vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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:
I submitted a dispute with Experian thats reporting late payments on my account. I have proof of the inaccuracies. Experian did not take the time to properly investigate this issue which should be at least ( 30 ) days. I got a response back from them in 2 days stating that the late payment account was verified. They did not properly investigate my dispute.

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 2025-01-12 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:
significantly affected my financial well-being. Regrettably, I have fallen victim to identity theft, and attach herewith the relevant documents and a completed identity theft report that detail the specifics of this case. I implore your urgent assistance in this grave situation. It is of utmost importance that you take immediate steps to review and address the unauthorized accounts that have been falsely associated with my identity. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. C 1681 c-2 ), I request that you promptly initiate the process to bloc and eliminate all information resulting from this identity theft incident. The FCRA mandates the removal of such data within a maximum of four business days from the date of this correspondence. 

To facilitate your investigation, I have outlined below the specific accounts that I demand to be expeditiously deleted : 1. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$660.00} Please remove it from my credit report. 

2. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$860.00} Please remove it from my credit report. 

3. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$1300.00} Please remove it from 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
Consumer complaint received 2025-01-12 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:
significantly affected my financial well-being. Regrettably, I have fallen victim to identity theft, and attach herewith the relevant documents and a completed identity theft report that detail the specifics of this case. I implore your urgent assistance in this grave situation. It is of utmost importance that you take immediate steps to review and address the unauthorized accounts that have been falsely associated with my identity. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. C 1681 c-2 ), I request that you promptly initiate the process to bloc and eliminate all information resulting from this identity theft incident. The FCRA mandates the removal of such data within a maximum of four business days from the date of this correspondence. 

To facilitate your investigation, I have outlined below the specific accounts that I demand to be expeditiously deleted : 1. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$660.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$860.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$1300.00} Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
Its a cell phone bill with XXXX or XXXX but Ive never used this before its with Jefferson capital one time I was told they was going to take this off my name but there never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX - XXXX, XXXX  - XXXX, XXXX  - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My personal and business accounts were closed randomly and without written reason by bank of America back in XXXX of 2024. I reached out to bank of America by phone and in person and they did not give me any reason as to the closure. Additionally, the funds that were left in the account were never sent to me. The bank also charged my account for transactions after the accounts had already been closed. Resulting in them sending me a letter ViA mail saying I have a balance on one of the accounts that they had already closed and denied me access too.

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 2025-01-12 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:
I am writing to formally dispute inaccurate and incomplete information listed on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the account with the following details : Account Name : XXXX XXXXAccount Number : XXXXReason for Dispute : VALIDATION OF DEBT Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : VALIDATION OF DEBT If you contend that the account has been verified, I request a detailed explanation of the procedures used to verify the information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This explanation must include : The name, address, and contact information of the party or entity that verified the account. 
Copies of all documents and evidence relied upon during the verification process. 
Failure to provide this information will constitute non-compliance with the FCRA, and I will take further action to enforce my rights under federal law.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information being reported on my XXXX XXXX account ( # XXXX ). Despite filing a complaint with the CFPB against the major credit bureaus, no resolution has been reached. I have identified numerous inaccuracies and demand that this account be deleted. I have made several complaints in the past, but each time, no action has been taken. 
Attached are several documents from XXXX, XXXX, Equifax, XXXX XXXX, and XXXX XXXX, which provide evidence of inaccurate reporting by the credit bureaus. Document # 1 is the original CFPB complaint that I previously submitted and was not taken seriously, so I request that you review it thoroughly. Document # 2 is the XXXX XXXX report, where I have highlighted that the account is fully paid off and shows no late payments ( XXXX ) days late. However, the credit bureau reports otherwise, indicating an inaccuracy. Document # 3 from Equifax confirms that I have XXXX late payments. Document # 4 further supports that the account is paid in full. Document # 5 from XXXX XXXX shows several highlighted inaccuracies, including incorrect reporting of the date opened, high credit, last date active, and discrepancies among the major credit bureaus regarding how the account was reported in XXXX. Documents # 6 and # 7 outline the laws that credit bureaus must follow, specifying that if inaccurate information is reported, it must be deleted. With the evidence and documentation provided, it is clear that there are significant inaccuracies in the reporting of my XXXX XXXX account. I am requesting that this account be either deleted or corrected ON TIME PAYMENT, as it is my right to have accurate information reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information being reported on my XXXX XXXX account ( # XXXX ). Despite filing a complaint with the CFPB against the major credit bureaus, no resolution has been reached. I have identified numerous inaccuracies and demand that this account be deleted. I have made several complaints in the past, but each time, no action has been taken. 
Attached are several documents from Experian, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, which provide evidence of inaccurate reporting by the credit bureaus. Document # 1 is the original CFPB complaint that I previously submitted and was not taken seriously, so I request that you review it thoroughly. Document # 2 is the XXXX XXXX report, where I have highlighted that the account is fully paid off and shows no late payments ( XXXX ) days late. However, the credit bureau reports otherwise, indicating an inaccuracy. Document # 3 from XXXX confirms that I have XXXX late payments. Document # 4 further supports that the account is paid in full. Document # 5 from XXXX XXXX shows several highlighted inaccuracies, including incorrect reporting of the date opened, high credit, last date active, and discrepancies among the major credit bureaus regarding how the account was reported in XXXX. Documents # 6 and # 7 outline the laws that credit bureaus must follow, specifying that if inaccurate information is reported, it must be deleted. With the evidence and documentation provided, it is clear that there are significant inaccuracies in the reporting of my XXXX XXXX account. I am requesting that this account be either deleted or corrected ON TIME PAYMENT, as it is my right to have accurate information reflected 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
My identify was stolen and this company is trying to make me pay a balance I did not contribute to. I have also done a claim with XXXX the within 2 day it stated that the information was correct. Which is far from the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I never had XXXX XXXX and i tried many time to call XXXX XXXX i asked about this problem but they never respect. I never had XXXX. They collect again new collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
NCC INC, inquiry on XX/XX/year> ; has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$910.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance XXXX {$320.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXXXXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Date XXXX XXXX XX/XX/XXXX Account Status : Open UNAUTHORIZED INQUIRE ( S ) : XXXXXXXX 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 2025-01-12 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: IA

Complaint narrative:
I am writing to follow up on previous disputes regarding inaccuracies on my credit report. The discrepancies between the accounts reported by your bureau and the other credit reporting agencies further substantiate my claim that these accounts are inaccurate, invalid, and unverifiable. Additionally, I never signed any agreement with the listed collection agencies, making their reporting unauthorized and harmful to my creditworthiness. You are obligated under the Fair Credit Reporting Act ( FCRA ) to report accurate and verifiable information only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: IA

Complaint narrative:
I am writing to follow up on previous disputes regarding inaccuracies on my credit report. The discrepancies between the accounts reported by your bureau and the other credit reporting agencies further substantiate my claim that these accounts are inaccurate, invalid, and unverifiable. Additionally, I never signed any agreement with the listed collection agencies, making their reporting unauthorized and harmful to my creditworthiness. You are obligated under the Fair Credit Reporting Act ( FCRA ) to report accurate and verifiable information only.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I fully accept responsibility for the past due balance. Since that time, I have taken significant steps to improve my financial habits and rebuild my credit. I deeply regret the circumstances that led to the charge off and have made every effort to ensure such issues do not occur again. 
I respectfully request your goodwill in removing this charge-off from my credit report. This negative mark continues to impact my ability to [ reason, e.g., qualify for better financial terms, secure a mortgage, etc. While I understand that this entry accurately reflects my past financial behavior, I would appreciate your understanding of my current situation and my efforts to improve CXXXX XXXXT {$500.00} XXXX XXXX {$430.00} XXXX  XXXX {$260.00} XXXX {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I fully accept responsibility for the past due balance. Since that time, I have taken significant steps to improve my financial habits and rebuild my credit. I deeply regret the circumstances that led to the charge off and have made every effort to ensure such issues do not occur again. 
I respectfully request your goodwill in removing this charge-off from my credit report. This negative mark continues to impact my ability to [ reason, e.g., qualify for better financial terms, secure a mortgage, etc. While I understand that this entry accurately reflects my past financial behavior, I would appreciate your understanding of my current situation and my efforts to improve XXXX XXXX {$500.00} XXXX XXXX {$430.00} XXXX XXXX {$260.00} XXXX  {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TN

Complaint narrative:
Experian reported an account after my credit score went up to XXXX it dropped to a XXXX after a fraudulent report from XXXX recovery system for a {$1000.00} debt that I have no clue where it came from. It's a fraudulent report I've disputed in which I've still have yet to hear anything back nor my credit score restored back to XXXX. I've worked hard to clean my report due to many false reportings, please look into this matter I do believe Experian is falsely reporting debts that doesn't belong to me.

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