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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed XXXX XXXX has reported my credit card account as delinquent through each credit bureau. The months/years it was reported delinquent are XX/XX/year> and XX/XX/year>. However, this information is inaccurate, as I am a victim of identity theft and fraudulent transactions were made to my existing XXXX XXXX credit card to cause this delinquency. The company has been informed of this and were provided sufficient documentation to include a credit card fraud affidavit and FTC Identity Theft report, proving there was fraudulent activity on the credit card account at or around the time delinquencies were reported to the 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: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
Dates N/A Amount XXXX Actions reported to credit bureau about the inaccurate information and it's still on credit report

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Type : Incorrect Information on Credit Report Details of the Complaint : I am filing this complaint because Experian has refused to remove outdated and irrelevant addresses from my credit report, despite multiple requests. My current address is : XXXX XXXX XXXX XXXX, XXXX, MS XXXX The following outdated addresses that no longer belong to me remain on my credit report : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX These addresses are no longer accurate or relevant, and their inclusion violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy in credit reports. Outdated and irrelevant addresses violate this standard. 
Section 611 : As a consumer, I have the right to dispute inaccurate or irrelevant information on my credit report. Experian is required to investigate my dispute and delete unverifiable or outdated information within 30 days of receiving my request. 
Section 605 ( a ) : Obsolete information, including irrelevant addresses, must not remain on my credit report if it serves no legitimate purpose. 

Additionally, I am a victim of a data breach, which increases my risk of identity theft and fraudulent activity. Leaving outdated addresses on my credit report exacerbates this risk and fails to provide the necessary protections to ensure accurate and up-to-date reporting. 

I have made several prior attempts to contact Experian, requesting that these outdated addresses be removed. Each time, my requests have been ignored or denied, despite the fact that the information is irrelevant to my credit profile. This refusal to correct errors on my credit report has caused unnecessary frustration and could potentially lead to financial harm.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting two bankruptcies on my credit file. I have reported these bankruptcies multiple times as invalid, inaccurate and a mistake that should not be on my credit report. Experian has claimed multiple times they've investigated the reported information and found them to be accurate. On XX/XX/year>, I sent a letter to Experian challenging their dispute results and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Experian did not provide this information and it has now been 30 days.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Experian for failing to properly investigate and remove fraudulent items from my credit report. Despite providing Experian with detailed and accurate documentation proving the fraudulent nature of these accounts, Experian has repeatedly claimed that the reporting is accurate without conducting a thorough investigation. This lack of due diligence is unacceptable and has caused me significant financial hardship. 

I have made multiple attempts to resolve this issue by submitting proper documentation, including [ FTC identity theft reports, proof of address ]. These documents clearly demonstrate that the accounts in question do not belong to me and are the result of fraudulent activity. However, Experian has failed to take appropriate action and continues to report these items inaccurately. 

The impact of Experians negligence has been devastating. The inclusion of these fraudulent accounts on my credit report has resulted in [ denial of credit, higher interest rates, or inability to secure housing ]. This ongoing damage to my creditworthiness has caused me undue stress and financial strain. 

As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Experians failure to properly investigate and address my dispute constitutes a violation of these rights. If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect myself from further harm. The damage caused by Experians inaction has already been significant, and I am prepared to take all necessary steps to hold Experian accountable. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure Experian fulfills its obligation to investigate and rectify these inaccuracies. I am seeking the immediate removal of the fraudulent items from my credit report and a confirmation of this correction in writing.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: KY

Complaint narrative:
{$1000.00} first credit services I have no knowledge of this account I try to reach out to them to advise my information was exposed in a credit breach no response. I have never did business with this company or opened an account

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I noticed that my credit report had an obscene amount of inquiries on it. XXXX inquiries to be exact. I did not initiate any of these inquiries and per 15 U.S. Code 1681b Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Attached are the screen shots of the inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells fargo closed my savings account. I live in XXXX. Money not received, trying since XX/XX/2023.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ProCollect , Inc . 

Subject : Formal Request for Lease Agreement Documentation To Whom It May Concern, I am writing to formally request a copy of the signed leasing contract or any other documentation showing my agreement to lease an apartment related to the account you are attempting to collect. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ).

Your continued reporting of this account as a collection without sufficient proof of a valid debt is causing harm to my credit standing. Under 559.72 ( 9 ) of the FCCPA, it is prohibited to assert a debt that is not legitimate. If no lease agreement or relevant documentation exists, I demand that this matter be resolved immediately, and the reporting to credit agencies cease. 
Failure to comply with this request or continued reporting of an unverified debt will leave me no choice but to pursue legal action to protect my rights. Such action may include filing complaints with the Florida Office of Financial Regulation, the Consumer Financial Protection Bureau ( CFPB ), and/or initiating a civil lawsuit for damages caused by false credit reporting.

Please provide the requested documentation within 30 days from the date of this letter. I trust that you will treat this matter with the urgency and seriousness it deserves. You may send the requested documents to my address listed above. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
The choices available do not exactly match my dispute, however I chose the closest options. The debt collectors attempted to re-file a debt that was placed on my credit report XXXX  years ago. The {$940.00} XXXX XXXX debt is XXXX years old. Instead of removing the debt after XXXX years which is mandated, they re-filed it as a new debt XXXX  month old. The initial debt did not have any impact on my credit report because of the age of the debt. Because the debt appears to have been placed a month ago, it now negatively impacts my credit report. This company was deceitful, shady and underhanded and screwed up my credit score by entering a fraudulent date and time for my charges. Please assist me in enforcing this debt collector to remove this erroneous information immediately from my report. Thank you for your prompt attention to this matter.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW715.719 PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR ANY SUCH DEBT IN FACT EXISTS. PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  PLEASE REMOVE THESE INQUIRIES XXXX  XXXX XXXX, XXXX CARD

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX And Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Pre- Arbitration demand notice Amount ; XXXX XXXX XXXX I am writing to you as a consumer who has been wronged by the actions of XXXX and Sequium Asset Solutions LLC . I believe that XXXX and Sequium Asset Solutions LLC have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, which has caused significant harm and damages to me.

15 USC 1692C ( c ) that states that debt collectors must stop contacting a consumer if the consumer asks them to in writing. Which was done on XX/XX/year>. I have continue to get emails which I am entitled to receive XXXX per violation the sum of 4 emails. 

I allege that XXXX and Sequium Asset Solutions LLC have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer financial harm and emotional distress. Moreover, they have failed to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 
I have also been made aware that the underlying contract contains a binding arbitration agreement, which requires disputes to be resolved through arbitration rather than litigation. I intend to enforce this agreement and pursue arbitration in accordance with the terms of the contract and applicable law. 
Based on the above, I demand the sum of {$5000.00} in compensation for the harm and damages suffered as a result of XXXX and Sequium Asset Solutions LLC wrongful conduct. 
I urge you to take swift action to resolve this matter, as I believe that it is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. 
Thank you for your attention to this matter, and I look forward to your prompt response. Please be aware 10 days from the date of this letter if resolution had not been agreed upon based on this dispute a case will be filed with XXXX arbitration. 

RESPECTFULLY SUBMITTED XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA

Complaint narrative:
Deposits : {$4600.00} Payments to Creditors : {$1700.00} Settlement Fee : {$1500.00} Global  Holdings Fee : {$180.00} XXXX  Fee : {$1100.00} Bal : {$0.00} Global Holdings LLC also goes by XXXX did not pay my creditors as XXXX still shows them listed on my credit report. They never mentioned a XXXX Fee membership fee of {$210.00} on any documents or recorded phone agreements. They also withdrew money from my bank without my knowledge when we had made a written agreement that they can only withdraw {$100.00} because I lost my job but they overdrafted my account and withdrew over {$600.00} until I cancelled them and blocked them from ACH withdrawals. I deposited {$4600.00} and they did not use my money to pay off any settlements. They took advantage of me because I didn't know how to settle my own debts. Before going thru them I was paying everything on time but they missed all the payments and defaulted on all my creditors which I didn't know was their tactic so now my credit score is very low.

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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-12 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation