vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; 1 am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your re and a cony or such deetionregest sha ba sent o me mmedae y moved from my credht

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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 2025-03-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/year> RE : Pending Litigation Pursuing Relief and XXXX Damages under FCRA Sections 1681n, 1681o, and 1692k for Non-Compliance ATTN : Credit Dispute Department This is my final attempt to reach an agreement before initiating legal proceedings, in response to your continued violation of the Fair Credit Reporting Act ( FCRA ) due to your refusal to remove unverified information from my credit report. 
I am making this final offer of settlement prior to legal action in an effort to resolve the FCRA violation where you have failed to remove the UNVERIFIED items mentioned below. If these items are not promptly deleted, I intend to take legal action under FCRA Section 616 and Section 617 to seek redress and recover any applicable monetary damages. Despite my several written requests, the unverified items listed below persist on my credit report, contravening Federal Law. 
According to the FCRA, you are obligated to have the original creditors ' documentation on file to authenticate the accuracy of this information. I am left questioning : Who verified this information? 
You have not furnished me with any original documentation ( a consumer contract bearing my signature ), as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not provided the necessary method of verification as mandated by Section 611 ( a ) ( 7 ). 
Therefore, I hereby served this Notice of Pre-Litigation/Pre-arbitration to request that your agency takes immediate action to comply. 
Inaccurate/Inconsistent Accounts : PLEASE DELETE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have made diligent efforts to communicate with your agency, sending several dispute letters in the past to rectify the inaccuracies on my credit report. Unfortunately, your agency has neglected to conduct a thorough investigation and has not provided any meaningful response or action to address these issues.Please be aware that FCRA XXXXtion 611 ( 5 ) ( A ) specify that you are obligated to " promptly DELETE all information which can not be verified. '' and According to the provisions outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) inaccurate information must be removed. The legal implications and remedies available to me ( Section 616 & 617 ) in case of your failure to comply with federal law are clearly defined. 
As a consumer prepared to take legal action, I am decided in pursuing litigation to assert my FCRA rights in this matter. 
Your cooperation and prompt attention are required by law. 
XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2025-03-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/year> RE : Pending Litigation Pursuing Relief and XXXX Damages under FCRA Sections 1681n, 1681o, and 1692k for Non-Compliance ATTN : Credit Dispute Department This is my final attempt to reach an agreement before initiating legal proceedings, in response to your continued violation of the Fair Credit Reporting Act ( FCRA ) due to your refusal to remove unverified information from my credit report. 
I am making this final offer of settlement prior to legal action in an effort to resolve the FCRA violation where you have failed to remove the UNVERIFIED items mentioned below. If these items are not promptly deleted, I intend to take legal action under FCRA Section 616 and Section 617 to seek redress and recover any applicable monetary damages. Despite my several written requests, the unverified items listed below persist on my credit report, contravening Federal Law. 
According to the FCRA, you are obligated to have the original creditors ' documentation on file to authenticate the accuracy of this information. I am left questioning : Who verified this information? 
You have not furnished me with any original documentation ( a consumer contract bearing my signature ), as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not provided the necessary method of verification as mandated by Section 611 ( a ) ( 7 ). 
Therefore, I hereby served this Notice of Pre-Litigation/Pre-arbitration to request that your agency takes immediate action to comply. 
Inaccurate/Inconsistent Accounts : PLEASE DELETE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have made diligent efforts to communicate with your agency, sending several dispute letters in the past to rectify the inaccuracies on my credit report. Unfortunately, your agency has neglected to conduct a thorough investigation and has not provided any meaningful response or action to address these issues.Please be aware that FCRA XXXXtion 611 ( 5 ) ( A ) specify that you are obligated to " promptly DELETE all information which can not be verified. '' and According to the provisions outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) inaccurate information must be removed. The legal implications and remedies available to me ( Section 616 & 617 ) in case of your failure to comply with federal law are clearly defined. 
As a consumer prepared to take legal action, I am decided in pursuing litigation to assert my FCRA rights in this matter. 
Your cooperation and prompt attention are required by law. 
XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
Multiple calls everyday to personal phone and to employer. Made threats on getting payment. Would not give information on who the company was or the amount of the debit. Says they can call every day 24 hours a day as many times as they want. Threatened legal action without giving any information.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Personal Information ( TransUnion ) Name : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-21 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 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 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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding my account with TD Bank. I have requested the original signed contract and the complete chain of title for the debt they are attempting to collect. However, TD Bank has only provided me with account statements, which do not serve as adequate proof of the debt or the banks legal right to collect it.

Under the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ), I am entitled to receive proper validation of the debt, including the original signed contract and the complete chain of title. Account statements alone do not meet the legal requirement to validate a debt, and TD Banks failure to provide the requested documentation violates these regulations.

Furthermore, TD Bank has claimed that I breached the contract. However, without the original contract, I can not ascertain the terms of the agreement and can not know what specific terms have been allegedly breached. It is therefore impossible for me to properly respond or resolve any dispute if they fail to provide the contract and supporting documentation. 

I am requesting that CFPB investigate this matter and assist me in ensuring that TD Bank complies with consumer protection laws by providing the necessary documents to validate the debt. If they continue to fail to provide the original signed contract and chain of title, I demand that they cease and desist all collection activities until they comply with my legal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

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 2025-03-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX  XXXX ( Multiple Accounts ) - Account Numbers : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - XXXX : {$53000.00} XXXX. XXXX XXXX XXXX. 
XXXX. US DEPT OF EDXXXX Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX  XXXX ( Multiple Accounts ) - Account Numbers : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - XXXX : {$53000.00} XXXX. XXXX XXXX XXXX. 
XXXX. US DEPT OF EDXXXX Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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 explanation
Consumer complaint received 2025-03-21 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Dear Nordstrom/TD Bank USA , I am writing to formally request the removal of account # XXXX from my credit report. This account has been settled, as evidenced by the filing of a 1099-C Cancellation of Debt form. Since the debt has been canceled and reported to the IRS, this account should no longer appear as an outstanding debt on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be updated and removed from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) immediately. 

Please confirm in writing once the necessary updates have been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am reaching out to express my frustration over the inaccuracies on my report that are negatively impacting my scores. These errors have created unnecessary financial barriers and have limited my ability to access opportunities that I rightfully deserve. It is unacceptable to be penalized for mistakes that are beyond my control.

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 2025-03-21 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: LA

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