vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX, NY XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number XXXX XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

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 2025-02-10 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: NY

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 explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
Round XXXX : Initial Dispute Letter Accuracy & Verification Challenge XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under FCRA & FACTA Request for Deletion Dear Equifax, I am writing to dispute inaccurate information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The following accounts are inaccurate, unverifiable, and must be deleted immediately : [ List of Negative Accounts ] ( Include name of creditor, account number, and reason for dispute ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation. I demand that you provide the method of verification used to confirm these accounts. Additionally, I want the original contract containing my wet-ink signature, proving that I authorized these transactions. 

Furthermore, given the Equifax Data Breach ( XXXX XXXX. XXXX, Document XXXX, Filed XX/XX/XXXX ), millions of consumers personal information was compromised. This breach calls into question the validity of any account reporting under my name, as my identity may have been affected. You are legally required to ensure that all data associated with me is verified beyond doubt. 

If you can not verify the accounts within XXXX  days as required by law, I demand their permanent deletion under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in legal action, including a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil claims. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
They said that I have a 60 day late payment in XXXX, which is not true. Ive been paying my payments on time. I disputed it and I never got a response It was just ignored

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 2025-02-10 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:
They said that I have a 60 day late payment in XXXX, which is not true. Ive been paying my payments on time. I disputed it and I never got a response It was just ignored

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 2025-02-10 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: WI

Complaint narrative:
My personal information was exposed in an XXXX data breach. These accounts listed do not belong to me. 

XXXX XXXX XXXXXXXX XXXX Acct # XXXX, Bal- {$400.00}, Opened : XX/XX/XXXX Online Information XXXX Acct # : XXXX, Bal- {$4600.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXX, Bal- {$700.00}, Opened : XX/XX/XXXX XXXX & XXXX XXXX Acct # : XXXX XXXX XXXX {$230.00}, Opened : XX/XX/XXXXXXXX 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company 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 2025-02-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Portfolio Recovery, I am writing to formally request validation of a debt that Portfolio Recovery Associates LLC claims I owe. I believe this debt is erroneous, and I want to ensure my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Debt : - Creditor : Portfolio Recovery Associates LLC - Account Number : XXXX I am requesting the following information to validate this debt : XXXX. The total amount of the debt, including a breakdown of any fees or interest applied. 
XXXX. Documentation showing that Portfolio Recovery Associates LLC has the legal right to collect this debt, including a copy of any contract or agreement that connects me to your company. 
XXXX. Any records of communications regarding this debt, including the date of the last payment made on the account. 

Please be advised that I have the right to dispute this debt until it has been validated, and I request that all collection activities cease until I receive the requested information. If you can not provide the necessary documentation to validate this debt, I expect that you will remove any related negative information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX I went to JcPenney and while checking out, the cashier asked if I wanted to apply for a credit card. I specifically asked if it would be a hard inquiry or soft inquiry but I did not get a response and she ran my information without my knowledge. I did not receive any paperwork or a denial or approval for the credit card. After not receiving anything in the mail, I returned to JcPenney and asked for a brochure outlining the terms and conditions of their store credit and I was given a brochure in Spanish. I do not speak Spanish and did not understand what I was given. I reviewed my credit report and it shows as a hard inquiry. I want them to correct this inquiry by removing it from my report as I was not made aware that it would impact my credit score.

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 2025-02-10 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SS # : XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Dear Equifax Consumer Services Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Inaccurate Accounts XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within XXXX ( XXXX ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NV

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When reviewing my credit report this morning, I was shocked to find an unauthorized inquiry that I never approved. I always check my report carefully, and this was completely unexpected. Hoping it was a mistake, I refreshed my browser, but the issue persisted. This is incredibly frustrating, and I demand an urgent resolution. Please go over the documents I submitted carefully to ensure this issue is addressed once and for all.

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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to request that certain information be removed from my credit reports maintained by your bureau, due to the breach of my personal data. As provided under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681, I ask that the following items be deleted from my records : Personal Information : I request that all personal information be removed from my report except for my full legal name : XXXX XXXX. 

Late Payments : Please remove the XXXX late payment entries associated with my XXXX  XXXX account ( Account Number : XXXX ). 

Authorized User Account : Please remove the XXXX account as an authorized user ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX XXXX Account : Please remove the XXXX  XXXX account ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX XXXX  XXXX Account : Please remove the XXXX XXXX XXXXXXXX account ( Account Number : XXXX  ). 

XXXX XXXX  Account : Please remove the XXXX XXXX  account ( Account Number : XXXX ). 

XXXX XXXX Account : Please remove the XXXX XXXX  account ( Account Number : XXXX ). 

XXXX XXXX  Account : Please remove the XXXX XXXX  account ( Account Number : XXXX  ). 

Inquiries : Please remove all inquiries from my credit report across all three bureaus ( Experian, TransUnion, and Equifax ). 

These items are included in my reports as a result of a data breach, and I am requesting their immediate removal in accordance with my rights under the FCRA. I ask that you please update my records to reflect the corrections outlined above. 

Please inform me of any additional documentation or steps that may be required to process this request. I appreciate your timely attention to this matter and request confirmation that the updates have been made to my credit file. 

Thank you for your cooperation. 

Sincerely, 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 2025-02-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to request that certain information be removed from my credit reports maintained by your bureau, due to the breach of my personal data. As provided under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681, I ask that the following items be deleted from my records : Personal Information : I request that all personal information be removed from my report except for my full legal name : XXXX XXXX. 

Late Payments : Please remove the XXXX late payment entries associated with my XXXX  XXXX account ( Account Number : XXXX ). 

Authorized User Account : Please remove the XXXX account as an authorized user ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX XXXX Account : Please remove the XXXX  XXXX account ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX XXXX  XXXX Account : Please remove the XXXX XXXX XXXXXXXX account ( Account Number : XXXX  ). 

XXXX XXXX  Account : Please remove the XXXX XXXX  account ( Account Number : XXXX ). 

XXXX XXXX Account : Please remove the XXXX XXXX  account ( Account Number : XXXX ). 

XXXX XXXX  Account : Please remove the XXXX XXXX  account ( Account Number : XXXX  ). 

Inquiries : Please remove all inquiries from my credit report across all three bureaus ( Experian, TransUnion, and Equifax ). 

These items are included in my reports as a result of a data breach, and I am requesting their immediate removal in accordance with my rights under the FCRA. I ask that you please update my records to reflect the corrections outlined above. 

Please inform me of any additional documentation or steps that may be required to process this request. I appreciate your timely attention to this matter and request confirmation that the updates have been made to my credit file. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-10 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have been contacted constantly and threatened with legal actions for an account I have no knowledge of. I was contacted by phone, credit report, mail and email. Call and email occurred on XX/XX/year> by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation