vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: VA

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 2025-03-01 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested my credit file from Equifax via their secure platform under FCRA Section 609, providing drivers license, Social Security, paystub, and W-2. I explained I use a storage unit address ( XXXX XXXX XXXX XXXX XXXX, FL ) due to job loss and homelessness, and asked them to stop sharing my info. They repeatedly demanded the same IDs, ignored my situation, and replied on XX/XX/year> with a copy-paste response, refusing my file. This blocks me from fixing errors hurting my job prospects. I sent a final notice XX/XX/year> stating Id pursue legal action due to their abusive conduct. 

Equifax has identified my complaint with this code : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Equifax I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report.

Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$3500.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter.

Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I

requested that TransUnion Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to this matter.

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 2025-03-01 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain collection accounts listed on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. 

Legal Basis for Dispute : FCRA 15 U.S.C. 1681i ( a ) : Requires credit bureaus to investigate disputes and remove inaccurate or unverifiable information within 30 days. 
FDCPA 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection activities until verification of the debt is provided. 
Recent Legal Precedents : Equifax Data Breach Settlement ( XXXX  ) : Highlighted the importance of data accuracy and consumer rights. 
Experian Class-Action Lawsuits : Recent cases reinforced the responsibility of credit bureaus to ensure the integrity and accuracy of reported data. 
1. A closed account shouldnt have an outstanding balance If XXXX XXXX is still being collected via garnishment, it shouldnt be reported as a closed debt unless fully satisfied. 


2. Your payments arent reflected Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers ( agencies that report data ) are required to provide accurate and complete information. If they report a balance but fail to include the payments made, thats misleading and inaccurate reporting. 


3. XXXX XXXX isnt a traditional consumer debt Under 15 U.S.C. 1692a ( 5 ) ( FDCPA ), child support does not qualify as a consumer debt, so its reporting must meet specific legal standards.

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 2025-03-01 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain collection accounts listed on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. 

Legal Basis for Dispute : FCRA 15 U.S.C. 1681i ( a ) : Requires credit bureaus to investigate disputes and remove inaccurate or unverifiable information within 30 days. 
FDCPA 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection activities until verification of the debt is provided. 
Recent Legal Precedents : Equifax Data Breach Settlement ( XXXX  ) : Highlighted the importance of data accuracy and consumer rights. 
Experian Class-Action Lawsuits : Recent cases reinforced the responsibility of credit bureaus to ensure the integrity and accuracy of reported data. 
1. A closed account shouldnt have an outstanding balance If XXXX XXXX is still being collected via garnishment, it shouldnt be reported as a closed debt unless fully satisfied. 


2. Your payments arent reflected Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers ( agencies that report data ) are required to provide accurate and complete information. If they report a balance but fail to include the payments made, thats misleading and inaccurate reporting. 


3. XXXX XXXX isnt a traditional consumer debt Under 15 U.S.C. 1692a ( 5 ) ( FDCPA ), child support does not qualify as a consumer debt, so its reporting must meet specific legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got my tax return into my venmo account which was about XXXX dollars. I went to XXXX XXXX  and opened up a new checking account and added it to My venmo to transfer my remaining balance and they suspended my account for suspicious activity and told me I needed to provide documentation to verify my identity. I sent my driver liscence and a deposit slip for my bank since it was brand new and had no deposit history. On XX/XX/XXXX I requested the deposit info from the bank directly and uploaded it. They then tried to inform me they can not verify I have direct access to the account and will not give me my money. They can call chase directly and verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
Ive asked for proof of debt with company, and did not receive a response. Its reported on my credit report as they validated debt. 
Ive also receive multiple texts and calls form them about owing them money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
This letter serves as a formal demand for the immediate removal of an inaccurate late payment reported by XXXX XXXX XXXX on my Experian credit report. The late payment reported for XX/XX/scrub> 2024 under Account # XXXX is incorrect and must be corrected immediately. 

Under 15 U.S. Code XXXXi ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to modify or delete information that is inaccurate, incomplete, or unverifiable without unnecessary investigation or delay. This late payment is being disputed as inaccurate, and per FCRA XXXX ( b ), you are obligated to ensure the maximum possible accuracy of all consumer data. 

Additionally, per 15 U.S. CXXXXe XXXX ( a ) ( XXXX ) ( B ), data furnishers are prohibited from reporting information they know or should reasonably know to be inaccurate. Since you are publishing this incorrect late payment, you are in direct violation of federal law. 

I am NOT requesting an " investigation '' I am demanding an IMMEDIATE update. 
Any failure to correct this reporting within XXXX ( XXXX ) days will result in the following actions : Official complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
Legal action under FCRA XXXX & XXXX for willful noncompliance, making you liable for statutory and punitive damages. 
I expect an immediate correction and an updated credit report reflecting the removal of this fraudulent late payment. If Experian fails to comply, I will have no choice but to escalate further. 

This is your final notice. Correct this immediately. 

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 2025-03-01 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I

n 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 2025-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX, Acct ending in 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 2025-03-02 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX, Acct ending in 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 2025-03-01 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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