vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AZ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I identified multiple inaccuracies in my credit report and formally disputed them with Experian, demanding immediate correction. These inaccuracies include : Misreported Late Payments : I requested that several accounts, such as those with First Premier, XXXX XXXX XXXX XXXX XXXX, and others, be updated to reflect accurate payment statusespaid as agreed, never late. These disputes are based on 15 U.S.C. 1681a ( 2 ) ( i ), which outlines exclusions for certain transactions in consumer reporting. 

Validation of Debts : For accounts like XXXX XXXX XXXXXXXX XXXX, and others, I requested validation of alleged debts under 15 U.S.C. 1692g, which mandates debt collectors to verify the legitimacy of debts upon request. I demanded original documentation, including signed agreements, and cited relevant case law such as Wenger v. Trans Union Corp., to highlight potential liabilities for willful non-compliance. 

Unauthorized Hard Inquiries : I disputed several hard inquiries, including those by XXXX XXXX XXXX and XXXXXXXX XXXX  citing 15 U.S.C. 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports. 

Inaccurate Personal Information : I identified incorrect addresses listed in my credit report and demanded their removal. 

I emphasized that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian must investigate disputes and correct inaccuracies within 30 days. Failure to comply could result in liability under 15 U.S.C. 1681n and 1681o, which impose penalties for willful or negligent violations. I also referenced legal precedents like Richardson v. Fleet Bank and Cushman v. Trans Union Corp. to underline the legal obligation for thorough investigations.

Lastly, I made clear that failure to resolve these issues promptly would lead to further actions, including complaints to regulatory agencies and potential legal remedies.

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 2025-01-10 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Heres a suggested response to submit on the CFPB portal regarding TransUnions handling of your dispute : Subject : TransUnions Failure to Properly Investigate and Address Disputed Charge-Off Complaint : I am filing this complaint against TransUnion for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) regarding the removal of a fraudulent charge-off from my credit report. Despite providing all necessary documentation and following the proper process, TransUnion failed to investigate the dispute thoroughly and instead forwarded the matter to the creditor without reviewing the evidence I submitted. 

Key issues include : XXXX. Inconsistent and Misleading Communication : Each representative and supervisor I spoke to provided conflicting information about the status of my dispute and the required documentation. 
XXXX. Failure to Investigate : TransUnion failed to properly investigate the fraudulent charge-off and instead passed responsibility to the creditor. 
XXXX. Violation of Consumer Rights : As a credit bureau, TransUnion is required to conduct its own investigation and ensure accurate reporting, which they failed to do. 

The documentation I provided included all requested evidence, yet TransUnion claimed the documents were incomplete. They then sent a generic affidavit, despite my compliance with prior instructions. This demonstrates a lack of diligence and disregard for their legal responsibility to protect consumers. 

I am requesting the CFPB to intervene and hold TransUnion accountable for failing to fulfill its obligations under the FCRA, and for its negligence in resolving this matter. I also demand the immediate removal of the fraudulent charge-off from my credit report. 
Fraudulent paycheck stubs attached were used to open this loan without my consent or knowledge with income that does not belong to me making this loan and charge off account voided and unforceable Feel free to modify or expand this based on additional details or specific requests youd like to include.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> Ameris Bank credit card withdrew from my bank account {$2400.00} as monthly payment. My automatic payment amount is set for {$1000.00} every month. I never authorized Ameris Bank credit card to withdraw more than & XXXX from my bank account

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 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This medical debt was wrongly put on my account when I was fully insured. Also this same debt was put on my account more then XXXX time. This account was for the yr 2022

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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portolio Recovery Associates filed a lawsuit against me for a debt that I do not owe them. I currently have a credit freeze on my account due to unauthorized credit card application showing on my credit report. On or around XX/XX/year>, I sent a debt validation letter to Portfolio recover associated requesting the following information : What services do I owe you for? 
* Explain and show me how you calculated the debt. 
* Identify the original creditor * Provide the original contract with my wet ink signature showing that I agreed to pay you. 
*The payment history with original creditor * Provide proof of debt assignment * How and when did your company purchase and be assigned to this debt. 
* Prove the Statute of Limitations has not expired on this account. 
* Show me that you are licensed to collect in the state of Texas. 
* Provide me with your license numbers and registered agent or agent of service. 
* Has there been any insurance claim found on this debt? 
* I want to see a chain of title that you have to collect on this debt. 
* Has an attorney reviewed this account? 

To this date, Portfolio Recovery Associates only responded to XXXX of these requests for information. I have yet to receive proof that I owe this debt via a signed contract showing my signature for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of XXXX year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required XXXX period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding 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 2025-01-10 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX My actual and only address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: MO

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 2025-01-10 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: NY

Complaint narrative:
I request that [ EXPERIAN ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to 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 2025-01-10 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: FL

Complaint narrative:
This letter serves as an aggressive
notice to demand compliance
under the Fair Credit Reporting Act
(FCRA) 605(b). You have failed to
investigate and remove inaccurate
information regarding accounts
that I never opened, despite prior
disputes and 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 2025-01-10 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: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
These Inquiries listed are unauthorized and fraudulent, as I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2025-01-10 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: EQUIFAX, INC.
State: GA

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. 


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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
Request for Debt Validation Dear jefferson capital LLC am writing in this letter XXXX XX/XX/year> which asserts that I owe a debt of {$1200.00} I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request that you provide the following information : XXXX. The full name and address of the original creditor. XXXX. A detailed statement showing the amount of the debt, including any interest, fees, and charges that have been added. XXXX. A copy of the original agreement or contract that legally obligates me to pay the debt, including any signed documentation. XXXX. Any judgments or court decisions related to this debt. XXXX. A verification of the date the debt was incurred. Until this debt is validated, I request that you cease all collection activities, as required by law. Please note that any further communication or attempt to collect this debt without validating it will be considered a violation of the FDCPA. If you are unable to provide the requested documentation, I request that you cease all collection efforts and remove any negative information related to this alleged debt from my credit report. I look forward to your prompt response, and I expect to receive the validation materials within 30 days, as outlined by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAND HOME FINANCIAL SERVICES
State: OH

Complaint narrative:
I was contacted by my homeowners insurance stating they had not received payment for insurance from Land Hone Financial ( XXXX XXXX, CA ) after multiple calls ( from myself and XXXX ) without a response and finally a call stating a lawyer would be notified the company replied. 

I want to make you aware of the following information because I believe there is a larger issue within the company. In all the years I lived in my home I never had this issue until the mortgage was sold to this company. The communication is horrible and they have antiquated technology. 

I believe there needs to be an audit of their compliance program. This shouldve never happened. 

I live in Ohio and Im required to have insurance. After they finally paid XXXX I realized that XXXX cant be the only person who experienced this. I could have lost insurance coverage.

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 2025-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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