vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
The late payment in question is reported by [ equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-03-28 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: MD

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute a XXXX XXXX account that has appeared on my credit report, which I believe is the result of fraudulent activity. The account in question is listed under the name XXXX XXXX and the account number is XXXX. 

After reviewing my credit report, I discovered that this account was opened without my knowledge or authorization. I have not applied for or authorized any XXXX XXXX services, and I believe my personal information was compromised. 

I am requesting that you conduct a thorough investigation into this matter and remove the fraudulent account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with the fair credit act this creditor has violated my rights under 15usc 1681 section 602 states I have a right to privacy and 15usc 1681 604 a section 2 a consumer reporting agency can't furnish an account without my written instructions. Under 15USC 1 XXXX B a creditor XXXX not treat a payment on a credit card under account under an open and consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX CARD XXXX XXXX, XXXX XXXX CARD XXXX XXXXXXXX, XXXX CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00}

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 non-monetary relief
Consumer complaint received 2025-03-27 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:
This morning, I found errors on my credit report, with accounts I dont recognize appearing for no apparent reason. I regularly check my credit report, but this time, I noticed discrepancies that werent there before. I even refreshed my browser, thinking it could be a temporary glitch, but the inaccuracies didnt disappear. Because of this, I ask that the documents Ive submitted be carefully reviewed so that I wont have to stress over this issue anymore.

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 2025-03-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Reporting Capital XXXX # XXXX Dear XXXX, This letter serves as a formal dispute regarding the late payment reported on Capital XXXX which you recorded as late in Your response to my previous dispute indicated that the information was { accurate/verified }, yet my initial request did not ask for validation or accuracy confirmation. 

According to 15 U.S. Code 1666b - Timing of Payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that each periodic statement, including the required information under 15 U.S. Code 1637 ( b ), was mailed or delivered to me at least 21 days before the due date.

Furthermore, under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I requested documentation that you are legally required to possess in order to report my payment as late.

As per 15 U.S. Code 1681i - XXXX in XXXX of XXXX XXXX, a reinvestigation is required when a consumer disputes the accuracy of reported information. If the furnisher of the information can not provide sufficient evidence to support the reported late payment, the information must be deleted from my credit file. The legal precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX at XXXX ) clarifies that if a furnisher can not verify the disputed information with sufficient evidence, it must be reported as can not be verified and removed. 

It has been over 30 days, and XXXX has failed to provide the required evidence demonstrating that the reported late payment is accurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the late payment entry be deleted from my credit report. 

Requested Action : Please delete the late payment entry associated with : Creditor : Capital XXXX Account Number : XXXX Reported Late Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX If you are unable to verify this information in accordance with the law, I request immediate removal of the inaccurate entry. Please provide a response within 30 days as required under the FCRA. 

Thank you for your prompt attention to this matter. I expect your cooperation in ensuring my credit report reflects accurate and verifiable information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Late Payment Reporting Capital XXXX # XXXX Dear Experian, This letter serves as a formal dispute regarding the late payment reported on Capital XXXX which you recorded as late in Your response to my previous dispute indicated that the information was { accurate/verified }, yet my initial request did not ask for validation or accuracy confirmation. 

According to 15 U.S. Code 1666b - Timing of Payments, a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that each periodic statement, including the required information under 15 U.S. Code 1637 ( b ), was mailed or delivered to me at least 21 days before the due date. 

Furthermore, under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I requested documentation that you are legally required to possess in order to report my payment as late. 

As per 15 U.S. Code 1681i - XXXX in XXXX of XXXX XXXX, a reinvestigation is required when a consumer disputes the accuracy of reported information. If the furnisher of the information can not provide sufficient evidence to support the reported late payment, the information must be deleted from my credit file. The legal precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX at XXXX ) clarifies that if a furnisher can not verify the disputed information with sufficient evidence, it must be reported as can not be verified and removed. 

It has been over 30 days, and Experian has failed to provide the required evidence demonstrating that the reported late payment is accurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the late payment entry be deleted from my credit report. 

Requested Action : Please delete the late payment entry associated with : Creditor : Capital XXXX Account Number : XXXX Reported Late Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX If you are unable to verify this information in accordance with the law, I request immediate removal of the inaccurate entry. Please provide a response within 30 days as required under the FCRA. 

Thank you for your prompt attention to this matter. I expect your cooperation in ensuring my credit report reflects accurate and verifiable information. 

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 2025-03-28 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX  I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

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 2025-03-28 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: IN

Complaint narrative:
The company responded saying with a document explaining steps involved in creating an account and a document as to what information they share. Even with what was provided they still violated my privacy rights, as well as are still currently as I type this message, reporting inccurate information to all three reporting agencies. I've done all I can on my own these past several years to have this account permanently deleted from my profile with no success. At this point I'm requesting {$5000.00} per reporting agency for this account still sitting on my profile. This has caused me so much stress and embarassment in not being able to provide necessities for myself. I'm prepared to file a claim with XXXX XXXXXXXX XXXX XXXX if no remedy is found here again.

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 2025-03-28 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: IN

Complaint narrative:
The company responded saying with a document explaining steps involved in creating an account and a document as to what information they share. Even with what was provided they still violated my privacy rights, as well as are still currently as I type this message, reporting inccurate information to all three reporting agencies. I've done all I can on my own these past several years to have this account permanently deleted from my profile with no success. At this point I'm requesting {$5000.00} per reporting agency for this account still sitting on my profile. This has caused me so much stress and embarassment in not being able to provide necessities for myself. I'm prepared to file a claim with XXXX XXXXXXXX XXXX XXXX if no remedy is found here again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XX/XX/year> I redeemed XXXX XXXX XXXXXXXX XXXX gift cards for {$14.00} and {$75.00}, respectfully. I was able to redeem them easily. I later tried to use the XXXX XXXX  credit and got this error, " Error Your transaction can not be completed. To proceed, please submit the required documents by completing this form. We recommend you to not redeem anymore XXXX Gift Cards on this account until you receive a response from us for your submission ''. I submitted the required documents, which was proof of purchase. And they responded with, " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' As a result I'm unable to use the XXXXXXXX XXXX credit. This means I have {$89.00} of XXXX XXXX credit on my account I can not use. I've contacted their customer support and they told me they would get back to me by email and never did.

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