vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions , Inc. , XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My student loans we're supposed to be discharged years ago. Whenever I contact borrowers defense they tell me to wait for Mohela and when I speak to Mohela they tell me they are waiting for borrowers defense. They both refuse to contact eachother to remedy the issue so it's just this weird game of kicking me back and forth they are playing. Meanwhile they keep telling me my loans are in default every few months so I'm forced to keep contacting them to get the run around over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Hello. 

In XX/XX/year> I got pulled over for being accused of racing, so they ceased my vehicle until I had court. The company ( bank ) ended up going to the impound and repossessing the car. I was found not guilty of the racing charge. No one called and told me about the vehicle being taken, no one never told me where the car was. Bridgecrest dont have history of me purchasing this vehicle. I dont know where the car is til this day and I couldnt get any of my belongings out of the vehicle. Now Im stuck with a XXXX car loan and I didnt even get a chance to purchase the vehicle back or anything. I dont know what to do and this is unfair. No letter was received regarding the repossession nor a buy back. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX ga XXXX Re : Dispute of Unauthorized Credit Report Inquiry Dear LVNV FUNDING LLC I am writing to formally dispute the furnishing of my consumer report by your company without my written consent. Upon review of my credit file, I discovered that you accessed or obtained my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Section 604 ), which strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report.

15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written consent of the consumer. I have no record of providing such consent to your company. As such, your actions appear to constitute a willful violation of the FCRA. 

Furthermore, under 15 U.S.C. 1681n, you are subject to civil liability for willful noncompliance. This includes actual damages, punitive damages, and costs of litigation, including reasonable attorneys fees, as provided under the statute. 

I request the following actions immediately : 1. Provide proof of my written consent authorizing the furnishing of my consumer report.

2. If no such proof exists, remove any inquiry or record of your access to my credit file from all credit reporting agencies.

3. Confirm in writing that your company will cease any unauthorized activities and comply with all applicable provisions of the FCRA.

Failure to address this matter promptly may result in my taking legal action to enforce my rights under the FCRA, including seeking damages for willful noncompliance.

Please treat this letter as a formal demand for resolution and provide your response within 30 days of receipt. I expect all communication regarding this matter to be in writing and sent to the address listed above.

Thank you for your prompt attention to this issue. 

Sincerely, Name XXXX XXXX Number XXXX Email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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.

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-18 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: TN

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 non-monetary relief
Consumer complaint received 2025-03-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : *Creditor/Collection Agency Name : [ Name of Creditor/Company ] * XXXX XXXX XXXX, L Account Number : XXXX Amount : {$890.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with theFCRAandFDCPA.

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 2025-03-18 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: CA

Complaint narrative:
I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/2024 I have never authorized or applied for a credit card with XXXX XXXX XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX XXXX XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX XXXX XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
Please find FTC Identity theft report attached.

I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX XXXX XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.

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 2025-03-18 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: CA

Complaint narrative:
I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/2024 I have never authorized or applied for a credit card with XXXX XXXX XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX XXXX XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX XXXX XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
Please find FTC Identity theft report attached.

I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX XXXX XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> Equifax Inc. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX USA Subject : Request for Block and Deletion of Information Due to Data Breach ( Pursuant to 15 U.S.C. 1681c-2 ( a ) ) To Whom It May Concern, I am writing to formally request that XXXX  block and delete all accounts and information associated with my name and Social Security number that have resulted from a data breach, as provided under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ). 

I have been a victim of a data breach, and I believe my personal information has been compromised. To protect myself from potential identity theft and fraud, I am requesting that XXXX block and remove any accounts, inquiries, or information related to the breach from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX I understand that XXXX is required to block and delete the information within four business days of receiving this request, as outlined under 15 U.S.C. 1681c-2 ( a ). Please confirm in writing once the requested block and deletion have been completed. 

If you require any additional information to process this request, please contact me at XXXX ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested actions have been taken. 


Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
Because of the data breach with TransUnion, Equifax and Experian that led to my information being stolen they have inaccurate addresses and accounts under section 605 b this information has to be deleted within 4 days not 30 days or 60 days XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX reported, XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX Illinois XXXX reported XX/XX/XXXX Title 15 USC 1681 inaccurate information must be deleted off credit report XXXX XXXX reference # XXXX reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
Because of the data breach with TransUnion, Equifax and Experian that led to my information being stolen they have inaccurate addresses and accounts under section 605 b this information has to be deleted within 4 days not 30 days or 60 days XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX reported, XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX Illinois XXXX reported XX/XX/XXXX Title 15 USC 1681 inaccurate information must be deleted off credit report XXXX XXXX reference # XXXX reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this is not my 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 2025-03-18 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: NC

Complaint narrative:
I am writing to file a complaint regarding inaccurate and unauthorized accounts that have been reported on my credit profile by the major consumer reporting agencies, TransUnion and Experian. Despite my efforts to address this matter directly with the credit bureaus, these accounts remain on my credit report, and I seek your assistance in resolving this issue. 

The accounts in question are as follows : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX I am disputing these accounts for the following reasons : Unauthorized Reporting : None of the accounts were reported with my consent. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to control the information that appears on my credit report. These accounts were furnished to the credit bureaus without my consent, violating my rights as a consumer. 

Student Loan Reporting ( XXXX Account ) : With regard to the XXXX XXXX XXXX, I also wish to highlight that the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ), protects the privacy of student education records. Under FERPA, no educational institution or loan servicer is allowed to disclose student loan information to a consumer reporting agency without my explicit consent. This account was reported without my consent and in violation of FERPA regulations.

Inaccurate Information : Under 15 U.S. Code 1681s-2, any person who furnishes inaccurate information to a consumer reporting agency must notify the agency that the information is inaccurate. These accounts were reported without proper verification, and I assert that they contain inaccurate and unauthorized 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
Inaccurate report not consistent with all 3 credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY 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