vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I've recently checked my credit report and noticed fraudulent accounts XXXX. XXXX XXXX, XXXX - {$160.00} account # XXXX - XXXX XXXX XXXX XXXX  - {$370.00} account # XXXX XXXX XXXX XXXX XXXX - {$0.00} account XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - {$2400.00} account # XXXX - XXXX XXXX FTC Report I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Phone : XXXX Email : Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$160.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX ga Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In Accordance To the violation to Both 16 USC 1692 refers to a section of the United States Code, specifically Title 15, which deals with the Fair Debt Collection Practices Act ( FDCPA ), in addition too 15 U.S. Code 1692e - False or misleading representations After going through a financial Hardship I notified my card company to reactivate my protection benefits I was told to pay my minimum amount and than it would be reactivated though it never was which resulted in them providing false information to the collection company of non payment The failure to notify me with XXXX the debt is owe by an ex partner but neither of us is responsible for it on account of the forceful nature of the company charge off with not further consideration for contact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NY

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 2025-04-04 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-04-04 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: GA

Complaint narrative:
I've recently checked my credit report and noticed fraudulent accounts XXXX. XXXX XXXX, XXXX - {$160.00} account # XXXX - XXXX XXXX XXXX XXXX  - {$370.00} account # XXXX XXXX XXXX XXXX XXXX - {$0.00} account XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - {$2400.00} account # XXXX - XXXX XXXX FTC Report I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Phone : XXXX Email : Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$160.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX ga Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I've recently checked my credit report and noticed fraudulent accounts XXXX. XXXX XXXX, XXXX - {$160.00} account # XXXX - XXXX XXXX XXXX XXXX  - {$370.00} account # XXXX XXXX XXXX XXXX XXXX - {$0.00} account XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - {$2400.00} account # XXXX - XXXX XXXX FTC Report I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Phone : XXXX Email : Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$160.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX ga Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please remove the negative comments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 Dear Sir or Madam, I am writing to formally request the removal of late payment entries from my credit report in connection with my car loan account [ XXXX ] with XXXX. I believe that these late payments are the result of a billing error as defined under 15 U.S.C. 1666 of the Truth in Lending Act ( TILA ), and I am exercising my rights under this section to dispute these charges.

Specifically, I dispute the following late payment ( s ) that have been reported to the credit bureaus : Late Payment Date ( XXXX ) : XXXX XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Amount ( XXXX ) of Late Payment : {$610.00} According to 15 U.S.C . 1666, a consumer may dispute billing errors related to late payments if the error was caused by the creditor 's failure to correctly apply a payment or a delay in processing a payment. I believe the late payment ( s ) reported on my account are inaccurate or the result of an error in the processing of my payment. [ Provide a brief explanation or example of why you believe the late payment is a mistake. ] Under the Truth in Lending Act, I am requesting the following : 1. An investigation into the reported late payments on my account.

2. Correcting the billing error by removing the late payment entries if they are found to be incorrect or based on an error.

3. A written response outlining the findings of your investigation and the actions taken to correct any errors on my account.

Please note that I am exercising my rights under the TILA and request that this matter be resolved promptly. If no resolution is reached, I may need to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or the credit reporting agencies. 
I kindly ask that you respond to this letter in writing within 30 days of receipt as required by federal law. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Seeing an unauthorized inquiry on my credit report this morning was both shocking and frustrating. I have no idea why it's there, and despite refreshing my browser, the issue persisted. This situation is causing me serious stress, and I need the documents I submitted to be reviewed immediately so I can finally have peace of mind.

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 2025-04-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

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 2025-04-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA 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 AND XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - XXXX Opened XXXX/XXXX/XXXX UNAUTHORIZED INQUIRY : XXXX  XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, Equifax and Transunion all failed to properly investigate my requested to block information resulting from identity theft. 15 USC 1681i ( a ) 6 ( B ) 3 investigation protocol. I am the only person with first hand knowledge of the transactions on my credit report and I can not verify or validate any of these fraudulent accounts. Experian Equifax and Transunion have reinserted inaccurate information without notifying me properly. 15 USC 1681i ( a ) ( 5 ) B, I have not gave Experian Equifax or Transunion my written consent to report anything to me credit report, 15 USC 1681 B.

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 2025-04-04 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly review my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser to check if it was just a system error, but the inaccuracies remained. Because of this, I kindly request a thorough review of the documents I have submitted so that I can put this concern behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 Dear Sir or Madam, I am writing to formally request the removal of late payment entries from my credit report in connection with my car loan account [ XXXX ] with XXXX. I believe that these late payments are the result of a billing error as defined under 15 U.S.C. 1666 of the Truth in Lending Act ( TILA ), and I am exercising my rights under this section to dispute these charges.

Specifically, I dispute the following late payment ( s ) that have been reported to the credit bureaus : Late Payment Date ( XXXX ) : XXXX XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Amount ( XXXX ) of Late Payment : {$610.00} According to 15 U.S.C . 1666, a consumer may dispute billing errors related to late payments if the error was caused by the creditor 's failure to correctly apply a payment or a delay in processing a payment. I believe the late payment ( s ) reported on my account are inaccurate or the result of an error in the processing of my payment. [ Provide a brief explanation or example of why you believe the late payment is a mistake. ] Under the Truth in Lending Act, I am requesting the following : 1. An investigation into the reported late payments on my account.

2. Correcting the billing error by removing the late payment entries if they are found to be incorrect or based on an error.

3. A written response outlining the findings of your investigation and the actions taken to correct any errors on my account.

Please note that I am exercising my rights under the TILA and request that this matter be resolved promptly. If no resolution is reached, I may need to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or the credit reporting agencies. 
I kindly ask that you respond to this letter in writing within 30 days of receipt as required by federal law. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 Dear Sir or Madam, I am writing to formally request the removal of late payment entries from my credit report in connection with my car loan account [ XXXX ] with XXXX. I believe that these late payments are the result of a billing error as defined under 15 U.S.C. 1666 of the Truth in Lending Act ( TILA ), and I am exercising my rights under this section to dispute these charges.

Specifically, I dispute the following late payment ( s ) that have been reported to the credit bureaus : Late Payment Date ( XXXX ) : XXXX XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Amount ( XXXX ) of Late Payment : {$610.00} According to 15 U.S.C . 1666, a consumer may dispute billing errors related to late payments if the error was caused by the creditor 's failure to correctly apply a payment or a delay in processing a payment. I believe the late payment ( s ) reported on my account are inaccurate or the result of an error in the processing of my payment. [ Provide a brief explanation or example of why you believe the late payment is a mistake. ] Under the Truth in Lending Act, I am requesting the following : 1. An investigation into the reported late payments on my account.

2. Correcting the billing error by removing the late payment entries if they are found to be incorrect or based on an error.

3. A written response outlining the findings of your investigation and the actions taken to correct any errors on my account.

Please note that I am exercising my rights under the TILA and request that this matter be resolved promptly. If no resolution is reached, I may need to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or the credit reporting agencies. 
I kindly ask that you respond to this letter in writing within 30 days of receipt as required by federal law. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation