vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my credit report and noticed after I called and disputed these inquiries, I notiice they are still on my credit report. Even after Equifax sent me a settlement check for my data being exposed thru thier data breach this company still failed to investigate if any of the companies listed in my FTC report had no permissible purpose to pull my credit report. The Fair Credit Reporting Act ( FCRA ) defines permissible purposes in Section 604. The FCRA protects consumers from the improper use of their credit information by limiting the use of consumer reports. I want all the companies listed below to be deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information appearing on my TransUnion credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my TransUnion credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX confirming the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA may result in further action, including the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities.

I request written confirmation that these accounts have been removed from my TransUnion credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you may contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ 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 explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
My information was exposed in a data breach across all three bureaus XXXX, XXXX, TransUnion. As a result I want to the information on all three deleted that is derogatory. All of my information was exposed. I haven't received payment yet or any financial compensation from XXXX or any other bureau. I want all derogatory items erroneous, etc removed within 30 days from all three bureaus.Credit reform act is supposed protect consumers information collected by the credit bureaus it did not.Section 605B FCRA, as a result 623 ( a ) ( 1 ) ( B ). I have disputed inaccuracies with all three bureaus.

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 2025-01-12 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: TX

Complaint narrative:
My information was exposed in a data breach across all three bureaus XXXX, Experian, XXXX. As a result I want to the information on all three deleted that is derogatory. All of my information was exposed. I haven't received payment yet or any financial compensation from XXXX or any other bureau. I want all derogatory items erroneous, etc removed within 30 days from all three bureaus.Credit reform act is supposed protect consumers information collected by the credit bureaus it did not.Section 605B FCRA, as a result 623 ( a ) ( 1 ) ( B ). I have disputed inaccuracies with all three bureaus.

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 2025-01-12 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: IL

Complaint narrative:
I hope you are doing well. I am writing to follow up on my recent complaint regarding inaccurate credit reporting, unauthorized charges, etc, which I submitted several times over the last few years with the most recent date being, XX/XX/year> As of today, I have not received an update on the status of my complaint. This is of great concern to me as this issue directly affects my credit score and overall financial well-being. I kindly request an update on my case 's progress and any actions taken to address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response so that we can work toward a resolution. 

Best regards,

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 2025-01-12 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: IL

Complaint narrative:
I hope you are doing well. I am writing to follow up on my recent complaint regarding inaccurate credit reporting, unauthorized charges, etc, which I submitted several times over the last few years with the most recent date being, XX/XX/year> As of today, I have not received an update on the status of my complaint. This is of great concern to me as this issue directly affects my credit score and overall financial well-being. I kindly request an update on my case 's progress and any actions taken to address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response so that we can work toward a resolution. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XX/XX/year> Capital One Attn : Credit Reporting Department Dear Capital One Credit Reporting Department, I am writing to formally dispute the late payments reported on my credit report associated with my Capital One credit card account ( Account Number : Platinum Mastercard card ending in XXXX ). I respectfully request that the late payments be removed, as I believe they were reported in violation of federal law, specifically 15 USC 1666b.

Under 15 USC 1666b, a creditor is prohibited from treating a payment on an open-end consumer credit account as late unless certain conditions are met. Specifically, the law requires that the creditor must mail the necessary information outlined in 15 USC 1637b to the consumer no later than 21 days before the payment due date.

If Capital One did not comply with this requirement by failing to send the required information within the 21-day period, then the late payments on my account are being reported in error, and I am entitled to request their removal under the provisions of the law.

Therefore, I respectfully request that Capital One review my account history and remove any and all late payment notations from my credit report related to this account. I ask that this request be completed in accordance with the requirements of the Fair Credit Reporting Act and other applicable federal laws.

Please provide me with written confirmation of the removal of these late payments once your investigation has been completed. If additional documentation is required from my side to assist in your investigation, kindly notify me as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
am writing to formally dispute and request the removal of an address that is inaccurately listed on my credit report. The address in question is : Address to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C.

1681i ], credit reporting agencies are required to ensure the accuracy of information included in consumer credit reports.

This address is no longer valid and is not associated with my current financial obligations or accounts. 
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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I sent the following letter to the creditor in response to their correspondence that was sent to my previous CFPB complaint with them. To this day, I have yet to receive a response to my letter. It is clear that they only reply once the CFPB is involved even when it violates the Fair Debt Collection Practices Act ( FDCPA ). 

Comenity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Response to Final Letter Regarding Zales Credit Card ( Account Ending in XXXX ) Dear XXXX XXXX XXXX I am writing in response to your letter dated XX/XX/XXXX, concerning my Zales Credit Card account . I appreciate your review of this matter, but there are several points that require clarification and further action. 

Clarification on Cease-and-Desist Request : My original correspondence included the statement : If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. This was not a request for a permanent cease-and-desist status. Kindly remove the fraudulent and unnecessary cease-and-desist designation applied to my account, as it was misinterpreted. 

Failure to Respond in Compliance with FDCPA : You claim to have responded to my original correspondence on XX/XX/XXXX. However, I never received this communication, and no evidence of this alleged response was provided in your reply to my CFPB complaint. The absence of a verifiable response violates the Fair Debt Collection Practices Act ( FDCPA ). Merely asserting a date does not constitute valid proof of compliance. 

Request for Documentation on Debt Sale : I request a complete set of documents concerning the sale of this debt to XXXX XXXX XXXX XXXX XXXX, including the purchase agreement, chain of title, and any other pertinent records. Please provide these materials to validate the sale and your subsequent actions. 

Lack of 1099-C Documentation : The creditor never issued a 1099-C form for the cancellation of this debt when it was charged off on XX/XX/XXXX. This omission raises concerns about the proper handling and reporting of this account. 

Final Opportunity to Resolve : In light of these violations, I am willing to offer one last opportunity to resolve this matter amicably. I request that you remove the account from my credit report. Failure to do so will leave me with no choice but to pursue legal action to address the violations outlined above.

I look forward to your prompt attention to this matter. Please respond in writing within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
This is for all XXXX credit bureaus XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX  - Collection XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX  - Collection XX/XX/XXXX Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2100.00} XX/XX/XXXX 0 % {$2100.00} {$2000.00} 1 Month XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : TXXXX XXXX XXXX XXXX  - XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$440.00} XX/XX/XXXX 0 % {$440.00} {$440.00} 1 Month XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
This is for all XXXX credit bureaus XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX - Collection XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX - Collection XX/XX/XXXX Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2100.00} XX/XX/XXXX 0 % {$2100.00} {$2000.00} 1 Month XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX  - XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$440.00} XX/XX/XXXX 0 % {$440.00} {$440.00} 1 Month 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 2025-01-12 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:
Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information appearing on my TransUnion credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my TransUnion credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : - [ XXXX XXXX  # XXXX - BANK OF XXXX XXXX XXXX XXXX BANK OF XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX - XXXX # XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX XXXX the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA XXXX result in further action, including the filing of a complaint with XXXX Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities. 
I request written confirmation that these accounts have been removed from my TransUnion credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you XXXX contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ 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 explanation
Consumer complaint received 2025-01-12 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:
Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information appearing on my TransUnion credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my TransUnion credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : - [ XXXX XXXX # XXXX - BANK OF XXXX XXXX XXXX XXXX BANK OF XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX XXXX the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA may result in further action, including the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities. 
I request written confirmation that these accounts have been removed from my TransUnion credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you XXXX contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ 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 explanation