vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on My Credit Report ( Under 15 U.S. Code 1681o ) Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe to be inaccurate, as per my rights under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ). 

ITEM mentioned XXXX XXXXXXXX XXXX XXXXollection amount {$22000.00} Date opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The item mentioned above contains erroneous information, and I request that you investigate this matter and correct any inaccuracies. 
As required under 15 U.S. Code 1681i ( Section 611 of the FCRA ), I am requesting that you complete the investigation into this matter within 30 days and update my credit report accordingly. If this item is verified as inaccurate, I expect it to be removed or corrected immediately. 
Please send me a written confirmation of the results of your investigation once it has been completed. If the item is not updated or removed, please provide me with the details of your investigation and the reasoning for maintaining the item on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: DE

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 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 2025-04-03 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 am writing to formally dispute the validity and reporting accuracy of the following accounts on my credit report. Despite multiple disputes, these accounts continue to reappear as " verified '' without a proper reinvestigation or documentation. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 611. 

Accounts in Dispute : XXXX XXXX XXXX Balance {$14000.00} Opened XX/XX/XXXX This account was never authorized or initiated by me. I have requested documentation validating this debt and its origin multiple times. You have failed to provide it. Reporting a debt without validation is illegal and harmful to my credit. 
Unsecured Charge-off Account ( Reported as Profit and Loss Write-Off ) This account lists a last payment date of XX/XX/XXXX. Yet it is being inaccurately updated every month, which is illegal account re-aging. No supporting documentation has ever been produced, and this is damaging my credit standing unfairly. 
This letter is my final demand for you to either : Delete these accounts immediately, or Send a full, detailed investigation report with original signed contracts and complete payment history from the original creditor as required by law.

Under 15 U.S. Code 1681i, if you can not verify the accuracy of this information within 30 days, you are legally required to delete it. Any continued reporting without full validation is considered willful noncompliance, and I reserve the right to pursue legal remedies under Section 616 and 617 of the FCRA.

Please provide written confirmation of your investigation and the deletion of these inaccurate entries. This is your official notice.

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 2025-04-03 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
US DEPT OF THE TREAS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: ID Analytics, Inc.
State: CT

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This complaint is against community bank, victory secret credit card. This account was closed due to economic crisis and permanent injuries sustained in the line of duty as a law enforcement official. This account, though has a small balance {$290.00} was closed and placed in a customer assistance program of paying $ 10 monthly. As of XX/XX/XXXX the balance was {$230.00}. Comenity bank then changed the assistance program, stating they would not be honoring the agreement and would be charging interest and late fees. As I disputed this agreement, this balance in the customer assistance program/ hardship assistance was at {$230.00}. When I called comenity bank to make the $ 10 monthly payment as usual, they would not accept this payment of {$10.00} and demanded more, ignoring and breaching the customer assistance/ hardship program thats been in place since XX/XX/XXXX when the account was closed, again to economic and heartship issues and was entered into the hardship program, customer assistance program. This balance suddenly rose from {$230.00} in XX/XX/XXXX to {$400.00} in XX/XX/XXXX and now recently, showing a balance of {$450.00}. These charges, interest and fees jumped {$220.00} in just 5 months. This ridiculous, outrageous business practices of Comenity bank raised this balance over {$220.00} in just a few months, taking advantage of a heartship situation and imposing greed and more economic unethical practices on the consumers who become victims and banks like this are going unchecked and not being regulated by our government agencies. Im asking this account be dismissed. This fraudulent, false and misleading information is being reported to my credit report as fraudulent information and incorrect information deliberately to affect negatively on my credit report. This action by Comenity bank is illegal and unethical business practices pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ). Im asking the department of consumer affairs to hold this bank and its representatives accountable for such Fraudulent reporting and fraud per the Federal Laws that protect consumers like me against fraudulent reporting of such. I have tried numerous times to dispute this misleading, fraudulent and false credit reporting by this bank, Comenity bank, victory secret credit card with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-04-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF Items TO BE REMOVED XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX BALANCED {$680.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX. 
Account Type : Credit card debt Original Creditor : XXXX XXXX XXXX XXXX Current Balance : {$14000.00} Date of First Contact by Collector : Approx. XX/XX/XXXX Complaint : I am submitting this complaint regarding XXXX. XXXX XXXX XXXX XXXX XXXX, who are attempting to collect a debt originally owed to XXXX XXXX XXXX XXXX. I submitted a formal debt validation letter in XX/XX/XXXX, which included a full request for documentation as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 
My letter also clearly provided my updated mailing address, yet XXXX. XXXX XXXX XXXX has continued to send all correspondenceincluding documents containing sensitive personal and financial informationto my old address, where I do not reside. This poses a serious risk to my privacy and undermines my ability to respond in a timely manner. 
In response to my debt validation request, the company failed to provide several items required by law, including : -A copy of the original signed agreement or contract creating the debt -The date the debt became delinquent and date of last payment -A full itemization of interest, fees, or charges -Information on when the debt was acquired and from whom -A statement regarding the applicable statute of limitations -Proof of their debt collection license in the state of Texas I continue to dispute the debt and request no further collection activity until full validation is provided. I am requesting CFPB assistance in ensuring the collector complies with the law and updates their records to reflect my current address.

I am also open to resolving the matter if the collector can demonstrate a legal basis for the debt and is willing to discuss a fair settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want all inaccurate late payments on my credit report immediately removed using U.S. 15 USC 1666b, U.S. 15 USC 1681s-2, U.S. 15 USC 1681i , U.S. 1637 ( b ), also all collections using U.S. 12 CFR 1006.34C, U.S. 12 1006.6C , U.S. 15 CFR 1681e ( b ), U.S. 12 USC, U.S.15 USC 1681s-2 ( A ) , and all charge-offs utilizing U.S. 1099-C, U.S. 15 USC 1667b, U.S. 15 USC 1681s-2. Experian, XXXX, XXXX, AND MY FICO CREDIT SCORES CORRECTED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I want all inaccurate late payments on my credit report immediately removed using U.S. 15 USC 1666b, U.S. 15 USC 1681s-2, U.S. 15 USC 1681i , U.S. 1637 ( b ), also all collections using U.S. 12 CFR 1006.34C, U.S. 12 1006.6C , U.S. 15 CFR 1681e ( b ), U.S. 12 USC, U.S.15 USC 1681s-2 ( A ) , and all charge-offs utilizing U.S. 1099-C, U.S. 15 USC 1667b, U.S. 15 USC 1681s-2. XXXX, TRANSUNION, XXXX, AND MY FICO CREDIT SCORES CORRECTED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief