vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
RE : IMMEDIATE REMOVAL OF UNAUTHORIZED FRAUD ALERT FROM MY CREDIT FILE 24-HOUR DEMAND To Whom It May Concern, I am formally demanding the immediate removal of a fraud alert that was placed on my credit file without my authorization. I recently received an email stating that a fraud alert was added under my namehowever, I did not initiate or approve this alert in any way. It was placed by your agency without my request or supporting documentation. 

Additionally, I received a second email stating that my date of birth had been updated, which again, was not done by me. My correct date of birth is XX/XX/year>, and I demand that any other birthdate listed on my report be immediately removed or corrected. This incorrect data is now contributing to multiple identity inconsistencies and continued harm on my credit profile. 



This Is Causing Ongoing Harm This unauthorized fraud alert and false birthdate update are causing me serious damage, including : Repeated housing and credit denials Emotional distress and mental strain Further complications with already-disputed fraudulent accounts Disruption to my financial stability You Are Now in Violation of Federal Law The following sections of the Fair Credit Reporting Act ( FCRA ) apply to this situation : FCRA 602 ( A ) You must ensure fair, impartial, and accurate reporting of consumer information. 
FCRA 604 ( c ) ( 1 ) ( B ) Fraud alerts may only be placed with proper consumer request and identity theft documentation. 
FCRA 611 & 1681i Consumers have the right to dispute and correct unauthorized or inaccurate information. 
FCRA 623 ( a ) ( 1 ) Furnishers must only report data with maximum possible accuracy. 



YOU HAVE 24 HOURS TO ACT I am now demanding the following actions be completed within 24 hours of your receipt of this letter : 1. Permanently remove the unauthorized fraud alert from all of my credit reports 2. Correct my date of birth to reflect XXXX only, and delete any other birthdates 3. Send written confirmation to XXXX that both the fraud alert and incorrect DOB have been resolved 4. Cease any future unauthorized changes to my file without my explicit request or consent If you fail to comply, I will immediately proceed with the following : Pursue a lawsuit in Small Claims Court for damages related to emotional distress, denial of housing, and financial injury Request a federal review of your FCRA violations and negligent handling of my personal information You have been warned. Act accordingly. 

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 2025-03-30 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:
RE : IMMEDIATE REMOVAL OF UNAUTHORIZED FRAUD ALERT FROM MY CREDIT FILE 24-HOUR DEMAND To Whom It May Concern, I am formally demanding the immediate removal of a fraud alert that was placed on my credit file without my authorization. I recently received an email stating that a fraud alert was added under my namehowever, I did not initiate or approve this alert in any way. It was placed by your agency without my request or supporting documentation. 

Additionally, I received a second email stating that my date of birth had been updated, which again, was not done by me. My correct date of birth is XX/XX/year>, and I demand that any other birthdate listed on my report be immediately removed or corrected. This incorrect data is now contributing to multiple identity inconsistencies and continued harm on my credit profile. 



This Is Causing Ongoing Harm This unauthorized fraud alert and false birthdate update are causing me serious damage, including : Repeated housing and credit denials Emotional distress and mental strain Further complications with already-disputed fraudulent accounts Disruption to my financial stability You Are Now in Violation of Federal Law The following sections of the Fair Credit Reporting Act ( FCRA ) apply to this situation : FCRA 602 ( A ) You must ensure fair, impartial, and accurate reporting of consumer information. 
FCRA 604 ( c ) ( 1 ) ( B ) Fraud alerts may only be placed with proper consumer request and identity theft documentation. 
FCRA 611 & 1681i Consumers have the right to dispute and correct unauthorized or inaccurate information. 
FCRA 623 ( a ) ( 1 ) Furnishers must only report data with maximum possible accuracy. 



YOU HAVE 24 HOURS TO ACT I am now demanding the following actions be completed within 24 hours of your receipt of this letter : 1. Permanently remove the unauthorized fraud alert from all of my credit reports 2. Correct my date of birth to reflect XXXX only, and delete any other birthdates 3. Send written confirmation to XXXX that both the fraud alert and incorrect DOB have been resolved 4. Cease any future unauthorized changes to my file without my explicit request or consent If you fail to comply, I will immediately proceed with the following : Pursue a lawsuit in Small Claims Court for damages related to emotional distress, denial of housing, and financial injury Request a federal review of your FCRA violations and negligent handling of my personal information You have been warned. Act accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, XXXX, XXXX and NAVY FCU for violating my privacy rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 and 15 USC 1681 Section 604 ( a ), as well as improperly reporting a late payment on my credit card account in violation of 15 USC 1666b of the Truth in Lending Act ( TILA ). These actions have infringed upon my federally protected rights and caused me significant financial harm and distress. 
Under 15 USC 1681 Section 602, Congress has recognized the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Additionally, 15 USC 1681 Section 604 ( a ) limits the circumstances under which a consumer reporting agency may furnish a consumer report, requiring a permissible purpose such as my written consent, a court order, or a legitimate business need as defined by the statute. Recently, I discovered that my credit report was accessed without my authorization and personal information was shared with a third party. I did not provide written consent for this action, nor was it conducted pursuant to any court order or permissible purpose under 15 USC 1681 Section 604 ( a ). 
Furthermore, under 15 USC 1666b, a creditor is prohibited from treating a payment as late for any purposeincluding reporting to a consumer reporting agencyunless the payment was received after the due date AND the creditor provided a billing statement at least 21 days prior to that due date. In my case, NAVY FCU reported late payments on my account to XXXX, XXXX, and XXXX. However, the billing statement was not provided to me at least 21 days prior to the due date, as required by law. Despite this, the late payment was inaccurately reported, damaging my credit score and reputation. 
These actions have caused me emotional distress, financial uncertainty, and a lower credit score. I am therefore requesting that the Consumer Financial Protection Bureau investigate these violations and enforce my rights under the FCRA and TILA. 

Please feel free to contact me at XXXX or XXXX if you require further information or clarification. I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law. 
Thank you for your assistance in protecting my consumer rights. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, TransUnion, XXXX and XXXX FCU for violating my privacy rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 and 15 USC 1681 Section 604 ( a ), as well as improperly reporting a late payment on my credit card account in violation of 15 USC 1666b of the Truth in Lending Act ( TILA ). These actions have infringed upon my federally protected rights and caused me significant financial harm and distress.

Under 15 USC 1681 Section 602, Congress has recognized the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Additionally, 15 USC 1681 Section 604 ( a ) limits the circumstances under which a consumer reporting agency may furnish a consumer report, requiring a permissible purpose such as my written consent, a court order, or a legitimate business need as defined by the statute. Recently, I discovered that my credit report was accessed without my authorization and personal information was shared with a third party. I did not provide written consent for this action, nor was it conducted pursuant to any court order or permissible purpose under 15 USC 1681 Section 604 ( a ).

Furthermore, under 15 USC 1666b, a creditor is prohibited from treating a payment as late for any purposeincluding reporting to a consumer reporting agencyunless the payment was received after the due date AND the creditor provided a billing statement at least 21 days prior to that due date. In my case, XXXX XXXX reported late payments on my account to XXXX, XXXX, and TransUnion. However, the billing statement was not provided to me at least 21 days prior to the due date, as required by law. Despite this, the late payment was inaccurately reported, damaging my XXXX XXXX and reputation. 
These actions have caused me emotional distress, financial uncertainty, and a lower credit score. I am therefore requesting that the Consumer Financial Protection Bureau investigate these violations and enforce my rights under the FCRA and TILA. 

Please feel free to contact me at XXXX or XXXX if you require further information or clarification. I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law. 
Thank you for your assistance in protecting my consumer rights. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: AZ

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX DOB : XXXX This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( U.S.C. & 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following ; 1.Personal credit card account opened at XXXX XXXX Services in XX/XX/XXXX. 
2. Personal credit card account opened at XXXX in XX/XX/XXXX. 
XXXX. Personal credit card account opened at XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 
4. Personal credit card account opened at ADS XXXX XXXX XXXX in XX/XX/XXXX. 


These accounts have resulted in several fraudulent credit card accounts and fraudulent hard inquiries appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or hard inquiries as reported. The accounts and hard inquiries appearing on my consumer credit report maintained by you, were not open, made, or initiated by me. 

The aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the listed consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2400.00} - XXXX XXXX XXXX XXXX {$29000.00} - XXXX XXXX XXXX  XXXX XXXX {$2900.00} - XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX {$10000.00} - XXXX XXXX XXXX XXXX {$2000.00} - 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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 make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-30 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ) regarding fraudulent collection accounts that have appeared on my credit report as a result of identity theft stemming from the Experian data breach. These accounts were opened without my knowledge or consent, and I am requesting their immediate removal in accordance with federal law. 

Under FCRA Section 605B, credit reporting agencies are legally required to block and remove fraudulent accounts from my credit report within four business days upon receipt of my request and supporting documentation. 

To support my claim, I have attached the following : A copy of my identity theft report filed with FTC A copy of my government-issued identification A detailed list of fraudulent accounts and the credit bureaus reporting them Documentation linking my compromised personal information to the Experian data breach Despite my attempts to have these accounts removed, Experian has failed to comply with its obligations under the law. I request that the CFPB investigate this matter and ensure Experians compliance with FCRA 605B by permanently removing all fraudulent accounts from my credit file. 

Please confirm receipt of this complaint and provide updates on the actions taken. I appreciate your prompt attention in ensuring my consumer rights are upheld.

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
" LVNV Funding is reporting a collection account ( # XXXX ) originally from XXXX XXXX XXXX XXXX XXXX the amount of {$1500.00} on my credit report. I have previously sent a debt validation letter to LVNV on [ date of your letter ], requesting verification of their ownership of this debt and their legal authority to collect. As of today, they have failed to provide proper validation including : Documentation proving they are the rightful owner of this debt A proper chain of title showing their legal right to collect Proof of purchase of this specific debt Despite failing to validate the debt as required by the FDCPA, they continue to report this unverified debt on my credit reports. According to the FDCPA, without providing proper validation, they must cease collection activities including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Kovo INC Customer service department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear KOVO INC Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on loan account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments. 

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my XXXX score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation. 

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals. 

I have always valued my relationship with KOVO INC and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward. 

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX account number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
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 non-monetary relief