vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Civil Liability and Negligence under 1681 O Noncompliance Dear Sir/Madam, I am writing to formally dispute an issue related to my credit report under the Fair Credit Reporting Act ( FCRA ), specifically regarding the claim of 1681 O Civil Liability Negligence Noncompliance.I believe this entry is inaccurate, incomplete, or otherwise violates the FCRA requirements. 
Upon reviewing my credit report from Equifax, I noticed the reference to this alleged civil liability negligence noncompliance. I request that you provide me with a detailed explanation, including : 1. The nature of this claim and any supporting documentation regarding the negligence and noncompliance mentioned. 
2. A full explanation of how this issue arose and whether it relates to any action on my part or third parties. 
3. Any attempts made to resolve this matter before it was reported. 
4. A copy of any relevant court records or legal documentation that support the claim. 
As per the Fair Credit Reporting Act, I am requesting that you thoroughly investigate this matter, correct any inaccuracies, and provide me with written confirmation of the results. I ask that you either : Remove the claim from my credit report if it is found to be inaccurate or noncompliant, or Provide substantiated documentation proving the validity of this claim. 
Please complete your investigation within the 30-day period prescribed by the FCRA. If further documentation is needed from my end, I am happy to provide it promptly. 
I would appreciate your timely attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me directly at XXXX or via email at XXXX Thank you for your prompt attention to this matter. 
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 2025-04-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Civil Liability and Negligence under 1681 O Noncompliance Dear Sir/Madam, I am writing to formally dispute an issue related to my credit report under the Fair Credit Reporting Act ( FCRA ), specifically regarding the claim of 1681 O Civil Liability Negligence Noncompliance.I believe this entry is inaccurate, incomplete, or otherwise violates the FCRA requirements. 
Upon reviewing my credit report from Equifax, I noticed the reference to this alleged civil liability negligence noncompliance. I request that you provide me with a detailed explanation, including : 1. The nature of this claim and any supporting documentation regarding the negligence and noncompliance mentioned. 
2. A full explanation of how this issue arose and whether it relates to any action on my part or third parties. 
3. Any attempts made to resolve this matter before it was reported. 
4. A copy of any relevant court records or legal documentation that support the claim. 
As per the Fair Credit Reporting Act, I am requesting that you thoroughly investigate this matter, correct any inaccuracies, and provide me with written confirmation of the results. I ask that you either : Remove the claim from my credit report if it is found to be inaccurate or noncompliant, or Provide substantiated documentation proving the validity of this claim. 
Please complete your investigation within the 30-day period prescribed by the FCRA. If further documentation is needed from my end, I am happy to provide it promptly. 
I would appreciate your timely attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me directly at XXXX or via email at XXXX Thank you for your prompt attention to this matter. 
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 2025-04-03 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: GA

Complaint narrative:
I was a victim of an XXXX data breach, I pulled my credit report and noticed that my address was incorrect. I contacted the credit agencies to correct it, and to this date it has not been corrected. 

my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX please update

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 2025-04-02 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: OK

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. My credit report contains numerous errors that I can no longer ignore, as they are severely affecting my financial stability and preventing me from moving forward. Even more concerning, I have reason to believe that some of this misinformation may be linked with my ongoing issues with fraudulent activity or identity theft. These inaccuracies and mix-up are not just frustratingthey are actively damaging my creditworthiness and making it impossible to achieve financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I got a new Auto policy in XX/XX/XXXX but was billed till XX/XX/XXXX. I requested progressive to adjust the due amount but they did not do that, and in return they handed my debt to collections which will impact my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Columbia Debt Recovery, LLC dba Genesis Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Subject : Immediate Cease and Desist & Demand for Removal of Credit Reporting Dear Columbia Debt Recovery, LLC : This letter serves as formal notice regarding your collection activities and reporting of alleged debts under reference numbers XXXX, XXXX, and XXXX. You are hereby notified that your actions violate both federal and state laws, as outlined below, and I demand immediate corrective action. 

Violation of State Licensing Requirements 1. Arizona Revised Statutes ( A.R.S. 32-1051 ) : You are not licensed to collect debts in the state of Arizona. Consequently, your collection activities, including credit reporting, are unlawful.

2. Washington State RCW 19.16.110 : If you are not licensed in Washington, your debt collection and reporting activities are also in violation of Washington state laws.

Violation of Federal and State Laws Your actions contravene the following : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : You must cease collection efforts, including credit reporting, if you can not validate the debt.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : Furnishers of information to credit reporting agencies ( CRAs ) must report accurate and verifiable information. Reporting unverified or inaccurate debts is a direct violation.

3. Arizona Statutes ( A.R.S. 44-1695 ) : Reporting inaccurate or unverifiable information to CRAs violates Arizonas consumer protection laws.

4. Washington State RCW 19.182.120 : Debt furnishers are required to ensure all reported debts are accurate and legally enforceable.

Immediate Demand for Corrective Action You are required to take the following actions no later than Monday, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. Immediately remove all reports of these alleged debts from all consumer reporting agencies ( XXXX, XXXX, XXXX ). 
XXXX. Provide written confirmation that the removal has been completed. 
XXXX. Cease all collection activities, including reporting to CRAs, phone calls, and correspondence. 

Notice of Consequences Failure to comply with this demand will result in the following actions : XXXX. Filing complaints with the Arizona Attorney General, Washington Attorney General, Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 
XXXX. Pursuing legal action for violations of the FDCPA, FCRA, and state laws, including seeking statutory damages, attorneys fees, and compensation for harm caused by your unlawful actions. 

Final Warning If the derogatory information is not removed from all CRAs by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I will take all necessary legal steps to protect my rights. 

I expect written confirmation of compliance by this deadline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an account being reported by CONSUMER PORTFOLIO SVC, a national subprime auto lender. This company has a documented history of illegal debt collection practices, as evidenced by a {$5.00} XXXX settlement with the Federal Trade Commission ( FTC ) due to violations, including : Collecting money consumers did not owe, harassing consumers and third parties, and disclosing debts to friends, family, and employers. Given this companys record of unlawful conduct, I have serious concerns about the legitimacy of the account being reported on my credit file. Additionally, I have never received proper validation of this debt, which violates 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I believe this company has failed to comply with the Uniform Commercial Code ( UCC ) Article 9, which governs secured transactions. Specifically : Lack of Proper Assignment & Chain of Custody If this debt was sold or transferred, I have not received any proof of assignment or evidence that the alleged creditor has the legal right to collect. Failure to Provide Proper Notice The lender has not sent proper notices regarding any alleged default or repossession, violating UCC 9-611. Unlawful Collection Practices If this account was subject to repossession, I was not provided the required post-sale disclosures under UCC 9-616. I am demanding the immediate removal of account XXXX from my credit report. If this issue is not resolved, I will explore all available legal options, including seeking monetary relief for violations of my consumer rights under both FDCPA, FCRA, and UCC regulations. I expect a prompt response and corrective action to ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
On XX/XX/year> I sent my FTC report to transunion. I have fraudulent accounts reporting on my consumer 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX Original Creditor XXXX XXXX Amount {$210.00} Online XXXX XXXX XXXXXXXX reporting the above information to both XXXX and XXXX XXXX XXXX XXXX. I sent them a dispute to inform them that this account has been fully paid to the original creditor, and I request that they verify the collection agencys procedure regarding this account as mandated by 15 USC 1681 i7. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any negative information on my credit report. I believe that the information being reported is inaccurate, and I kindly ask you to investigate this matter. If the collection agency can not provide the necessary verification of the debt, I request that you remove this item from my credit report. 

I appreciate your attention to this matter and look forward to a resolution. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: AL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-03 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: CL Holdings LLC
State: CA

Complaint narrative:
Please remove all accounts as they ate hurting my ability to obtain credit. I can't even get a cell phone. I've tried for 3 years to have these removed, every way possible and they just won't. I am apart of the XXXX XXXX XXXX data breech and a couple others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Velocity Portfolio Group
State: CA

Complaint narrative:
Please remove all accounts as they ate hurting my ability to obtain credit. I can't even get a cell phone. I've tried for 3 years to have these removed, every way possible and they just won't. I am apart of the XXXX XXXX XXXX  data breech and a couple others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
According to Law FCRA Section 605B it is illegal to report information on my credit report without my permission. I have no knowledge of this account and it has been well over 30 days to investigate and resolve the issue. I want it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
According to Law FCRA Section 605B it is illegal to report information on my credit report without my permission. I have no knowledge of this account and it has been well over 30 days to investigate and resolve the issue. I want it removed from my 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 explanation