vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I have identified inaccuracies on my credit reports from TransUnion, XXXX, and XXXX regarding the following issues : Unauthorized Inquiries Late Payments Collection Charge-Off Account Despite my efforts, these inaccuracies remain uncorrected, which is negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax remains in violation of code XXXX XXXX XXXX XXXX XXXX XXXX, which states a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

Equifax refuses to comply with the law, in which they didn't delete all listed fraudulent accounts no later than XXXX days, but instead simply updated each account with remark codes- reinvestigation in progress. THIS IS UNACCEPTABLE. 

PLEASE NOTE : A REINVESTIGATION IS NOT THE REMEDY TO IDENTITY FRAUD, DELETION IS. Equifax consistently violates my rights as a consumer and is operating in violation of XXXX XXXX. 

Furthermore, XXXX complied with all legal requests and deleted the fraud accounts listed, but still have not deleted the listed fraudulent Inquiries. 
Equifax refuses to delete anything, and XXXX is in alignment with Equifax on not deleting accounts & Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
These Accounts : XXXX ) XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX These are all FRAUDULENT ACCOUNTS due to the Data Breach and Dark Web where my information was exposed. 
According to Section 605B of the Fair Credit Reporting Act. It gives the consumer the right to request that the Credit reporting agencies ( CRA ) to block the reporting of information that was a result of identity theft. And all These Accounts should be blocked from my consumer 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
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
These Accounts : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all FRAUDULENT ACCOUNTS due to the Data Breach and Dark Web where my information was exposed. 
According to Section 605B of the Fair Credit Reporting Act. It gives the consumer the right to request that the Credit reporting agencies ( CRA ) to block the reporting of information that was a result of identity theft. And all These Accounts should be blocked from my consumer 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 2025-01-11 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: LA

Complaint narrative:
Heres a dispute letter tailored to this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains multiple errors and inconsistencies, which violate several sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : Music and Arts ) Account Type : Collection Account Number : XXXX Balance Reported : {$1200.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No proper verification of this account has been provided, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, i
ts derogatory status remains on my credit report. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting. 
The account is reported as a Collection/Charge-Off with no evidence of the collection process or a payment history.

The balance and status remain unverified, and no supporting documentation has been provided to justify the reporting.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this account, indicating non-compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against Experian : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting its failure to properly investigate disputes and validate debts. 
This raises significant concerns regarding the accuracy and validity of Experians reporting in this case. 


I expect a response to this dispute within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ). 

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 2025-01-11 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: Kinum, Inc., Indianapolis, IN Branch
State: LA

Complaint narrative:
Heres a dispute letter tailored to this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains multiple errors and inconsistencies, which violate several sections of federal law. 

Account Details : Creditor Name : Kinum Inc ( Original Creditor : XXXX XXXX XXXX ) Account Type : Collection Account Number : XXXX Balance Reported : {$1200.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No proper verification of this account has been provided, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, its derogatory status remains on my credit report. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting. 
The account is reported as a Collection/Charge-Off with no evidence of the collection process or a payment history.

The balance and status remain unverified, and no supporting documentation has been provided to justify the reporting.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this account, indicating non-compliance with IRS reporting requirements. 
5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting its failure to properly investigate disputes and validate debts. 
This raises significant concerns regarding the accuracy and validity of XXXX reporting in this case. 


I expect a response to this dispute within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi got money for balance transfer now need to pay off XXXX XXXX been waiting since XXXX last year please just pay off

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 monetary relief
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Monthly Reporting Details of My Account Dear XXXX XXXX I am writing in reference to my account with XXXX XXXX, which was previously reported to XXXX, Equifax, and other credit bureaus. It has come to my attention that this account has been removed from my credit reports without my authorization. As this account is a revolving account, I believe it should not have been deleted. 

To address this issue, I am requesting documentation that verifies your companys monthly reporting of this account to XXXX, Equifax, and any other credit reporting agencies. Specifically, I request : 1. A detailed record of the dates on which your company reported this account to the credit bureaus each month.

2. Any explanations for why this account was removed from my credit reports.

Please provide this information as soon as possible, as it is critical for ensuring the accuracy of my credit report. If additional information is required to locate my account, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
XXXX By certfied mail a letter for a balance of {$750.00}, I asked Please provide me proof of debt validation Came back verified with no proof XX/XX/2024 a balance of {$750.00}. By certified mail I sent a letter Requesting a description of the procedure used with validation Came back verified through online with no proof once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: LA

Complaint narrative:
Heres a comprehensive dispute letter for the account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies, violating multiple sections of federal law.

Account Details : Creditor Name : [ Government Entity Name ] Account Type : Government Miscellaneous Debt ( Installment ) Account Number : XXXX Balance Reported : {$8000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. No verification of this account has been provided, yet it continues to be reported derogatorily. 
2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, its derogatory status remains reported. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account is reported as both a Collection and a Charge-Off, which is inconsistent and misleading.

Comments indicate a profit and loss write-off, yet the balance remains reported as due, which contradicts IRS and FCRA standards .

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this account, raising concerns about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
This raises significant concerns about XXXX ability to accurately report and investigate this account, further undermining the validity of this entry. 


Additionally, I expect a response to this dispute within 30 days, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ). 

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 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
They charged me a very high interest rate for used vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am disputing the collection account with Jefferson Capital Systems , LLC, account number XXXX XXXX XXXX XXXXXX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that Jefferson Capital Systems , LLC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Monthly Reporting Details of My Account Dear XXXX XXXX I am writing in reference to my account with XXXX XXXX, which was previously reported to TransUnion, XXXX, and other credit bureaus. It has come to my attention that this account has been removed from my credit reports without my authorization. As this account is a revolving account, I believe it should not have been deleted. 

To address this issue, I am requesting documentation that verifies your companys monthly reporting of this account to TransUnion, XXXX, and any other credit reporting agencies. Specifically, I request : 1. A detailed record of the dates on which your company reported this account to the credit bureaus each month.

2. Any explanations for why this account was removed from my credit reports. 



Please provide this information as soon as possible, as it is critical for ensuring the accuracy of my credit report. If additional information is required to locate my account, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt 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 2025-01-11 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: CA

Complaint narrative:
I filed a FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXXXXXX XXXX credit card opened on XX/XX/XXXX. 
XXXX charge card opened on XX/XX/XXXX. XXXX opened on XXXX XXXX XXXX XXXX opened on XX/XX/XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws The credit bureau are not removing these negative items of my credit report I will sue Experian XXXX and XXXX if these negative items arent removed. They violated my credit consumer protection rights too many times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute 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 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company? Agency has violated our rights as sovereign living people on the land, on the soil and Wells Fargo Home Mortgage and those thereof have been non-compliant with our DO NOT CONTAT/ CEASE AND DESIST orders Wells Fargo Home Mortgage For the record continues to call, continues to send mail received instrument of mail today from Wells Fargo Home Mortgage XX/XX/year> Violating our previous orders once again

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