vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 3 Account Number : XXXX Account Name : DEPT OF EDXXXX Type of disputed information XXXX XXXX XXXX  Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : DEPT OF ED/XXXX Type of disputed information : student loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 5 Account Number : XXXX Account Name : XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

HARD INQUIRIES : Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Thank you for your assistance 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
This debt appeared on my credit report as a collection. Monterey fINANCIAL STATED I opened an account on XX/XX/year> which is inaccurate. The collection amount is for {$4700.00}. I requested this be removed and it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Evictions when I moved out do roaches and needles in the apartment. Old negative things on the 3 credit bureaus that the bureau keep putting on.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Evictions when I moved out do roaches and needles in the apartment. Old negative things on the 3 credit bureaus that the bureau keep putting on.

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 2025-03-01 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: NY

Complaint narrative:
Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies XXXX, XXXX and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX 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 2025-03-01 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:
Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies XXXX, XXXX and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CT

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-01 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: NJ

Complaint narrative:
As a victim of identity theft my personal information was compromised in a data breach which has led to this fraudulent activities. Under the FCRA I request the immediate removal of these unauthorized inquiries. As they were made without my consent or knowledge. 
XXXX. XXXX XXXX/equifa. Date : XXXX XXXX. XXXX. Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-01 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-01 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: NC

Complaint narrative:
Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXXXXXX XXXX XXXX XXXX : {$7600.00} XXXX : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX : {$17000.00} : Open : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : {$3200.00} : Open : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : {$400.00} : Open : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX : {$320.00} : Open : XXXX XXXX XXXXXXXX XXXX XXXX : {$500.00} : Open : XXXX XXXX, XXXX XXXX. XXXX XXXX  : {$260.00} : Open : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX : {$180.00} : Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$83.00} : Open : XXXX. XXXX, XXXX Hard Inquiries : 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 I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful. Failure to address this matter in accordance with legal obligations will compel me to seek legal counsel and escalate this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: MD

Complaint narrative:
My information has been misused. According to my credit report there's a numerous amount of accounts i see that i never opened myself. On the date XX/XX/XXXX a " XXXX XXXX  '' was opened reporting {$14000.00} on my credit report. On the date XX/XX/XXXX a XXXX was opened reporting a {$0.00} credit limit and {$8400.00} balance. On the date XX/XX/XXXX a XXXX XXXX  was opened reporting {$5900.00} on my credit report. Lastly, on XX/XX/XXXX a XXXX XXXX XXXX was opened reporting a {$230.00} balance. I am now on my last step of my recovery plan.

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 2025-03-01 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) ( XX/XX/scrub>/2024 ) BANCOPOPULAR ( XXXX ) ( XX/XX/year>2024 ) XXXX  XXXX ( XXXX ) ( XX/XX/year>2024 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are not mine i demand that my report reflects true and accurate information under FCRA law usc 1681

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 2025-03-01 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: NC

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXXXXXX XXXX  XXXX : {$7600.00} XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$17000.00} : Open : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$3200.00} : Open : XXXX XXXX, XXXX XXXX XXXX XXXX : {$400.00} : Open : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX : {$320.00} : Open : XXXX XXXX XXXX XXXX  : {$500.00} : Open : XXXX XXXX, XXXX XXXX XXXX : {$260.00} : Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$180.00} : Open : XXXX. XXXX, XXXX XXXX XXXX : {$83.00} : Open : XXXX. XXXX, XXXX Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Subject : Formal Dispute & Demand for Deletion of Obsolete Reporting Under FCRA & Metro 2 Compliance Dear Consumer Solutions I am formally disputing the reporting of the following account under 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines. This account is obsolete and must be immediately removed from my credit report. 

Disputed Account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. 

Status Updated : XX/XX/XXXX On Record Since : XXXX Reported Collection Date : XX/XX/XXXX ISSUES WITH REPORTING & LEGAL VIOLATIONS : 1. Obsolete Account Exceeds XXXX Reporting Limit FCRA 1681c ( a ) ( 4 ) mandates that collection accounts can not be reported beyond XXXX years from the original delinquency date. 

The date of delinquency is from XXXX, which means the latest permissible reporting date was in XXXX. Keeping this account on record beyond that period is a clear violation of federal law. 



2. Metro 2 Compliance Violation Improper Collection Reporting Per Metro 2 guidelines, a " Paid, Closed '' account should not have an active " Collection '' status. 

The account is reported as a collection as of XX/XX/XXXX, which misrepresents the true status of the account and creates an unfair negative impact.

3. Failure to Provide Proper Verification Under 15 U.S.C. 1681i ( a ) ( 7 ) The furnisher must provide complete verification records, including the original delinquency date and proof of accuracy.

If they fail to verify this account with complete documentation, per FCRA 1681i ( a ) ( 5 ) ( A ), this account must be permanently deleted.

DEMAND FOR REMOVAL : Under FCRA 1681c ( a ) ( 4 ) & Metro 2 Compliance, I am demanding the immediate removal of this account from my credit file for being obsolete and inaccurately reported. If the item can not be fully verified with the correct original delinquency date, it must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ).

DEMAND FOR RESPONSE : You are legally required to respond within 30 days under FCRA 1681i ( a ) ( 1 ). If this account is not removed, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Report this violation to the Federal Trade Commission ( FTC ) and my State Attorney General.

Pursue legal action for noncompliance and damages under FCRA 1681n & 1681o.

Please send all correspondence regarding this matter to my address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX capital one i had credit card filed in my name a credit name i never received and my identity was stolen to this day the balance has accumulated over XXXX and i don't know how this person has gotten a card in my name i had made a log into see this data! And im also going tk talk them as well my aunt gave me this site to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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