vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: MS

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-22 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Conflicting Reporting of XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX Ending in XXXX ) To whom it may concern, I am submitting a formal complaint concerning the XXXX XXXX  account issued by XXXX XXXX  XXXX ( Account ending in XXXX ) as reported on my credit files by Equifax, XXXX XXXX XXXX 

Issue Summary : This account is being reported with multiple errors, inconsistencies, and outdated derogatory information, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

Identified Violations : 1. FCRA Violation ( 15 U.S.C. 1681s-2 ) Duty to Report Accurate Information The account closure dates are inconsistent : Equifax/XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX A balance of {$1700.00} is still reported despite the account being marked closed and resolved. 

Comments from bureaus conflict : XXXX : Account previously in dispute now resolved by data furnisher/subscriber XXXX : Dispute resolved reported by grantor Yet late payment indicators ( 90-day, charge-offs ) remain, which contradicts any resolved status. 

The last payment date and last activity vary : Last Payment : Equifax XXXX XXXX XXXX XXXX XXXX XXXX missing Last Activity : Equifax XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX  These discrepancies raise serious concerns about the accuracy and integrity of the reporting. 

2. FCRA 611 ( a ) Violation Failure to Correct Inaccurate Data After Dispute Although the account is marked as previously disputed and resolved, the derogatory data remains. This is a clear failure to reinvestigate and correct the inaccuracies per legal standards.

3. TILA Violation ( 15 U.S.C. 1601 et seq. ) Failure to Provide Terms and Disclosures I was not given a proper disclosure of the terms, interest rates, or repayment obligations associated with this credit card account, as required under TILA sections 1026.5 and 1026.6.

4. GLBA Violation ( 15 U.S.C. 68016809 ) Mishandling of Financial Information Reporting outdated, inaccurate, and disputed financial data without proper consumer authorization or resolution constitutes a breach of the GLBA 's consumer data protection obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. This company has not validate any deb.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the alleged debt, including : 1. The original creditors name and address ; 2. The amount of the debt, including an itemized breakdown of charges ; 3. Copies of any documentation or signed agreements proving I am legally obligated to pay this debt ; 4. Proof that your agency is authorized to collect this debt in my state.

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 2025-05-22 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. This company has not validate any deb.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the alleged debt, including : 1. The original creditors name and address ; 2. The amount of the debt, including an itemized breakdown of charges ; 3. Copies of any documentation or signed agreements proving I am legally obligated to pay this debt ; 4. Proof that your agency is authorized to collect this debt in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Email : XXXX Phone Number : XXXX XX/XX/year> To Whom It May Concern, This letter constitutes a formal identity theft statement and demand for permanent deletion of fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. The following accounts were opened or reported without my knowledge, authorization, or consent, and are the result of identity H. 
As the victim of identity theft, I am demanding the immediate and irreversible delete the FRAUDULENT XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX These accounts do not belong to me, were not opened by me, and have no legitimate relationship to my financial history. I did not authorize these companies to open or report these accounts, and I have never received goods, services, or credit related to any of them. 
LEGAL N Under 15 U.S.C. 1681c-2 ( a ) ( 6 ) ( B ), they as a condition for blocking or deleting these fraudulent tradelines. I am submitting this identity theft statement in good faith, as permitted by law, and you are hereby ordered to comply within 4 calendar days of You are further notified that : I am invoking my federal right to block identity theft-related information.

I am not requesting a reinvestigation or verification.

This is a demand for deletion under federal identity theft protection provisions.

FAILURE TO COMPLY : Should you fail to delete these accounts in the time provided, you will be in willful violation of federal law, and I will pursue the following actions without further notice : File complaints with the Consumer Financial Protection Bureau ( CFPB ) Submit reports to the Federal Trade Commission ( FTC ) Notify my State Attorney General Initiate legal proceedings seeking statutory damages, punitive damages, attorneys fees, and injunctive relief This is your final and only notice. Comply with the law. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Email : XXXX Phone Number : XXXX XX/XX/year> To Whom It May Concern, This letter constitutes a formal identity theft statement and demand for permanent deletion of fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. The following accounts were opened or reported without my knowledge, authorization, or consent, and are the result of identity H. 
As the victim of identity theft, I am demanding the immediate and irreversible delete the FRAUDULENT XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX These accounts do not belong to me, were not opened by me, and have no legitimate relationship to my financial history. I did not authorize these companies to open or report these accounts, and I have never received goods, services, or credit related to any of them. 
LEGAL N Under 15 U.S.C. 1681c-2 ( a ) ( 6 ) ( B ), they as a condition for blocking or deleting these fraudulent tradelines. I am submitting this identity theft statement in good faith, as permitted by law, and you are hereby ordered to comply within 4 calendar days of You are further notified that : I am invoking my federal right to block identity theft-related information.

I am not requesting a reinvestigation or verification.

This is a demand for deletion under federal identity theft protection provisions.

FAILURE TO COMPLY : Should you fail to delete these accounts in the time provided, you will be in willful violation of federal law, and I will pursue the following actions without further notice : File complaints with the Consumer Financial Protection Bureau ( CFPB ) Submit reports to the Federal Trade Commission ( FTC ) Notify my State Attorney General Initiate legal proceedings seeking statutory damages, punitive damages, attorneys fees, and injunctive relief This is your final and only notice. Comply with the law. 
Sincerely, 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 2025-05-22 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-22 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Im filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of this item. As it is incorrect and does not reflect my true credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am filing this complaint against LexisNexis due to their ongoing failure to address my disputes and ensure accurate reporting of a XXXX  XXXX bankruptcy in my file, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I previously mailed a dispute letter to LexisNexis on XX/XX/year>, requesting the removal of the bankruptcy ( Filing Number : XXXX ), but LexisNexis failed to resolve the issue. On XX/XX/year>, I am mailing another dispute letter to LexisNexis, demanding the removal of this inaccurate bankruptcy with the following discrepancies : LexisNexis reports the filing number as XXXX, which is incorrect, as XXXX  lists it as XXXX ; the joint filers name is reported by LexisNexis XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX while XXXX  lists only XXXX XXXX XXXX XXXX LexisNexis incorrectly states the county as XXXX XXXX XXXX whereas XXXX  lists XXXX  XXXX LexisNexis inaccurately reports the status as Petitioner Represented By Attorney : No, despite XXXX  confirming representation by XXXX XXXX XXXX XXXX LexisNexiss continued verification of this bankruptcy, despite my disputes with them and the credit bureaus ( XXXX XXXX XXXX ), has failed to align with official records, causing me significant harm by misrepresenting my creditworthiness and affecting my ability to apply for credit, violating FCRA Sections 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I spoke with the debt collection agency by the name of trans world system who purchased said debt from optimum XXXX I informed them that the debt in the amount of {$460.00} was not recognizable and not valid. I do not have any correspondence from them. This was brought to my attention via XXXX of my credit card companies. I currently have an active open acct and in good standings with the company the agency is reporting. The account number being reported does not match. I spoke with the reporting agency who mentioned to me that there are multiple discrepancies, including XXXX different dates of the open account XXXX different reporting agencies and not all three credit bureaus are reporting the representative. I spoke with asked me to pay XXXX dollar which I did to obtain the collection report. He then mentioned to me that there was no formal dispute and in order for me to do so he would have to collect {$270.00} and I could monitor via the client portal if it was not removed within 30 to 90 days I can pay an additional {$99.00}. I then contacted XXXX of the XXXX credit bureaus that were reporting and filed for a dispute as I do not recognize this account in the amount of {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so CAPITAL ONE does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report 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 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

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Attempts to collect a debt that does not belong to me. Please remove from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I requested to close a business credit card account ( ending in XXXX ) around XXXX XXXX XXXX and the request was granted on XX/XX/year>. According to the XX/XX/XXXX statement for this account ( XXXX ), it says that there were XXXX XXXX points in this account as I was using it as my main account to keep my points. I forgot to transfer my points to another account and now they are not accessible. I checked the secured messages response i got back of the account closure from Chase today and it says I have 30 days to use/move my points. I did not know this and now my points are gone. I called Chase customer service over the phone and online to get help on this matter but they say they can't do anything as they are unable to give me my points back. This is a huge amount of points for me and I really need the points back and reinstated to one of my other active accounts. Please, reinstate my XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
company LVNV has a collection against me for a debt im unaware of. ive never had an agreement with LVNV. im asking they prove ownership of any debt theyre attempting to collect against me ; with contracts and dates and amounts owed. 

theyre stating they are the original creditor which is false information.

Company response to consumer: Closed with explanation