vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 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:
MY NAME IS XXXX XXXX XXXX I AM SUBMMTING THIS COMPLAINT ON THE BEHALF OF MYSELF THERE IS NO OTHER COMAPNY DISUPUTING ON MY BEHALF PLEASE DO NOT SEND ME AN AUTOMATED MESSAGE! ALL DOCUMENTS WILL BE INCLUDED I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX  XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Cease and Desist Request Regarding Credit Reporting Dispute To Whom It May Concern, I am submitting this formal request regarding inaccurate or unauthorized information on my credit report, which has been reported by JEFFERSON CAPITAL LL . I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request the removal of this information and a formal investigation. 

The inaccurate information I am disputing is as follows : Account Name/Number : XXXX Creditor/Collection Agency Name : JEFFERSON CAPITAL LL Issue Description : This account is not mine. 
I have already contacted the reporting company but have not received a satisfactory resolution. Therefore, I am formally requesting that the CFPB investigate this matter and ensure compliance with federal laws governing fair credit reporting. 
I request the following actions : 1. Immediate removal of the inaccurate information from my credit report. 
2. Confirmation that all credit reporting agencies have been informed of this correction. 
3. Assurance that this issue will not recur. Failure to address this issue promptly could result in further action, including complaints with additional regulatory bodies or legal action to enforce my rights under the FCRA. 
Please contact me at ( XXXX ) XXXX or XXXX if further information is required. I look forward to receiving confirmation of the resolution of this matter within the timeframe mandated by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I recently received a letter from Equifax stating that a credit file could not be located under my name. This is quite confusing as I have documentation from Equifax that confirms the existence of my credit file, and I have attached the relevant documents for your reference. 

I am concerned that there may be an issue with the information on file, particularly as I have recently married and my last name is now XXXX. I have already submitted all required documents to Equifax, but the issue remains unresolved. 

I would appreciate it if you could clarify why my credit file can not be located, and whether there may be any issues related to my name change or other identifying information. I am committed to resolving this issue as quickly as possible and would like to understand what additional steps I need to take. 

If there are any discrepancies or further identity verification required, please let me know so I can provide the necessary documents. Additionally, I would like to understand what actions Equifax is taking to ensure that my credit file is properly linked to my current name and address. 

Thank you for your prompt attention to this matter. I look forward to your response. 

I also feel they are ingoring my disputes it has been over 30 days and i have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Im a victim of identity theft and all my personal information was exposed in a data breach more than once. I have something on my credit report Affirm Inc that I know for sure is not mines but these people continue to harass me about it. I sent all necessary paperwork to prove to them Im a victim of identity theft. But the issue still wasnt resolved now its on my credit report. May someone please help me and let know what do I have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the items listed on my credit report, as I believe they result from a major data breach that compromised my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that all items on my credit report be deleted in accordance with my rights due to the impact of this breach.

I have recently become aware that my personal data was exposed as part of a data breach that affected [ name of the company or entity that experienced the breach ]. As a result, my information has been used without my authorization, which has led to inaccurate and damaging items appearing on my credit report.

Pursuant to the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies ensure the maximum possible accuracy of credit reports, I am entitled to dispute any information that I believe is erroneous, incomplete, or the result of fraudulent activity. Given that the entries on my credit report stem from a breach that I did not authorize or consent to, I assert that these entries are both inaccurate and incomplete.

Additionally, 15 U.S.C. 1681c-2 ( a ) ( 3 ) provides that any information resulting from identity theft must be investigated and, if necessary, deleted. I request that you delete the affected entries from my credit report in full, as they are clearly the result of identity theft linked to this data breach.

Please provide me with a written confirmation of the steps taken to resolve this dispute. I also request that you send me an updated copy of my credit report showing the deletion of these items.

If you require any further documentation or proof regarding the data breach, I am happy to provide it, including any notices I have received from the responsible party confirming the breach. 

Thank you for your prompt attention to this matter. I expect to receive confirmation of the deletion of these items within the statutory timeframe of 30 days, as required by law. 

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 2025-01-07 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the items listed on my credit report, as I believe they result from a major data breach that compromised my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that all items on my credit report be deleted in accordance with my rights due to the impact of this breach.

I have recently become aware that my personal data was exposed as part of a data breach that affected [ name of the company or entity that experienced the breach ]. As a result, my information has been used without my authorization, which has led to inaccurate and damaging items appearing on my credit report.

Pursuant to the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies ensure the maximum possible accuracy of credit reports, I am entitled to dispute any information that I believe is erroneous, incomplete, or the result of fraudulent activity. Given that the entries on my credit report stem from a breach that I did not authorize or consent to, I assert that these entries are both inaccurate and incomplete.

Additionally, 15 U.S.C. 1681c-2 ( a ) ( 3 ) provides that any information resulting from identity theft must be investigated and, if necessary, deleted. I request that you delete the affected entries from my credit report in full, as they are clearly the result of identity theft linked to this data breach.

Please provide me with a written confirmation of the steps taken to resolve this dispute. I also request that you send me an updated copy of my credit report showing the deletion of these items.

If you require any further documentation or proof regarding the data breach, I am happy to provide it, including any notices I have received from the responsible party confirming the breach.

Thank you for your prompt attention to this matter. I expect to receive confirmation of the deletion of these items within the statutory timeframe of 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Pursuant to complaint XXXX of XXXX of 2023 NewRez was accepting only checks are payment by phone but I was unable to pay by check because my social security comes on the second week of the month of XXXX so I wrote a check. the check was written on XXXX XXXX day before the grace period ended on the XXXX. 
I wrote in the numercal square {$1300.00} but in the alpha section I wrote XXXX XXXX XXXX dollars XXXX XXXX cent. 
The bank NewRez did noy inform me of my mistake but kept reminding me I owed {$1000.00} U XXXX dollars. 
Each month after XXXX they remined me of that debt, and until my bank informed me it was my error.

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 2025-01-07 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:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I've been disputing some accounts that are being incorrectly reported on my credit file, and the credit bureaus keep verifying my disputes as accurate, but I disagree with my dispute results and am asking for a re-investigation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy is being violated by the way my credit is being reported, and 15 U.S. Code 1681n - Civil liability for willful noncompliance states I am entitled for up {$1000.00} per violation. Also 15 U.S. Code 1692- Congressional findings and declaration of purpose is clearly being violated by the way experian is reporting my credit.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I believe the account is invalid. 
SECURITY CREDIT SERVICES ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation