vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: CT

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-06 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 XXXXXXXX XXXX CA XXXX ( XXXX ) XXXX | XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **RE : Identity Theft Request to Block Fraudulent Inquiries ( FCRA 605B ) ** **Last 4 Digits of SSN** : XXXX To Whom It May Concern : I am writing to formally notify you that I am a victim of identity theft. The following fraudulent hard inquiries on my TransUnion credit report **were not authorized by me and do not relate to any transactions I initiated** : 1. **Creditor** : XXXX XXXX - **Date of Inquiry** : XX/XX/XXXX - **Account Number** : XXXX XXXX. **Creditor** : XXXX XXXX - **Date of Inquiry** : XX/XX/XXXXXXXX  XXXX. **Creditor** : XXXX XXXX - **Date of Inquiry** : XX/XX/XXXX XXXX. **Creditor** : XXXX  - **Date of Inquiry** : XX/XX/XXXX **Under Section 605B of the Fair Credit Reporting Act ( FCRA ) **, I request that TransUnion : - **Immediately block** these fraudulent inquiries from my credit report. 
- **Notify all furnishers** ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) of the fraudulent activity. 

**Enclosed**, you will find the following documentation : - A copy of my TransUnion credit report with fraudulent inquiries **circled**. 
- My **Identity Theft Report** ( FTC affidavit filed at [ IdentityTheft.gov ] ( https : //www.identitytheft.gov ) ). 
- **Proof of Identity** : Copy of my government-issued ID and partial SSN ( last 4 digits : 6290 ). 
- A copy of **FCRA Section 605B** for reference. 

Per the FCRA, TransUnion is required to block this fraudulent information **within four ( 4 ) business days** of receiving this request. Please confirm in writing once the items are removed and furnishers are notified. 

**Contact me immediately** with any questions : - **Phone** : ( XXXX ) XXXX - **Email** : XXXX Sincerely, XXXX XXXX XXXX XXXX : - Identity Theft Report - Proof of Identity ( ID + SSN last 4 digits ) - Copy of TransUnion Credit Report ( fraudulent items marked ) - FCRA Section 605B

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 2025-04-06 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: DC

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

XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: GA

Complaint narrative:
XX/XX/year>XXXX  I was sent a collection letter from National Enterprise Systems that stated they were authorized to settle an account in full on or before XX/XX/year>. The letter then stated they are not obligated to renew the offer. They also sent a letter XX/XX/year>XXXX  with the same wording of authorization to settle an account in full or for something less. Both amounts were {$16000.00} and {$5900.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide a written notice ( often called a " validation notice '' ) that includes your right to dispute the debt. If they fail to do so, they are in violation of 809 ( a ) of the FDCPA ( 15 U.S.C. 1692g ). 

Key FDCPA Violation : Failure to Provide Validation Notice The FDCPA 809 ( a ) mandates that within 5 days of initial communication, the collector must send a notice stating : 1. The amount of the debt.
2. The name of the creditor.

3. A statement that you have 30 days to dispute the debt ( or it will be assumed valid ).

4. A statement that if you dispute the debt in writing within 30 days, the collector must provide verification.

5. A statement that upon your request, the collector will provide the original creditors name and address ( if different ).

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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I received a letter by mail from Linebarger Goggan Blair & Sampson , LLP today stating that they are a debt collector collecting a debt that I owe to the Florida Department of Transportation. It also states that it will use ANY information that I give them to collect the debt. The supposed debt I owe is ONLY {$43.00} But it does NOT state what type of debt that it involves. This is the reference number : XXXX and this is the client code : XXXX if this so-called " debt '' I owe involves a car I use to drive, which is a XXXX XXXX XXXX XXXX  I sold that car over a year or 2 years ago because I was NOT able to afford for the car insurance that keeps going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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.

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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regional acceptance simply repossessed and sold my car for XXXX $ on XXXX XXXX. However, they stated that they can not remove this information from my credit report since the car is no longer mine and i still have a balance. Yet, They are reporting 2 different things on my credit report such as charged off fixed rate and on another report Profit loss and write off. Thats 2 different information on 2 different credit reports.

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 2025-04-05 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: GA

Complaint narrative:
Equifax Data Breach..

Experian & Equifax are being sued by CFPB for not properly investigating. In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), the company DID NOT REPLY WITH the method of verification used to determine the accuracy of the disputed item as requested. The name, address, and contact information of the entity that provided the information they used to verify the account. A description of the procedures used to verify the accuracy and completeness of the disputed account. All documentation they have on file retrieved during their investigation. Who did they interview regarding the aforementioned account? Signed Contract with my original signature? Additionally, I must note that the creditor ( Upgrade ), & ALL 3 bureaus failed to investigate the dispute by the consumer as required under FCRA 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. Should you fail to provide the requested information, correct the violation, or remove the account, I am prepared to take further action to protect my rights under the FCRA. Please DELETE from my credit report for not being INACCURATE, not XXXX  %. Upgrade company HAS NOT produced any documentation or proof of the alleged debt. Please delete from my credit A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! XXXX XXXX Account XXXX : XXXX Please remove from my credit report.

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 2025-04-05 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: GA

Complaint narrative:
Equifax Data Breach..

Experian & Equifax are being sued by CFPB for not properly investigating. In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), the company DID NOT REPLY WITH the method of verification used to determine the accuracy of the disputed item as requested. The name, address, and contact information of the entity that provided the information they used to verify the account. A description of the procedures used to verify the accuracy and completeness of the disputed account. All documentation they have on file retrieved during their investigation. Who did they interview regarding the aforementioned account? Signed Contract with my original signature? Additionally, I must note that the creditor ( Upgrade ), & ALL 3 bureaus failed to investigate the dispute by the consumer as required under FCRA 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. Should you fail to provide the requested information, correct the violation, or remove the account, I am prepared to take further action to protect my rights under the FCRA. Please DELETE from my credit report for not being INACCURATE, not XXXX  %. Upgrade company HAS NOT produced any documentation or proof of the alleged debt. Please delete from my credit A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! XXXX XXXX Account XXXX : XXXX Please remove from my credit report.

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 2025-04-05 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: CA

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their reporting of the Delinquency First Reported date on a specific tradeline in my credit report belonging to XXXX XXXX XXXX XXXX, as required by the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ). This section mandates that credit reporting agencies, such as Equifax, ensure the accuracy of the information they report, including making timely updates to reflect accurate balances. Specifically, the issue pertains to my account with XXXX XXXX XXXX XXXX. Despite multiple requests to correct this inaccuracy, Equifax has repeatedly reported inconsistent and incorrect dates, impacting my credit score and financial reputation. The Fair Credit Reporting Act ( FCRA ) mandates that all information in my credit report must be accurate, and by changing this date inaccurately, Equifax is failing to comply with this standard. These repeated changes to the " Delinquency First Reported '' date appear to be both erroneous and misleading, resulting in continued harm to my creditworthiness. I respectfully request that the CFPB take immediate action to investigate this matter and require Equifax to promptly correct the inaccurate information or delete it from my credit report. Additionally, I ask that the CFPB ensure that appropriate enforcement actions are taken against Equifax for their non-compliance with the FCRA. Please keep me informed of the progress and outcome of your investigation into this matter. I am prepared to provide any additional information or documentation that may assist in resolving this issue. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
The following collections are reporting a debt for a collection that is inaccurate : XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These following accounts have violated my rights. 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I would also need the removal of these inquiries listed below immediately as I were not aware of these either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have left my report I have filed with identity theft along with a handwritten letter saying this attached with my id confirming my identity and address.

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 2025-04-05 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: NJ

Complaint narrative:
The following collections are reporting a debt for a collection that is inaccurate : XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These following accounts have violated my rights. 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I would also need the removal of these inquiries listed below immediately as I were not aware of these either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have left my report I have filed with identity theft along with a handwritten letter saying this attached with my id confirming my identity and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
To whom it may concern : Timeline of events. 

1. Some items were purchased on my credit card on XX/XX/year>XXXX  from XXXX. 

2. I was unaware of these items being purchased, so I contacted my credit card issuer to report fraud shortly after. 

3. Around XX/XX/XXXX, I realized that the items were not fraud, so I contacted my bank to cancel the fraud investigation. 

4. The items that were purchased from XXXX were returned without any problems. XXXX refunded me ; however, my credit card company has not finalized the refund for two out of three transactions. 

5. It has been over 90 days, and I still have not been refunded. I made sure that there were no loose ends with XXXX. I confirmed with XXXX that they accepted the refunds and sent the money back to my credit card company. They provided me reference codes that they refunded the credit card company. 

6. Today is XX/XX/year>, and my credit card issuer has not been transparent, nor have they provided me any updates. 

7. I am frustrated with my credit card company because the transactions are still there accruing interest. 

8. I dont know what else to do. I have been transparent with all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear XXXX XXXX XXXX I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. Please consider this letter a formal request for the following : Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 
Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 
Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 


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 explanation