vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Debt Collection under 15 USC 1692 ( c ) Dear Sir/Madam, I am writing to formally dispute information contained in my credit report as provided by your bureau. This letter is a notice of dispute under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I have noticed that my credit report contains inaccurate information regarding a debt from XXXX, account number XXXX. According to 15 USC 1692 ( c ), I have the right to request validation of this debt, and I believe the reported information is inaccurate for the following reasons : 1. Nature of the Debt : Debt not owed.

2. Statute of Limitations : Debt is beyond the statute of limitations.

To resolve this matter, I am requesting that you : 1. Investigate and Verify :
Conduct a thorough investigation of this disputed account.

2. Remove or Correct : If the information is found to be inaccurate or unverifiable, please remove or correct the information on my credit report.

3. Confirm in Writing : Provide me with written confirmation of the actions taken regarding this dispute. 
I expect this dispute to be investigated under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and FDCPA, and to be resolved promptly within the 30-day time frame required by law. Failure to comply may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and keep me informed of the status of your investigation. 

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 non-monetary relief
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Debt Collection under 15 USC 1692 ( c ) Dear Sir/Madam, I am writing to formally dispute information contained in my credit report as provided by your bureau. This letter is a notice of dispute under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

I have noticed that my credit report contains inaccurate information regarding a debt from XXXX, account number XXXX. According to 15 USC 1692 ( c ), I have the right to request validation of this debt, and I believe the reported information is inaccurate for the following reasons : 1. Nature of the Debt : Debt not owed.

2. Statute of Limitations : Debt is beyond the statute of limitations.

To resolve this matter, I am requesting that you : 1. Investigate and Verify : Conduct a thorough investigation of this disputed account.

2. Remove or Correct : If the information is found to be inaccurate or unverifiable, please remove or correct the information on my credit report.

3. Confirm in Writing : Provide me with written confirmation of the actions taken regarding this dispute.

I expect this dispute to be investigated under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and FDCPA, and to be resolved promptly within the 30-day time frame required by law. Failure to comply may result in further action.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and keep me informed of the status of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LEXISNEXIS
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: GA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-30 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: SC

Complaint narrative:
I am filing this complaint due to the continued inaccurate reporting of an account that I have previously disputed with both the credit reporting agencies and the furnisher, yet the issue remains unresolved. 
I am disputing the accuracy of an account with XXXX XXXX  being reported on my consumer file. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I have the right to challenge false, misleading, and inaccurate information on my credit profile. The FCRA explicitly states furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. 

I have contacted the entity reporting this debt multiple times, requesting verification, including proof of ownership and legal standing to collect. Despite my repeated requests, they have failed to provide any documentation demonstrating their authority over the alleged obligation. Their continued failure to respond appropriately raises concerns about the legitimacy of their claim. 

Additionally, I have reviewed the companys XXXX report, which suggests that the debt in question may have been securitized. If this is the case, the original creditor is no longer the true owner. Without proper documentation proving their right to collect, the reporting of this account is inaccurate and misleading. 

I have attached copies of my correspondence with this company, including references to their own financial disclosures, which further cast doubt on the validity of the reported debt. Given their failure to provide the required verification, I formally request that this account be permanently removed from my consumer file immediately. 

If the account is not removed, I request that you provide verifiable documentation proving the entitys legal standing to furnish this information.

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 2025-01-30 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of an account listed on my credit report, which was opened without my authorization and is the result of identity fraud. This account was fraudulently opened in my name, and I insist that it be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Financial Corporation
State: CO

Complaint narrative:
Was contacted by a representative from XXXX XXXX XXXX XXXX ( XXXX  ) their phone number listed on caller ID was ( XXXX ) XXXX on XX/XX/XXXX. Regarding a repossessed car from XXXX that I did have at the time, XXXX XXXX. They stated I owed {$9000.00}, but would settle for {$6000.00}. They requested I call them back at the phone number ( XXXX ) XXXX. When I called I spoke with XXXX XXXX, who sent me an email letter requesting a signature and showing the amount owed. I never signed the document. The collector listed on the XXXX is The XXXX XXXX. XXXX  address at the top of the document is listed as XXXX XXXX XXXX XXXX in XXXX, California. When I looked up this address on the XXXX XXXX XXXX website, the owner is a health and fitness company. No address for XXXX XXXX  XXXX. There is a link on the email to email XXXX which fake. The creditor listed is the Gold Acceptance out of orange, California. When I called to confirm the debt, I was directed to email XXXX. I have yet to hear back from anyone, as of this being submitted. I never paid any money. 

I reviewed all my credit reports and they show nothing in collections

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 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 non-monetary relief
Consumer complaint received 2025-01-30 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 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 non-monetary relief
Consumer complaint received 2025-01-30 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:
Dear CFPB, I am writing to formally dispute inaccurate and/or negligent information on my credit report against XXXX. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681o, credit reporting agencies and furnishers of information have a duty to maintain accuracy and ensure their reporting is free from negligence. The following accounts contain incorrect and/or misleading information that has negatively impacted my creditworthiness : XXXX Incorrectly marked as late despite a {$0.00} balance XXXX  XXXX Incorrect balance of {$230.00} XXXX  XXXX Incorrect balance of {$1700.00} XXXX XXXX XXXX  Incorrectly marked as late despite a {$0.00} balance XXXX  Incorrect balance of {$4900.00} XXXX  Incorrect balance of {$7800.00} XXXX  Incorrect balance of {$4700.00} These inaccuracies constitute negligent reporting under the FCRA. I request an immediate investigation into these accounts and that any inaccurate information be corrected or removed. Please provide written confirmation of your investigation results and the corrective actions taken. 

In accordance with the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If these inaccuracies are not addressed, I may be forced to escalate this matter, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for damages caused by this negligence. 

Attached are copies of my identification, proof of address, and supporting documentation to facilitate your investigation. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and look forward to your response. 
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 non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate and/or negligent information on my credit report against Equifax. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681o, credit reporting agencies and furnishers of information have a duty to maintain accuracy and ensure their reporting is free from negligence. The following accounts contain incorrect and/or misleading information that has negatively impacted my creditworthiness : XXXX Incorrectly marked as late despite a {$0.00} balance XXXX  XXXX Incorrect balance of {$230.00} XXXX  XXXX Incorrect balance of {$1700.00} XXXX XXXX XXXX  XXXXncorrectly marked as late despite a {$0.00} balance XXXX  Incorrect balance of {$4900.00} XXXX  Incorrect balance of {$7800.00} XXXX  Incorrect balance of {$4700.00} These inaccuracies constitute negligent reporting under the FCRA. I request an immediate investigation into these accounts and that any inaccurate information be corrected or removed. Please provide written confirmation of your investigation results and the corrective actions taken. 

In accordance with the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If these inaccuracies are not addressed, I may be forced to escalate this matter, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for damages caused by this negligence. 

Attached are copies of my identification, proof of address, and supporting documentation to facilitate your investigation. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and look forward to your response. 
Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MO

Complaint narrative:
My cashapp account was stolen. They changed my phone number, email, and cash tag. They stole money from the borrow feature and cash app refuses to do anything about it and now theyre saying I owe them money. I filed a police report on this as and the detective is having a hard time trying to figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-01-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 1681i ( a ) ( 5 ) ( A ) ( Can not verify must delete ) 1681s-2 ( a ) ( 1 ) ( A ) ( Reporting incorrect information ) 1681s-2 ( b ) ( Failure to verify in dispute process )

Company response to consumer: Closed with non-monetary relief