vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I mailed a letter to Jefferson Capital for debt validation requesting the following : 1. The original creditors name and account details 2. A detailed itemization of the debt, including principal, interest, and fees 3. Proof that your agency is authorized to collect this debt 4. Documentation verifying that this debt belongs to I received correspondence back stating I needed to provide them with : 1. SSN 2. Account number 3. Date of suspected error 4. Copy of the credit report I believe my rights per the Fair Debt Collection Practices Act has been violated as they did not validate my debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion and XXXX credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER 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 2025-03-16 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:
Request for Certification of Accuracy of Information Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Reporting erroneous information without verification constitutes a violation of my rights under : 15 USC 1681i ( 5 ) ( b ) ( Reinsertion of Deleted Item ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report for your reference. 
Under the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. You have failed to fulfill this legal responsibility. 
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 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 2025-03-16 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: FL

Complaint narrative:
I recently got my credit report & noticed fraudulent accounts on my credit report I demand these accounts be removed from my credit report they are hurting my abilities to get a loan on a house & obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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:
I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of Equifax Data Attacks. The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been impacted by fraudulent account that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$570.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX / {$2700.00} / Fraud Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$8900.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX / {$390.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / {$71.00} / Fraud Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX / {$300.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fraud Date : XX/XX/XXXX Issue : Identity theft resulting in unauthorized creation and reporting of these accounts. 

Equifax has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX 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 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

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 2025-03-16 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: WI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened 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 non-monetary relief
Consumer complaint received 2025-03-16 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: PA

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. 
XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX Account XXXX, XXXX # XXXX, has violated my rights. 

I looked at my TransUnion XXXX and noticed errors and inaccurate items. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-03-16 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information and expect a prompt and reasonable investigation into my claim. The following item ( s ) on my report contain errors :
Equifax, Experion, TransUnion, XXXX XXXX The ingestion did not fix the errs of Data Breach of my personal information XX/XX/year>. 

Enclosed are copies of relevant documents supporting my dispute, including my driver license, social security card and utility bill. 

Under 15 U.S.C. 1681o, failure to comply with the FCRA due to negligence makes the responsible party liable for actual damages, costs, and attorneys fees. If this matter is not resolved appropriately, I will pursue further action to enforce my rights. 
Under 20 U.S.C 1232G ; 34CFR Part 99, which grants me the right to control access to my educational records, as well as Title IV of Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

I request that you correct or remove the disputed item ( XXXX ) within 30 days and provide written confirmation of the changes. Please also send me an updated copy of my credit report reflecting these corrections.

If you require additional information, you may contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and expect a timely resolution. 

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 2025-03-16 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information and expect a prompt and reasonable investigation into my claim. The following item ( s ) on my report contain errors :
Equifax, Experion, TransUnion, XXXX XXXX The ingestion did not fix the errs of Data Breach of my personal information XX/XX/year>. 

Enclosed are copies of relevant documents supporting my dispute, including my driver license, social security card and utility bill. 

Under 15 U.S.C. 1681o, failure to comply with the FCRA due to negligence makes the responsible party liable for actual damages, costs, and attorneys fees. If this matter is not resolved appropriately, I will pursue further action to enforce my rights. 
Under 20 U.S.C 1232G ; 34CFR Part 99, which grants me the right to control access to my educational records, as well as Title IV of Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

I request that you correct or remove the disputed item ( XXXX ) within 30 days and provide written confirmation of the changes. Please also send me an updated copy of my credit report reflecting these corrections.

If you require additional information, you may contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and expect a timely resolution. 

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 2025-03-16 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I sent in A copy of my checking account statement, it shows that there was no late payment for XX/XX/year> and XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CT

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
Request for Certification of Accuracy of Information Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Reporting erroneous information without verification constitutes a violation of my rights under : 15 USC 1681i ( 5 ) ( b ) ( Reinsertion of Deleted Item ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) These accounts were opened illegally by an unknown individual in my name without my knowledge and continue to damage my financial well-being. Under the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. You have failed to fulfill this legal responsibility. 
XXXX. XXXX  : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX  XXXX : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : # XXXX : | Date Fraud Begun : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : # XXXX : | Date XXXX XXXX : XX/XX/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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stuart-Lippman and Associates, Inc
State: GA

Complaint narrative:
I XXXX XXXX XXXX XXXXXXXX accidentally due to my dog jumping around the front seat while I was in drive. I paid incident to the police. Months later, I found out there has been mail getting sent to my parents ' house, my Parents says they have been receiving mail from another state asking for my homeowners and renters insurance with a amount of claim increasing, without me even knowing that I was in debt. Before in the upcoming months to this event they would toss the mail aside without opening and me and my parents don't usually talk, so they wouldn't notify me I had mail. The mail never got sent to where I was living. Where I live i get all the mail from my XXXX  and important updates like XXXX  bills and work checks, so I had no need to ask if I had gotten mail from my parents. In the mail there is no way to verify the claim of debt or even a option for disputing.

Company response to consumer: Closed with explanation