vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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 2025-01-08 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-08 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: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
Dear Consumer, Financial Protection Bureau ( CFPB ), I am writing to report an urgent issue involving the compromise of my personal information. Recently, I discovered that my identity was involved in a data leak, resulting in unauthorized access to sensitive details, including personal and financial information. As a result, I have found discrepancies on my credit report, including entries I do not recognize, which are not a reflection of my actions or financial history. 

This situation is incredibly distressing, as it suggests that my identity has been compromised and is being used without my consent. I believe immediate intervention is necessary to resolve these issues and protect my financial well-being. I request that you assist me in correcting these errors and ensuring that my personal information is no longer at risk. 

Specifically, I would like the following actions to be taken : Investigation into the unauthorized entries on my credit report, including those that I do not recognize. 
Immediate steps to rectify the errors on my credit report and ensure that any fraudulent activity is removed. 
Support in addressing the data leak and safeguarding my identity from further misuse. 
Any guidance on how to further protect my personal information and prevent future issues. 
Please let me know what additional information or documentation is required from me to resolve this issue as quickly as possible. I appreciate your prompt attention to this matter and look forward to your guidance in addressing this serious identity compromise. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
plz show provide me when accurate information, every time i file a dispute they always say it was verified, some of my disputes i ark for proof im obligated by law to pay this these dept XXXX XXXX XXXX after i filed my disputes file number XXXX XXXX XXXX XXXX i filed a couple dispute file number XXXX file number XXXX under FDCPA fair partice code 15 us code $ 1692g, EXPERIAN has never provided me with any validation, perchase aggrement, nothing i ask for, but they alway say it was verified, never provided me with anything i ask, please what i kindly ask for 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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After reviewing the unverified information or documents provided to me. I refuse to pay this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After reviewing the unverified information or documents provided. I refuse to pay this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: MD

Complaint narrative:
Had poor approval for credit cards. And opened up a savings account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The deadline to file an Extended Claims Period claim for Out-of-Pocket Losses or Time Spent that occurred between XX/XX/XXXX, and XX/XX/XXXX, passed on XX/XX/XXXX. 
I was not informed through email, letter, text or phone call of the breach. I saw an ad for this breach. I searched duckduckgo website for the class action settlement. I found the EQUIFAX Class action settlement site. I then performed the identity data breach search to clarify if my data and personal information was leaked through their service or company site. I discovered my data and information was leaked through this breach. I emailed EQUIFAX seeking answers as to why I was not informed of this breach. They proceed to tell me they were not able to find my information. I responded with screenshots of their website showing my data was involved in the breach. They responded by telling me it was too late for them to do anything. This breach occurred XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found multiple errors that require immediate correction. Specifically, I dispute the following inaccuracies : XXXX. Account : [ XXXX XXXX ] ( Account # XXXX ) ** The report indicates late payments and charge-off status for this account. However, under 15 U.S. Code 1666 ( b ), billing errors, including late payments, must be verified through proper documentation. A simple billing statement is insufficient evidence of a valid debt. Without proper verification or disclosure, this reporting is inaccurate. 
XXXX. Account : [ XXXX ] ( Account # XXXX ) ** This account is reported as collection/charge-off and reflects inaccurate balance and payment history.

Collections : As outlined in 15 U.S. Code 1692 ( c ), I did not provide consent for communication from a debt collector. Therefore, any alleged debt communication related to this account is invalid.

Charge-Offs : According to 15 U.S. Code 1601, the creditor failed to provide all necessary disclosures under the Truth in Lending Act. Without proper compliance, the charge-off reporting is legally inaccurate. 
XXXX. Inaccurate Repossession Entry The repossession entry associated with [ specific account, if applicable ] fails to confirm legal authorization to repossess from personal property. Under 15 U.S. Code 1692 ( f ) ( 6 ), the repossession agency must have the proper legal rights, which are not clearly demonstrated in this case. 
XXXX. Multiple Late Payment Records Several late payments are reported across accounts, but there is no substantial evidence to verify these claims. Under 15 U.S. Code 1666 ( b ) and supporting case law, billing errors and late payments must be substantiated with sufficient documentation, which has not been provided.

Requested Action : I request that you immediately : Investigate the listed inaccuracies.

Provide documentation or verification that substantiates these reports in compliance with FCRA and applicable laws.

Remove or correct all inaccurate, incomplete, or unverifiable information from my credit file.

Please provide a written response detailing the outcome of your investigation within 30 days, as required by 15 U.S. Code 1681i. Attached are copies of my credit report with the disputed items highlighted for your convenience, as well as supporting documentation for my dispute.

Failure to resolve these inaccuracies could result in further legal action under applicable consumer protection laws. I appreciate your prompt attention to this matter and look forward to your response.

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 2025-01-08 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found multiple errors that require immediate correction. Specifically, I dispute the following inaccuracies : XXXX. Account : [ XXXX XXXX ] ( Account # XXXX ) ** The report indicates late payments and charge-off status for this account. However, under 15 U.S. Code 1666 ( b ), billing errors, including late payments, must be verified through proper documentation. A simple billing statement is insufficient evidence of a valid debt. Without proper verification or disclosure, this reporting is inaccurate. 
XXXX. Account : [ XXXX ] ( Account # XXXX ) ** This account is reported as collection/charge-off and reflects inaccurate balance and payment history.

Collections : As outlined in 15 U.S. Code 1692 ( c ), I did not provide consent for communication from a debt collector. Therefore, any alleged debt communication related to this account is invalid.

Charge-Offs : According to 15 U.S. Code 1601, the creditor failed to provide all necessary disclosures under the Truth in Lending Act. Without proper compliance, the charge-off reporting is legally inaccurate. 
XXXX. Inaccurate Repossession Entry The repossession entry associated with [ specific account, if applicable ] fails to confirm legal authorization to repossess from personal property. Under 15 U.S. Code 1692 ( f ) ( 6 ), the repossession agency must have the proper legal rights, which are not clearly demonstrated in this case. 
XXXX. Multiple Late Payment Records Several late payments are reported across accounts, but there is no substantial evidence to verify these claims. Under 15 U.S. Code 1666 ( b ) and supporting case law, billing errors and late payments must be substantiated with sufficient documentation, which has not been provided.

Requested Action : I request that you immediately : Investigate the listed inaccuracies.

Provide documentation or verification that substantiates these reports in compliance with FCRA and applicable laws.

Remove or correct all inaccurate, incomplete, or unverifiable information from my credit file.

Please provide a written response detailing the outcome of your investigation within 30 days, as required by 15 U.S. Code 1681i. Attached are copies of my credit report with the disputed items highlighted for your convenience, as well as supporting documentation for my dispute.

Failure to resolve these inaccuracies could result in further legal action under applicable consumer protection laws. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THEY SAID THEY WILL REMOVE TRADELINE FRM REPORT IT WAS ON XXXX AND XXXX IT WAS REMOVE ON XXXX BUT NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
After reviewing the unverified information or documents provided. I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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