vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: MD

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report due to my victimization in a recent data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these fraudulent items to be removed, as they were opened without my knowledge or consent. 
Account to be Blocked and Deleted : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9000.00} Inquiries to be Blocked and Deleted : 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 2025-01-03 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: FL

Complaint narrative:
I am submitting this complaint regarding incorrect and fraudulent information on my credit report, including outdated addresses and accounts that do not belong to me. These issues appear to be the result of identity theft. 

Details of the Complaint : Outdated Addresses : The following addresses are listed on my credit report but are no longer associated with me and need to be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Fraudulent Accounts : The following fraudulent accounts are listed on my credit report : XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Fraudulent Address : The following fraudulent address is listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address associated with fraud ) Old Addresses XXXX listed above ) are present on all three bureaus. 

XXXX : Fraudulent accounts ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Fraudulent address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL, XXXX ) TransUnion : All old addresses listed above Action Requested : I am requesting the following actions be taken immediately : Remove the outdated addresses from all three credit bureaus. 
Block and remove the fraudulent accounts from XXXX. 
Block and remove the fraudulent address from XXXX under Section 605B of the Fair Credit Reporting Act ( FCRA ). 
Supporting Documentation : I have attached the following documents to support my dispute : Copy of my government-issued photo ID.

Copy of a recent utility bill showing my current address.

FTC Identity Theft Report ( or police report, if applicable ). 
I respectfully request that these matters be investigated promptly and resolved in accordance with the law. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am submitting this complaint regarding incorrect and fraudulent information on my credit report, including outdated addresses and accounts that do not belong to me. These issues appear to be the result of identity theft. 

Details of the Complaint : Outdated Addresses : The following addresses are listed on my credit report but are no longer associated with me and need to be removed : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX Fraudulent Accounts : The following fraudulent accounts are listed on my credit report : Experian : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Fraudulent Address : The following fraudulent address is listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address associated with fraud ) Old Addresses XXXX listed above ) are present on all three bureaus. 

Experian : Fraudulent accounts ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX ) XXXX : All old addresses listed above Action Requested : I am requesting the following actions be taken immediately : Remove the outdated addresses from all three credit bureaus.

Block and remove the fraudulent accounts from Experian.

Block and remove the fraudulent address from XXXX  under Section 605B of the Fair Credit Reporting Act ( FCRA ).

Supporting Documentation : I have attached 
the following documents to support my dispute : Copy of my government-issued photo ID.

Copy of a recent utility bill showing my current address.

FTC Identity Theft Report ( or police report, if applicable ). 
I respectfully request that these matters be investigated promptly and resolved in accordance with the law. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have spoken with the student loan companies to inquire about the situation. They requested that I provide my ID, which I have done, yet nothing has been resolved. Instead, they have merely added a note indicating " aka, '' which is incorrect. I am a woman and have never identified as a man. I am extremely upset about this matter, as I believe I have rights that should be respected. I demand that this situation be addressed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I paid {$420.00} to XXXX for XXXXXXXX XXXX work for my dog. This was to be provided within XXXX weeks, then a follow up visit would be conducted so a XXXX XXXX could be established for my dog. XXXX XXXX XXXXXXXX on XX/XX/XXXX, but no XXXX XXXX was received and as a result no follow up visit was performed. I attempted multiple times to obtain the services I paid for. Once it became clear that I would not receive the services, I asked for a refund. That was also not given. I then filed a dispute with American Express stating that I did not receive the services. A digital reprint of a receipt was provided where I used my Amex to pay {$420.00} on XX/XX/XXXX ( which making the payment was never part of the dispute ) and a copy of XXXX XXXX XXXX policy. No proof was ever provided that I received the services that I paid for, yet American Express allowed this charge to stand and stated that I am responsible for the charge. Simply put, I paid money to XXXX XXXX American Express for services they never provided I have spoken to multiple agents from American Express who are allowing the fraud against me to take place and are failing to protect me from fraudulent business practices by XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, LA XXXX XX/XX/year> First Source Advantage XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX ACCOUNT XXXX : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear First Source Advantage LLC , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt. 

XXXX. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX 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 2025-01-03 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: OH

Complaint narrative:
I was looking over my credit file and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I HAVE FILED A FTC ID Theft Affidavnt AND XXXX POLICE 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After my last dispute requesting documentation of verification of the public record on my credit report the response I received was the public record was verified by the address listed/filed on the bankruptcy along with social security number and date of birth from national reporting agencys. This is not sufficient. The public record must be verified by the original furnisher, US bankruptcy court. The public record is not verifiable and the credit reporting agency knows this which is why they are trying to verify by going around the furnisher and looking for other sources. I know this because I received a letter from the clerks office at the U.S bankruptcy court stating they do not verify for credit bureaus. If documentation showing that this public record was verified by the furnisher can not be provided by this credit agency who insist that they verified the public record it must be deleted. 

Attached is a letter from the bankruptcy court.

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 2025-01-03 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: LEXISNEXIS
State: NY

Complaint narrative:
After my last dispute requesting documentation of verification of the public record on my credit report the response I received was the public record was verified by the address listed/filed on the bankruptcy along with social security number and date of birth from national reporting agencys. This is not sufficient. The public record must be verified by the original furnisher, US bankruptcy court. The public record is not verifiable and the credit reporting agency knows this which is why they are trying to verify by going around the furnisher and looking for other sources. I know this because I received a letter from the clerks office at the U.S bankruptcy court stating they do not verify for credit bureaus. If documentation showing that this public record was verified by the furnisher can not be provided by this credit agency who insist that they verified the public record it must be deleted. 

Attached is a letter from the bankruptcy court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am filing this complaint to dispute the accuracy and completeness of information reported by Equifax on my credit report regarding my XXXX XXXX XXXX account ending in XXXX. The account information provided by XXXX XXXX XXXX XXXX  is inaccurate and misleading because the underlying agreement associated with the account is legally unenforceable. This creates a materially inaccurate representation of my financial obligations and affects my creditworthiness. 

The agreement tied to this account contains significant ambiguities and deficiencies that render it invalid under contract law principles. Specifically, it fails to explicitly identify the creditor, define the terms of the offer, and establish the adequacy of consideration, all of which are critical to forming a valid and enforceable contract. Reporting this account as a valid obligation without addressing these legal deficiencies misrepresents my financial position. 

I have attempted to address this issue directly with XXXX XXXX XXXX XXXX, and I have also provided Equifax with evidence supporting my claim that the agreement is unenforceable. However, the inaccurate and incomplete information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau XXXX ] [ Address ] [ City, XXXX, ZIP Code ] Subject : Request for Deletion Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX - Account Number : XXXX Please investigate and delete from my credit report XXXX. 
Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau XXXX ] [ Address ] [ City, XXXX, ZIP Code ] Subject : Request for Deletion Inaccurate Credit Information to whom it XXXX concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX - Account Number : XXXX Please investigate and delete from my credit report XXXX. 
Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXXXXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Signature ] [ Your Printed Name ]

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