallenged.

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 2025-04-08 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: NC

Complaint narrative:
I did not authorize this hard inquiry and have no knowledge of any application for credit with this company. I believe this may be the result of identity theft or fraud. Please remove this inquiry from my credit report and investigate accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX. I received a physical letter in the mail with a promotional offer from XXXX XXXX XXXX XXXX XXXX Bank in XX/XX/year>. I applied before the deadline for their advertised {$200.00} cash back reward. Within XXXX days, I made the purchase of over {$1000.00} to qualify for the {$200.00} reward. The {$200.00} reward was not given. This is false advertising as I met all the conditions and applied accordingly at their website/accept and even called the XXXX # to verify my prescreened offer. See my original offer letter attached. 

XXXX. I made a purchase of {$2900.00} to XXXX on XX/XX/year>. The XXXX transactions yielded an additional XXXX XXXX reward. This additional {$29.00} was not given as advertised. See my redline transaction from their website with date and their original offer in my email. 

XXXX. I authorized a new buyer and was not given the {$20.00} after they made the minimum {$100.00} purchase by deadline. See their offer in email attached. 

This company should not be allowed to deceive consumers with rewards they will not honor. This is deceptive advertising and fraud. Consumers have choices and could have applied and used other cards instead of this false advertising for rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
After I disputed the medical collection with XXXX, they denied my dispute without providing documentation to prove the debt is accurate or belongs to me. I requested validation under the Fair Credit Reporting Act ( FCRA ), including the method of verification, but I never received any supporting documents or explanation. 

This collection is for a {$500.00} medical bill from Credit Management Company, allegedly on behalf of XXXX XXXX XXXX. I have no record of this bill, and no itemized statement or proof of services was provided. 

I believe this account is inaccurate, unverifiable, and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$350.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-04-08 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: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute your handling of the investigation into accounts I previously challenged on my credit report. I believe you did not conduct a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ). Furthermore, recent actions taken by the Consumer Financial Protection Bureau ( CFPB ), including their legal action against your company, reinforce concerns about insufficient investigations into disputed items.

Specifically, the accounts I disputed remain on my credit report despite containing false or unverifiable information. You failed to provide sufficient proof of validation for these accounts, which leads me to believe your investigation did not meet the standards required by law.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If the investigation fails to verify the disputed information, the law mandates its deletion. 

I am requesting immediate action on this matter. 

Please provide detailed documentation of your investigation, including but not limited to : Debt validation letters provided by the creditors or collection agencies.

Copies of original contracts or agreements with my wet signature.

Any additional information or evidence you relied upon during your investigation.

A copy of the 1099 that was issued, if applicable.

If you are unable to provide these materials or validate the accuracy of the disputed accounts, I request that you remove these items from my credit report promptly. 

Under federal law, you are required to conduct a thorough and proper investigation. Failure to do so will result in my taking further action, including filing additional complaints with the CFPB and considering legal remedies. 

Please provide a written response to this letter and your investigation findings within the legally required timeframe of 30 days from the date of receipt, in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX **Credit Bureau Name** ( Equifax, XXXX, XXXX ) Dispute Department **Subject : Formal Dispute & Demand for Immediate Correction or Deletion of Inaccurate Information** To Whom It May Concern, Under my rights granted by the **Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) **, I am formally disputing the following inaccurate, incomplete, or unverified accounts listed on my credit report. The information reported by ** [ Debt Collector/Creditor Name ] ** is **erroneous** and must be **corrected or deleted immediately**. 

# # # **Disputed Accounts** XXXX. XXXX XXXX XXXX Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX COLLECTION/CHARGE OFF Auto loans XXXX. XXXX XXXX XXXX Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX COLLECTION/CHARGE OFF Auto Loans {>= $1,000,000} **Legal Demands : ** - **Investigation Required : ** Per FCRA 611, you are obligated to conduct a **reasonable investigation** within **30 days** and provide me with written results.

- **Verification or Deletion : ** If the disputed information ** can not be verified**, it must be **permanently deleted** from my credit file. 
- **Notification of Corrections : ** If changes are made, you must notify me in writing and provide an **updated credit report**. 
- **Creditor Notification : ** If the disputed information is modified or removed, you must also notify the furnisher ( debt collector ) of the change. 

**Enclosed Documentation : ** - Copy of my government-issued ID ( e.g., drivers license ) - Proof of address ( e.g., utility bill ) - [ Payment receipts/ Settlement letters/ FTC Identity Theft Report / Police report/ etc. ] **Failure to comply with FCRA regulations may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 616 ( willful noncompliance ) or 617 ( negligent noncompliance ). ** I expect prompt resolution of this matter. Send confirmation of receipt of this dispute and your findings **no later than 30 days from the date of this letter**. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc
State: PA

Complaint narrative:
I was involved in a car accident and the insurance company the other driver had showed me a copy of iso claim history, there were several errors and information that was over XXXX XXXX XXXX on it. I then filled out a request on line with Versik and just got back a report that only had my auto claim from this accident on it, I then sent a certified letter to Verisk detailing the information that I received from XXXX XXXX and and that it contained several errors and I demanded my report. I then got an email with a link to create an account and told I would have {$15.00} for my report. However the link is for legal professionals only. I emailed them back again demanding my iso claim report, but never heard back

Company response to consumer: Closed with explanation