vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Fraudulent Collection Account that just appeared on my profile XX/XX/year> in Violation of the FCRA To Whom It May Concern, I am writing to formally dispute the collection account recently reported on my credit file, which is directly related to a fraudulent account previously removed from my credit report. The collection account list XXXX XXXX XXXX XXXX as the agency and XXXX  as the original creditor. This account is fraudulent, and its reappearance violates the Fair Credit Reporting Act ( FCRA ), particularly in regard to accurate reporting and reinsertion guidelines. 

Under the FCRA : 1. **15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ** - A deleted account may not be reinserted into a credit report unless the furnisher of the information certifies its accuracy. I was not notified of any reinsertion, nor was proper certification provided.

2. **15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ** - Information providers must not report information they know or have reasonable cause to believe is inaccurate.

3. **15 U.S. Code 1681c ( a ) ( 4 ) ** - Adverse information resulting from identity theft or fraud must not be included in a consumers report.

I previously disputed this fraudulent account with your bureau, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ), providing supporting documentation that confirmed my identity theft case. The fraudulent account CONNS was subsequently removed. The fact that this collection account XXXX XXXX XXXX XXXX ( directly related to the fraudulent CONNS account ) now appears on my credit report is a clear violation of federal law. 

I am requesting : - The immediate deletion of this fraudulent collection account from my credit file. 
- A written confirmation of the removal of this item. 
- An investigation into the furnisher of this information for potential FCRA violations. 

Attached are copies of my previous dispute letters, my FTC Identity Theft Report, and the prior removal confirmation from your bureau. I expect a expedited response, as required by law, and failure to comply will leave me no choice but to file formal complaints with the CFPB and take legal action. 

Please confirm receipt of this dispute and notify me in writing once the fraudulent account has been removed. 

Sincerely, XXXX XXXX XXXX. 
Last XXXX : XXXX **Enclosures : ** - Copy of my FTC Identity Theft Report - Previous dispute correspondence and removal confirmation - Copy of my ID and proof of residence

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 2025-02-20 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: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Jeffersons Capital systems LLC XXXXXXXX XXXX  : XXXX XXXX XXXX, XXXX, CO XXXX Subject : Dispute of Collection Account ( Law : 1681.0 ) Civil Liability Negligence and Non-Compliance Dear [ JEFFERSONS CAPITAL SYSTEMS LLC ], I am writing to formally dispute a collection entry listed on my credit report under Law : 1681.0. After thoroughly reviewing the details of the account, I believe that this collection is based on civil liability negligence and non-compliance with legal requirements.

Here are the specific reasons for my dispute : 1. Civil Liability Negligence : I believe that the collection was initiated or pursued without due legal basis or proper documentation. The actions taken by the creditor or collection agency may have violated relevant legal principles or processes that would have protected me as a consumer.

2. Non-Compliance with Legal Obligations : The creditor or collection agency has failed to comply with the necessary regulations as outlined under applicable laws, specifically like the Fair Debt Collection Practices Act ( FDCPA ) or if not many others. For example, they have not provided required notices, failed to validate the debt when requested, or did not follow proper procedures in accordance with legal requirements. 

Due to these issues, I am requesting that you conduct a thorough investigation into this matter and take appropriate action to either remove or correct the collection entry from my credit report. 


Please provide a detailed response and the results of your investigation in writing. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
XXXX XXXX consumers were affected by data breaches by credit unions and XXXX XXXX XXXX. Due to my social security number being breached fraudulent activities have happened such as unathorized inquiries and fraudulent accounts opened in my name. 

My credit reports shows a collection added on XXXX by Credence Resource Management stating they are representing the original credit XXXX date opened XXXX. 

I have no open or prior accounts with XXXX nor did I know anything about this account I was transferred to XXXX different agents an no resolve or account details. This account is fradulent and should be removed due to data breaches by XXXX and credit reporting agencies being under fire for inaccurate reporting and law suits. 

Due to these breaches consumer social security numbers have been breached and now massive identity thefts are taking place. My social is now connected the addresses I've never lived as well as phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

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 2025-02-20 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: PA

Complaint narrative:
In accordance with the fair credit reporting act. XXXX account number from XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX  XXXX section XXXX XXXX states i have the right to privacy. XXXX XXXX section XXXX section XXXX section XXXX it also states consumer reporting agency can not furnish your account without my written instruction.

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 2025-02-20 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: PA

Complaint narrative:
In accordance with the fair credit reporting act. XXXX account number from XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX  XXXX section XXXX XXXX states i have the right to privacy. XXXX XXXX section XXXX section XXXX section XXXX it also states consumer reporting agency can not furnish your account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX & XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-20 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-02-20 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Payment Due date for my Capital One Credit Card is on the XXXX of the month. I'm never late and always pay my bill on time each month. I pay be telephone this month at XXXX XXXX XXXX XXXX XXXX I always contact Capital One the next day and they remove the Late Charge fee that the computer puts on. I talked with XXXX different people in XXXX countries until finally getting an XXXX Supervisor in which she informed me that payment are due by XXXX XXXX XXXX XXXX XXXX I told her that I paid at XXXX XXXX XXXX XXXX and she was unapologetic about the Late Fee and that they couldn't remove the Late Fee of {$40.00}. I'm a senior on a fixed income and never miss a payment I would like the Late Fee Removed ASAP. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2025-02-20 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: SC

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 2025-02-20 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: OH

Complaint narrative:
XXXX XXXX HAS A CHARGED OFF CREDIT CARD IN MY NAME. I NEVER OPENED THIS ACCOUNT. I CALLED SEVERAL TIMES TO HAVE THE ITEM REMOVED. I AM SCHEDULED TO CLOSE ON MY NEW HOME IN 22 DAYS. THEY ARE PREVENTING ME FROM OWNING MY HOME BECAUSE MY CREDIT SCORE DROPPED SIGNIFICANTLY WHEN THIS ITEM REAPPEARED ON MY CREDIT REPORT AFTER IT WAS DELETED. 
I AM WILLING TO PAY THE {$650.00} IF THEY WILL NOT REMOVE IT. THEY MAKE IT EXTREMELY HARD TO SPEAK TO SOMEONE IN CUSTOMER SERVICE. 
PLEASE HELP ME GET THIS XXXX CREDIT CARD OFF OF MY CREDIT REPORT ONCE AND FOR ALL.

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 2025-02-20 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: OH

Complaint narrative:
XXXX XXXX HAS A CHARGED OFF CREDIT CARD IN MY NAME. I NEVER OPENED THIS ACCOUNT. I CALLED SEVERAL TIMES TO HAVE THE ITEM REMOVED. I AM SCHEDULED TO CLOSE ON MY NEW HOME IN 22 DAYS. THEY ARE PREVENTING ME FROM OWNING MY HOME BECAUSE MY CREDIT SCORE DROPPED SIGNIFICANTLY WHEN THIS ITEM REAPPEARED ON MY CREDIT REPORT AFTER IT WAS DELETED. 
I AM WILLING TO PAY THE {$650.00} IF THEY WILL NOT REMOVE IT. THEY MAKE IT EXTREMELY HARD TO SPEAK TO SOMEONE IN CUSTOMER SERVICE. 
PLEASE HELP ME GET THIS XXXX CREDIT CARD OFF OF MY CREDIT REPORT ONCE AND FOR ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief