vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
To Whom It May Concern, Subject : I AM A VICTIM OF THE SECURITY BREACH AND AM REQUESTING ITEMS BE REMOVED FROM MY CREDIT REPORT BEFORE XX/XX/year>2025. 
I am writing to formally dispute inaccurate and potentially fraudulent information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This section requires credit reporting agencies to ensure that reinvestigations of disputed information are thorough and that written results are provided within the statutory timeframe.

Request to Unblock Credit Report Access I request that my credit report be unlocked so I can access and review it online.

Proof of Identity I have attached the following documents as proof of identity : Drivers License Social Security Card Per the documented proof of the data breach, an unfamiliar individual named XXXX XXXX XXXX appeared on my credit report. I have never seen or heard of this person. While you have removed their name, you have left all of the fraudulent activity they conducted on my report, forcing me to dispute it on my own. 
This is completely unacceptable. Your mishandling of my information is causing unnecessary stress and hardship. If this matter is not immediately corrected, I will be pursuing legal action for the misappropriation of information on my credit report. I expect a prompt resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have put several disputes on negative accounts that show up on my credit report. All of these accounts have been paid in full. The XXXX XXXX was paid in full in beginning of XX/XX/XXXX. The other cards were paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United PanAm Financial Corp.
State: NV

Complaint narrative:
This is a supplemental and final complaint - United Auto Credit Corporation ( UACC ) has violated multiple federal and state consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681s-2 ( a ) and ( b ) for failure to report accurate and timely credit information, FCRA 1681 ( a ) ( 5 ) ( C ) for prohibited reinsertion of previously deleted tradeline, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e and 1692f for deceptive and coercive collection practices, FDCPA 1692c ( b ) for unauthorized third-party disclosure by contacting my brother, who is not a cosigner or authorized contact, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ) for misrepresentation of contract terms and failure to disclose material facts, and the California Consumer Legal Remedies Act ( CLRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( a ) ( XXXX ) for misrepresentation of loan terms and failure to maintain reasonable business practices. These violations stem from UACCs failure to update my credit report for over XXXX months, resulting in the tradeline being deleted by all three major credit bureaus. XXXX also engaged in coercive debt collection by falsely claiming I had to disclose my vehicles location and improperly contacting my brother about my account. I have uploaded a detailed PDF complaint under the XXXX tab that provides additional legal citations, facts, and evidence. Please refer to the PDF for full context. I request immediate action to investigate UACCs violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
15 USC 6802 15USC 1681B 18 USC 1028A According to the fair credit reporting act ( FCRA ) section 605B it is illegal to report without my permission. Please remove this items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have credit card fraud and third-party consumers trying to collect from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
I do not recognize the addresses and I would like to have them removed from my credit report. 
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 2025-02-18 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:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiries have been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft.Dispute and remove following inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, 2024 XXXX XX/XX/XXXX XXXX XX/XX/scrub>, 2024 XXXXXX/XX/XXXX XX/XX/scrub> 2024 XXXX XXXX XXXX XXXX XXXX, 2024

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 2025-02-18 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name :XX/XX/XXXXXXXX - DATE OPENED XXXX/XXXX/2019

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 2025-02-18 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: IN

Complaint narrative:
I am disputing 8 late payments displaying 90+ days at the end of the auto loan on my XXXX XXXX XXXX XXXX XXXX account, reported on my credit reports. I have attempted to contact XXXX multiple times by phone, but their automated system states they have no record of my account and does not allow me to speak with a representative. 

XXXX : XXXX - XXXX 2022 XXXX : XXXX - XXXX 2022 *Please see 3-bureau credit report attached. 

I disputed these inaccurate late payments with XXXX, but they simply added a dispute notation and claimed XXXX confirmed them. This is unverifiable data. XXXX can not confirm an account they have no record of, and the Fair Credit Reporting Act ( FCRA ) requires that all reported data be accurate and verifiable ( 15 USC 1681 ). 

Since XXXX is failing to verify or even acknowledge my account exists, these late payments must be removed immediately as they are blocking my access to credit. I am unable to secure an auto lease because of these inaccurate late payments. Please investigate and force XXXX to either properly verify the data or delete it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IN

Complaint narrative:
I am disputing 8 late payments displaying 90+ days at the end of the auto loan on my XXXX XXXX XXXX XXXX XXXX account, reported on my credit reports. I have attempted to contact XXXX multiple times by phone, but their automated system states they have no record of my account and does not allow me to speak with a representative. 

XXXX : XXXX - XX/XX/year> TransUnion : XXXX - XX/XX/year> *Please see 3-bureau credit report attached. 

I disputed these inaccurate late payments with XXXX, but they simply added a dispute notation and claimed XXXX confirmed them. This is unverifiable data. XXXX can not confirm an account they have no record of, and the Fair Credit Reporting Act ( FCRA ) requires that all reported data be accurate and verifiable ( 15 USC 1681 ). 

Since XXXX is failing to verify or even acknowledge my account exists, these late payments must be removed immediately as they are blocking my access to credit. I am unable to secure an auto lease because of these inaccurate late payments. Please investigate and force XXXX to either properly verify the data or delete it. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: IN

Complaint narrative:
I am disputing 8 late payments displaying 90+ days at the end of the auto loan on my XXXX XXXX XXXX XXXX XXXX account, reported on my credit reports. I have attempted to contact XXXX multiple times by phone, but their automated system states they have no record of my account and does not allow me to speak with a representative. 

Experian : XXXX - XX/XX/year> XXXX : XXXX - XX/XX/year> *Please see 3-bureau credit report attached. 

I disputed these inaccurate late payments with Experian, but they simply added a dispute notation and claimed XXXX confirmed them. This is unverifiable data. XXXX can not confirm an account they have no record of, and the Fair Credit Reporting Act ( FCRA ) requires that all reported data be accurate and verifiable ( 15 USC 1681 ). 

Since XXXX is failing to verify or even acknowledge my account exists, these late payments must be removed immediately as they are blocking my access to credit. I am unable to secure an auto lease because of these inaccurate late payments. Please investigate and force XXXX to either properly verify the data or delete it. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Received a dept collection hit for a cable company bill. I have never used this cable company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I've made attempts to fix these issues directly with them and they just violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. I reached out to the companies they have 2 accounts balance {$4700.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and reporting twice on my credit report it needs to be deleted ASAP XXXX XXXXXXXX XXXX XXXX is also reporting twice on my credit file it needs to be deleted I have called and sent a lot of requests to creditor and credit bureau Account Name XXXX XXXX XXXX Account Number4913V3XXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> also the credit advised me that i have been a victim of the data breach and identify theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This company called me twice in XXXX days and left voice mails where they did not identify themselves but saying they were calling in reference to an " active order vlocation being processed against me. '' I called back and they informed of a debt for a Citibank card that I dont recall ever having. They said it was opened with an address in XXXX, NJ where I never lived. They offered me a settlement and when I requested documentation regarding the original debt, they sent me the settlement offer and said if I didn't agree they would turn my case over to the state of NJ and first I would have to go to court, but then they were going to garnish my wages. I told them all I wanted was documentation so I could verify that the debt was not mine, and they kept saying they were going to turn my case over to the state of NJ. The company calls themselves XXXX XXXX XXXX and the person who kept calling me is named XXXX XXXX of XXXX XXXX XXXX XXXX. Phone numbers he called from include XXXX or XXXX and a local number 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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FCDPA The company is NOT licensed to collect in my state and produced fake NY State licensing

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 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I cancelled my Best Buy/Citibank credit card during one of their abdominal robotic calls last week. I have tried repeatedly to contact them both, but their phone banks clearly don't want customers to reach them. Through a fluke I called a local Citibank branch ( they too are like Best Buy... all robots no people. She was very rude and said no one there could help me! I can not seem to find anyone at Best Buy or Citibank to confirm the cancellation in writing, WHICH IS REQUIRED BY LAW. I am furious and exasperated. I have stellar credit and I'll be damned if these two corporate thieves will ruin my life. Please help me. A simple official notification that this card is cancelled. I must have it! I am very concerned about my credit report due to their withholding the cancellation.

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 2025-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted TransUnion and XXXX regarding paid for deletion items on my report and I provided them with the letters that were requested and the items are still on my report. The company has also informed them of these items that are paid and should be deleted.

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 2025-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I reached out to PrepaidGiftBalance issued by U.S. Bank National Association at XXXX on the following dates : XX/XX/XXXX : I was advised to complete an online form to have the gift card reissued. 

XX/XX/XXXX : I called to check the status and was told the online form couldnt be found. The representative provided a fax number and requested a copy of the front/back of the gift card and a copy of my drivers license to be faxed to XXXX. 

XX/XX/XXXX : I called again for an update and was informed the information hadnt been received. I resent the documents. I called back and was told they had the gift card and drivers license but needed proof of address because my address didnt match what was on the form. I faxed the proof of address and was told I would receive the reissued gift card within a month. 

XX/XX/XXXX : I called to inform the company that I still hadn't received the reissued gift card and was told they had no records of me. I had spoken to a manager back in XXXX, and she confirmed everything was received. The manager was extremely rude when I asked why there was nothing on file when the previous manager confirmed receipt of everything. And informed him this would be my fourth time providing the requested information.

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 2025-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I only applied for XX/XX/XXXX onXXXX and XXXX XXXX XX/XX/year> everything else is fraud. I did not give permission or apply at those other institutions. Please remove. 
Also onXXXX someone tried to use my name to buy a car. i called XXXX XXXX XX/XX/XXXXlease which is on my report and they said they have no way to track and see who did it. 
I also have police reports and letter of breaches from several companies like my pharmacy and insurance co where my info was compromised.

I only had 2 inquires in the past 3 years.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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