vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Request for Bankruptcy Removal To Whom It May Concern, I am writing to formally dispute the reporting of a bankruptcy on my credit report. I recently reviewed my credit reports from the major credit bureaus and noticed that a bankruptcy is being reported incorrectly. I believe this information is inaccurate for the following reason ( XXXX ) : The bankruptcy case was dismissed and should not appear on my report, Case # XXXX XXXX XXXXXXXX XXXX XXXX DISMISSED I would appreciate a written confirmation of your findings and any actions taken to correct this error. Please respond to this request within the time frame outlined by the FCRA. 
Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX or XXXX if you require additional information. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 U

SC 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 non-monetary relief
Consumer complaint received 2025-02-03 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: 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 U

SC 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following item ( s ) on my credit report. I believe the information listed below is inaccurate, and I request that it be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which governs the accuracy and completeness of credit reporting.

Disputed Item ( s ) : Account # XXXX According to the FCRA, under 15 USC 1681 1 A 1, all information provided to credit reporting agencies must be accurate, complete, and verifiable. This information is currently inaccurate, and I believe it does not reflect my actual credit history.

Furthermore, under 15 USC 1681 1 A 6b3, if the information is being reported by a third party or creditor, they must provide the necessary verification of the accuracy of the data. I request that you, or the reporting creditor, investigate the details and provide me with verification to ensure the accuracy of this item ( s ).

In addition, per 15 USC 1681 1 A 5B, negative information that can not be properly verified must be removed from my credit report. Therefore, if your investigation does not verify the accuracy of the disputed item ( s ), I expect it to be deleted in accordance with these legal requirements.

Please conduct a thorough investigation of the disputed item ( s ) and provide me with the results. I am entitled to receive the results of your investigation within XXXX  days of your receipt of this letter. 

Please send me a copy of my updated credit report once this matter has been resolved. 

Thank you for your attention to this important matter. I look forward to your prompt resolution of this dispute. Should you require any additional information or documentation to assist in your investigation, please contact me at the address or phone number listed above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I spoke to a person at XXXX debt XXXX in XX/XX/year> and got this taken care of and showed proof how debt was illegally tryin to be obtained. My rights were violated and legal time limit was exceeded and several other issues that showed how debt was not valid and the. XXXX years almost to the day they decided to try to scam and throw it on my Credit report and I wrote lady only to be ignored from emailed XXXX years ago she told me she took care of it and today when I called in and spoke to a gentleman there he asked for social and name and was having a hard time finding it or something kept repeating my name back and then proceeded to hang up on me and XXXX get ahold of them when I called back. They know what they are doing is illegal and they are trying to bait me into paying a debt that I legally DO NOT owe and then XXXX years after it was showed with all the proof needed theyre gon na try to add to credit report also a roomate that was signed off the lease XXXX  months prior to vacating unit is now added on debt too this is all illegal actions and Then childish games hanging up on me when I was nothing but friendly and theyre in the wrong. I will not tolerate this and I will not be baited and scammed into a paying a debt that I do not legally Owe whatsoever! They cant even show itemized list of charges also I never signed any disclosure to allow anyone to give my personal information to a third party company whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XXXX Old XXXX XXXX, NY XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g Dear XXXX BANK, I am writing to formally request validation of the alleged debt referenced in your communication dated XX/XX/XXXX ( Account # XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide the following information regarding this debt before I take any further action : 1 Complete Account Information The name and address of the original creditor.

The full account number associated with this debt. 
The date the debt was incurred and a full itemization of the balance, including principal, interest, and any fees added. 
2 Legal Proof of Debt Ownership A copy of the original contract or agreement bearing my signature, if applicable.

Documentation proving that you have the legal right to collect this debt.

A copy of the Forward Flow Agreement or any similar contract that outlines the transfer, sale, or assignment of the alleged debt to your agency.

3 Verification of Collection Authority Proof that your agency is licensed to collect debts in my state. 
The name of your agencys registered agent and the agencys licensing details. 
Until I receive the requested documentation, I do not acknowledge or accept responsibility for this alleged debt. Furthermore, I request that all collection activities, including reporting to credit bureaus, cease until proper validation is provided. 
If you fail to provide the requested information within 30 days, I will consider this matter resolved and expect no further communication regarding this debt. Please send all correspondence in writing to the address listed above. 
Sincerely, 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 2025-02-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XXXX Old XXXX XXXX, NY XXXX Subject : Debt Validation Request Pursuant to XXXX U.S.C. XXXX Dear XXXX BANK, I am writing to formally request validation of the alleged debt referenced in your communication dated XX/XX/XXXX ( Account # XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide the following information regarding this debt before I take any further action : 1 Complete Account Information The name and address of the original creditor. 
The full account number associated with this debt. 
The date the debt was incurred and a full itemization of the balance, including principal, interest, and any fees added. 
2 Legal Proof of Debt Ownership A copy of the original contract or agreement bearing my signature, if applicable.

Documentation proving that you have the legal right to collect this debt.

A copy of the Forward Flow Agreement or any similar contract that outlines the transfer, sale, or assignment of the alleged debt to your agency.

3 Verification of Collection Authority Proof that your agency is licensed to collect debts in my state. 
The name of your agencys registered agent and the agencys licensing details. 
Until I receive the requested documentation, I do not acknowledge or accept responsibility for this alleged debt. Furthermore, I request that all collection activities, including reporting to credit bureaus, cease until proper validation is provided. 
If you fail to provide the requested information within 30 days, I will consider this matter resolved and expect no further communication regarding this debt. Please send all correspondence in writing to the address listed above. 
Sincerely, 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

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 non-monetary relief
Consumer complaint received 2025-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i was a victim in the XXXX data breach my information was compromised and showing accounts that was not authorized by me not actions have not be taken from the company which i have disputed several times before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reporting the repeated reinsertion of the following fraudulent accounts that I have previously disputed and had deleted from my credit report : XXXX CARD ( XXXX ) and XXXX CARD ( XXXX and XXXX ). I initially disputed these accounts several times, and they were successfully deleted from my XX/XX/year> credit report. However, despite their deletion, these same accounts have now reappeared on my XX/XX/year> report. This cycle of deletion followed by improper reinsertion demonstrates a clear disregard for the accuracy of consumer reporting and violates the Fair Credit Reporting Act. Under 15 USC 1681i ( a ) ( 5 ) ( B ), any previously deleted information can not be reinserted unless the furnisher of the information certifies its accuracy, and I am provided written notice of the reinsertion within XXXX business days. I received no such notification, which is a breach of your legal obligations and my rights under the FCRA. Furthermore, the failure to properly investigate and prevent reinsertion demonstrates noncompliance under 15 USC 1681e ( b ), which mandates accurate reporting procedures. Your actions, or lack thereof, expose you to liability under 15 USC 1681n, allowing for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. I demand the PERMANENT REMOVAL of these fraudulent accounts from my credit file to prevent further harm to my financial reputation. Any future unauthorized reinsertion will result in additional legal complaints and enforcement actions. Please confirm, in writing, that the fraudulent accounts have been permanently removed, and provide an explanation of how you will ensure compliance with FCRA standards moving forward.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised.

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 2025-02-03 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff XXXX  CARD XXXX Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX CARD XXXX Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX************* Date Opened XXXX XX/XX/XXXX Balance Owed : {$10000.00} Inquiries XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
-- - ** [ XXXX XXXX XXXX ] ** [ XXXX ] [ Phone Number ] ** [ XX/XX/year> ] ** Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681 I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. 

To resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. 

Please provide me with a formal response within [ specify timeframe, e.g., XXXX  days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation