vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification. 





2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.

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 2025-01-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above account that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above account that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian Attn : Consumer Relations/Dispute Department Subject : Request for Resolution of Improper Reporting and Disclosure Practices Dear Experian Representative : I am writing to address several concerns regarding the way Experian may be handling and reporting my personal and financial information. Specifically, I believe certain actions may conflict with The Privacy Act of 1974 ( 5 U.S.C. 552a ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 6802 ). 
1. Unauthorized Disclosure of Transaction Details The Privacy Act of 1974 limits the sharing of private data without explicit consumer consent. I am concerned that my transaction history may be disclosed without the proper legal basis or my written approval. 
2. Reporting of Charge-Offs as Certificates of Indebtedness When financial institutions designate an account as a charge-off, it can be treated as a Certificate of Indebtedness, which may be regarded as income for tax reporting purposes ( e.g., via Form 1099-C ). If Experian is disseminating information related to these charge-offs in a manner that misrepresents my financial situation, it could violate my rights under the FCRA. 
3. Potential Violations of FCRA and GLBA FCRA ( 15 U.S.C. 1681 et seq. ) : Consumer reporting agencies must ensure the accuracy, fairness, and privacy of personal information in consumer reports. I ask Experian to review its practices to ensure my information is being handled in compliance with these guidelines. 
GLBA ( 15 U.S.C. 6802 ) : This law restricts the unauthorized disclosure of nonpublic personal information. If my dataincluding transaction history or other sensitive detailshas been released without my permission, it may infringe upon GLBA provisions.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MO

Complaint narrative:
Acting in good faith when submitting applications for services. 
My applications were denied, going against 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 explanation
Consumer complaint received 2025-01-14 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I XXXX XXXX spoke with target agency to make an agreement to pay off debt to be removed from credit report. Its paid off and it hasnt been removed from my credit report as agreed. Kindly dispute/remove from my credit report as for its been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX DEAR Experian, Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian the credit reporting agency , block and remove 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. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I reviewed my Consumer Reports and notice I had a late payment on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXXXXXX : XXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-01-14 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: FL

Complaint narrative:
I am writing for XXXX time to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) 2 Times regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer, as mandated by law.TransUnion On XX/XX/year>, I noticed that XXXX XXXX  Account # XXXX was reinserted into my credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinserting previously deleted information : ( i ) Certification of accuracy of information : The FCRA mandates that any information deleted from a consumer 's file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX XXXX regarding the accuracy of the reinserted information. ( i ) Notice to consumer : Furthermore, the FCRA stipulates that if any information deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion. I did not receive any written notification from TransUnion regarding the reinsertion XXXX XXXX  account number XXXX my credit report. In addition to the written notice, the FCRA requires the consumer reporting agency to provide certain information to the consumer within 5 business days of the reinsertion, including a statement that the disputed information has been reinserted, the business name and address of any furnisher of information contacted, and a notice that the consumer has the right to add a statement disputing the accuracy or completeness of the disputed information. None of this information was provided to me by TransUnion. It is evident that TransUnion has failed to comply with the FCRA Section 611 ( B ) requirements regarding the reinsertion of previously deleted material into my credit report. This violation has caused significant inconvenience and potential harm to my credit profile. Therefore I kindly request that TransUnion promptly rectifies this violation by removing the reinserted from my credit report and ensuring strict adherence to the FCRA guidelines in the future. Please acknowledge receipt of this letter and provide me with confirmation of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to a timely resolution. Sincerely, 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 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/year> Amount : {$2300.00} Action Steps Taken : 1. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the collection I asked for clarification on the reason for the collection and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the loan including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding loan collection under state laws to ensure proper procedure
s were followed by the lender.

5. Followed Up : I followed up with the lender on XXXX to confirm receipt of my request and to seek updates regarding the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I recently discovered several fraudulent accounts on my credit report, which I did not authorize or apply for. These accounts have no merit and are the result of identity theft. 
They include : A XXXX XXXX XXXX XXXX loan with a balance of {$34000.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$9900.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$1400.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$260.00}. 
Another XXXX XXXX credit card ending in XXXX, with a balance of {$420.00}. 
A XXXX XXXX XXXX XXXX XXXX with a balance of {$33000.00}. 
A XXXX XXXX XXXX credit card ending in XXXX, with a balance of {$320.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$3200.00}. 
Despite my repeated efforts to resolve this issue, including filing an FTC Identity Theft Report and disputing these accounts directly with the creditors and credit reporting agencies, the fraudulent accounts remain on my credit report. 

I have reported Transunion to the Office of the Attorney General ( OAG ), the XXXX  Department of Financial Protection and Innovation ( DFPI ), and the Federal Trade Commission ( FTC ) for failing to address the harm being done to me under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that fraudulent accounts must be promptly investigated and removed. I request immediate action to have all these fraudulent accounts permanently removed from my credit report. Additionally, I ask that the companies involved comply with their legal obligations under the FCRA to resolve this matter swiftly and ensure no further harm is done to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a few disputes on my account that I dont authorize I reach out to XXXX to remove it or investigate but I dont hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: WI

Complaint narrative:
I have submitted over XXXX disputes to XXXX on behalf of accounts which I identified as fraudulent on my credit report. I have submitted a FTC report and dispute letter along with identification to XXXX with no response. The first dispute XXXX verified these accounts to be correct I then submitted another dispute requesting for documentation or inquired how did XXXX verify. I have contacted the company in which was connected to XXXXXXXX XXXX XXXXXXXX and I was notified that they had no information in regards to this item being sent to collections or can provide me any documentation in which was used to report to my credit file. I then submitted this information to XXXX and my dispute has been " under investigation '' for over 45 days which legally exceeds tremendous time to verify and investigate based on the FCRA and 15 USC 1681 by law. XXXX must immediately delete these accounts of XXXX XXXX XXXX and XXXX resource management from my credit report as they have failed to investigate in a timely manner. These items are effecting my ability to obtain housing, employment and stability for not only myself but my wife and children. This has caused a major hurdle in my life as I did not obtain these accounts or signed no such contract with either company. I am asking that you investigate and assist me in getting this matter handled as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: U.S. BANCORP
State: WI

Complaint narrative:
My credit report indicates Elan Financial accepted a credit application on XX/XX/year> and extended credit on my behalf, but I do not have documentation of the application. I called to get record of the credit application, but was told by XXXX in card member services that they could not provide this document. XXXX offered to transfer me to underwriting and I accepted. After waiting for 30 minutes, I hung up and called back two or three more times. Each time, the line disconnected.

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