vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
XXXX XXXX Experian member ID # XXXX XXXX Via XXXX XXXX XXXX XXXX Ca, XXXX XXXX To : Experian Headquarters XXXX XXXX XXXX XXXX XXXX, Ca XXXX : Dispute of Charge-Off on Credit Report Dear Experian Headquarters ( after many incompetent actions this is my last attempt before seeking compensation ) I am writing to formally dispute the charge-off listed on my credit report for the account with XXXX XXXX XXXX account XXXX XXXX XXXX its closed showing no balance, save yourself a lawsuit since you choose to ignore my legitimate Fruad claims and remove all closed accounts ) This dispute is based on several factors : 1. Data Breach Impact : My personal information was compromised during the UCV 3-604 data breach. As a result, I believe this charge-off may be inaccurate or improperly handled due to unauthorized activity stemming from the breach. I request that you investigate this matter thoroughly. 

2. Failure to Provide Form 1099-C : The creditor, XXXX XXXX XXXX discharged my debt without notifying me or issuing a Form 1099-C as required under IRS guidelines for debts of {$600.00} or more. This omission violates reporting obligations and leaves the status of the debt unclear. 

3. Discharge Without Proper Notice : Under UCC 3-604, creditors must follow proper procedures when discharging debts, including providing written notice or documentation of cancellation. XXXX XXXX XXXX failed to adhere to these requirements, further invalidating the charge-off entry. 

I request that you investigate this matter and remove the charge-off from my credit report if it is found to be inaccurate or unverifiable. Enclosed are supporting documents, including evidence of the data breach and correspondence with the creditor regarding the missing Form 1099-C.

Please notify me in writing of your findings within 30 days as required by the Fair Credit Reporting Act ( FCRA ). If additional documentation is needed, feel free to contact me at ( XXXX ) XXXX or XXXX Experian blatant disregard for my legal rights is beyond the point I am done writing letters and well be seeking compensation!! 

Thank you for your 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate. 

XXXX XXXX XXXX XXXX XXXX. XXXX owed {$3200.00}. Date Reported XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Balance owed {$280.00}. Date Reported XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX. Balance owed {$150.00}. Date reported XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$880.00}

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXXDate : Thursday, XXXX XXXX All Collection Company List on this Letter Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to notices received regarding alleged debts listed below. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am exercising my right to request validation for each debt. 

Please provide the following information for each listed account : XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$190.00} ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$320.00} ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : Paid, Closed ) XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$360.00} ) XXXX ( Opened : XX/XX/XXXX, Balance : Paid, Closed ) XXXXXXXX ( Opened : XX/XX/XXXX, Balance : Paid, Closed ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : Paid, Closed ) XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$1500.00} ) XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$4500.00} ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Balance : {$2800.00} ) XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1400.00} ) For each account listed, please provide : Detailed documentation verifying that I owe the debt. 

The total amount owed, including fees and interest.

Original creditors name and contact information.

Proof of your authorization to collect this debt.

Verification that the statute of limitations has not expired.

Please cease all collection activities until validation is provided. Failure to comply may result in formal complaints to regulatory authorities.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protections Act ( CFPA ), U.S.C. 1681i ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: KY

Complaint narrative:
XXXX is showing up on my credit and it should not be why because I never got to use it my XXXX  closed down and I didn't complete the class and training and never XXXX  this matter I've been fighting 11 years and it still on my credit which is harmful to me in every way I've tried speaking to them and no one will take the time to acknowledge me and why there concerns are me paying for it but I should not have to pay for something that I never used help please oh the school was XXXX XXXX XXXX XXXX in XXXX Florida. I read the article online about it it says it's a private but it says XXXX  I don't understand

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 2025-03-11 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: KY

Complaint narrative:
XXXX is showing up on my credit and it should not be why because I never got to use it my XXXX  closed down and I didn't complete the class and training and never graduated this matter I've been fighting 11 years and it still on my credit which is harmful to me in every way I've tried speaking to them and no one will take the time to acknowledge me and why there concerns are me paying for it but I should not have to pay for something that I never used help please oh the school was XXXX XXXX XXXX XXXX in XXXX Florida. I read the article online about it it says it's a private but it says XXXX  I don't understand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: KY

Complaint narrative:
XXXX is showing up on my credit and it should not be why because I never got to use it my XXXX  closed down and I didn't complete the class and training and never XXXX  this matter I've been fighting 11 years and it still on my credit which is harmful to me in every way I've tried speaking to them and no one will take the time to acknowledge me and why there concerns are me paying for it but I should not have to pay for something that I never used help please oh the school was XXXX XXXX XXXX XXXX in XXXX Florida. I read the article online about it it says it's a private but it says XXXX  I don't understand

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-11 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: NY

Complaint narrative:
I am disputing inaccurate and unfair negative items on my credit report, including closed accounts, chargebacks, late payments, and collections. These accounts contain errors, unverifiable information, or violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Closed Accounts & Chargebacks : These accounts were closed and should not be negatively impacting my credit.

Some contain chargebacks that were resolved, yet they remain as derogatory marks.

Late Payments : The reported late payments are inaccurate or unverifiable and should be removed.

Under 15 U.S.C. 1681c, I request an investigation and correction. 
Collections : Account # XXXX and other collection accounts were placed in violation of 15 U.S.C. 1692c ( unlawful communications ).

The debt collectors failed to validate the debt as required by 15 U.S.C. 1692g.

Some collections are not mine, were settled, or contain reporting errors.

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 2025-03-11 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: NY

Complaint narrative:
I am disputing inaccurate and unfair negative items on my credit report, including closed accounts, chargebacks, late payments, and collections. These accounts contain errors, unverifiable information, or violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Closed Accounts & Chargebacks : These accounts were closed and should not be negatively impacting my credit.

Some contain chargebacks that were resolved, yet they remain as derogatory marks.

Late Payments : The reported late payments are inaccurate or unverifiable and should be removed.

Under 15 U.S.C. 1681c, I request an investigation and correction. 
Collections : Account # XXXX and other collection accounts were placed in violation of 15 U.S.C. 1692c ( unlawful communications ).

The debt collectors failed to validate the debt as required by 15 U.S.C. 1692g.

Some collections are not mine, were settled, or contain reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CL Holdings LLC
State: GA

Complaint narrative:
the information that is reporting from Jefferson Capital Systems is a violation of Wha Fair Credit Reporting Act. Information is inaccurate on account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ). 

I disputed an inaccurate account ( XXXX - XXXX ) on my credit report with TransUnion. Both XXXX and XXXX have already deleted this account, yet TransUnion continues to report it, creating material inconsistencies across my credit reports. 

Violations : Failure to Maintain Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion is reporting inaccurate information that has been deleted by other credit bureaus, violating the requirement to maintain maximum possible accuracy. 

Failure to Ensure Consistency Across Bureaus ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Under this provision, TransUnion is required to delete information that has been removed by other credit bureaus as a result of a dispute. The continued presence of this account is a direct violation of this section. 

Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) My dispute was not properly investigated, and TransUnion relied on an automated verification process ( OSCAR system ) rather than performing a substantive review, which has been deemed insufficient under case law ( XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). 

TransUnions failure to remove this account despite clear evidence that it has been deleted from the other major credit bureaus has caused financial harm and undue distress by misrepresenting my creditworthiness.

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 2025-03-11 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: GA

Complaint narrative:
I want the company to remove the inquiries in 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act. 

To facilitate this process, I require the following documentation : XXXX. **Date of First Activity** : The date the account was initially opened or the debt originated. 
XXXX. **Date of Last Activity** : The most recent date of any transaction or communication regarding this debt. 
XXXX. **Date of Last Payment** : The date on which the last payment was made towards the debt. 
XXXX. **Account Number** : The specific account number associated with the debt in question. 
XXXX. XXXX Account XXXX : The total amount owed as of the date of this letter. 
XXXX. **Status of the Account** : A clear indication of whether the account is active, closed, disputed, etc. 
XXXX. **Chain of XXXX or XXXX : Documentation proving the ownership and transfer of the debt, including any assignments or sales. 
XXXX. **Proof of Ownership** : Evidence that your organization currently owns the debt and has the right to collect on it. 
XXXX. **Proof of XXXX XXXX : Documentation that demonstrates your authority to collect on this debt. 
XXXX. **Copies of Signatures** : Signed agreements from all parties involved in the original transaction and any subsequent assignments. 

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your timely response. 

Sincerely,

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Viva Finance Inc.
State: TX

Complaint narrative:
For my records and in order to ensure my financial information is accurate, I kindly ask that you provide me with the following information : 1. Confirmation of Sale : A formal statement confirming that the credit account was sold or transferred. 

2. Date of Sale : The exact date or time frame when the credit account was sold. 

3. Details of the Sale : Any relevant details about the terms of the sale, such as the outstanding balance or any other pertinent information related to the transaction. 

4. New Creditor Information : Contact details for the entity that now holds the account, including the name, address, and phone number for the new creditor or collection agency. 

This documentation is important for me to ensure that the account has been properly transferred and to verify that I should now direct any future payments or inquiries to the new creditor. 

Please provide this information at your earliest convenience. I appreciate your attention to this matter and look forward to receiving your response. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation