vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed1666 copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-24 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate account reported on my credit file by Southwest Credit Systems. This account does not belong to me and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

Details of the Disputed Account : Creditor Name : Southwest Credit Systems Account Balance : {$56.00} Date Opened : XX/XX/XXXX Statement of Dispute : I have no knowledge of this account, nor did I authorize its opening. Under XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ), I request an immediate investigation into this matter. Additionally, XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) prohibits data furnishers from reporting inaccurate or unverified information. Any continued misreporting of this account is a violation of my rights. 

Actions Taken : On XX/XX/XXXX I contacted Southwest Credit Systems to dispute the validity of this account.

The company has failed to provide sufficient evidence verifying my liability for this debt. 
I have also submitted disputes with the credit bureaus under XXXX U.S.C. XXXX ( a ) ( 5 ) ( A ), which requires the removal of unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-02-24 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: MI

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I was the victim of a wire fraud/scammer with a gentleman impersonating an bank of america employee . He knew my account numbers and personal information and was able to scam me out of {$9300.00} of a wire transfer to his XXXX XXXX account. 
Bank of America was SLOW to act, and by the time they filed a claim with XXXX XXXX 4 days later the funds had been removed, and he stole {$93000.00} from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 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, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Inquiries in Dispute : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Nature of Complaint : I am filing a formal complaint against **Portfolio Recovery Associates , LLC* for violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and unlawfully invading my financial privacy** through the unauthorized and continued reporting of disputed debts to credit bureaus. Despite my formal written dispute and demand for removal, Portfolio Recovery Associates continues to report these debts, causing **financial injury** by negatively impacting my creditworthiness. 

Violations Committed : 1. Failure to Cease Communication After Dispute ( FDCPA 1692c ) - I formally disputed the debts and requested validation. Instead of halting collection efforts as required, **Portfolio Recovery Associates continued reporting to credit bureaus**, constituting an unauthorized communication.

2. False and Misleading Representations ( FDCPA 1692e ) - The company is **misrepresenting the legal status of the debts** by continuing to furnish them as valid, despite my disputes.

3. Unfair Practices ( FDCPA 1692f ) - By refusing to remove the disputed debts, Portfolio Recovery Associates is using unfair and unconscionable means** to collect the debt.

4. Failure to Verify Before Reporting ( FCRA 1681s-2 ) - Under the Fair Credit Reporting Act, a furnisher **must verify the accuracy of a disputed debt** before continuing to report it. Portfolio Recovery Associates has failed to do
so.

5. Unauthorized Credit Reporting ( FCRA 1681b ) - My credit report is **private information**, and Portfolio Recovery Associates **does not have my express or implied authorization** to furnish any information about me to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: MT

Complaint narrative:
I received a collections e-mail for someone else. The email contained information about the debt and person 's name. I attempted to contact the Caine & Weiner debt collection company to notify them of the mistake. I was unwilling to provide any personal information as I was not doing business with them. Instead of allowing me to notify them that they sent this information to the wrong person, the operator refused to proceed and terminated the call, saying I was not cooperating. I did not feel that they had a right to my information beyond the reference number on the email for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, I requested that the company ( portfolio recovery associates LLC ) provide verification of the debt and remove this collection from my credit report immediately if it can not be validated. Failure to provide this information within 30 days would result in assumption that the debt is not valid. No verification was ever sent me. I sent them this request on XX/XX/XXXX of XXXX. I requested the following : 1. The name of the original creditor and a detailed explanation of the debt, including a breakdown of how the amount owed was calculated.

2. Copies of any documents that substantiate my legal obligation to pay the alleged debt.

3. Proof that the agency is authorized to collect on this debt.

I received no information validating the debt. On XX/XX/XXXX of XXXX  I sent a follow up email letting them know that 30 days had past since since my original correspondence, and I did not received any response or validation of the alleged debt. 
There are two outstanding collections from them. 
1 : {$1500.00} 2 : {$440.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a complaint against JEFFERSON CAPITAL SYSTEMS LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, JEFFERSON CAPITAL SYSTEMS LLC consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, JEFFERSON CAPITAL SYSTEMS LLC actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure JEFFERSON CAPITAL SYSTEMS LLC complies with federal law and provides consumers with the necessary proof of investigation.

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
My phone and purse was stolen with all my personal information inside it was a police report made i did go on identity theft to freeze and write reports. I have submitted this evidence to the XXXX  company. I have contacted them because I XXXX XXXX never nor did authorized them permission to have any of my personal information nor did I get a service from them. I have a bank that I get those things from in person. I have tried to resolve this when I contacted them XXXX received breach data letters from companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I have identified multiple accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX. XXXXXXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX, XXXX. 
Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$950.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
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 2025-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a mortgage with XXXX XXXX  & also a home equity loan. My home equity loan had expired & they sent it to collections & transfered my first mortage to XXXX XXXX. I was not late on any payments for either loan. I contacted them and they directed me to the hardship department even though i was not late on my payments. I explained my situation & told them i needed an extension which they would not do because my home is a modular home & they no longer did home equity loans for them or have it turned into a conventional loan. I sent all paperwork they asked for and after 4 months they told me i was denied because because my XXXX XXXX was too low because i missed XXXX payments that they wouldnt except while i was waiting for them to review my loan. I had a person from a local branch call me a year prior to my loan expiring and she was supposed to be working on refinancing well before it expired. She told me she would call me if there any issues & I never heard from her again. I currently have my home listed for sale because i have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Immediate Action Required : Fraudulent Account Dispute To Whom It May Concern, I am writing to formally dispute the fraudulent account opened under my name, COMENITY BANK/XXXX XXXX XXXXXXXX, with your company. This account is a clear case of identity theft, and I demand an immediate and thorough investigation into this matter. 

I have not authorized any activity or granted permission for an account to be opened under my name. I was shocked to discover that [ provide details of the fraudulent account, such as date of discovery, the nature of the fraud, any suspicious transactions, etc. ]. This account is not mine, and I have never had any intention of engaging in such activity. 

I request that you : Immediately freeze and close this fraudulent account to prevent any further unauthorized transactions. 
Remove all fraudulent charges or activity from my name and credit record. 
Provide a written confirmation that this fraudulent account has been permanently closed, along with a detailed account of the investigation conducted. 
Ensure that this fraudulent account is not reported to any credit bureaus in connection with my personal information.

Company response to consumer: Closed with explanation