vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXX BALANCED {$1200.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX XXXX XXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am filing a complaint against Rent Recovery Solutions, LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX, for failing to respond to my multiple attempts to provide evidence that a collection account they have reported against me is the result of identity theft. 

I have already provided proof of my long-term Texas residency to an Arizona court XXXX which confirmed that I have never lived at XXXX XXXX or opened any accounts with them. The court issued a final order on XX/XX/XXXX, officially removing the judgment from my name. I have police reports, FTC identity theft reports, and the signed court order verifying that I was not the person who lived in XXXX XXXX. 

Despite my efforts to contact Rent Recovery Solutions to provide this documentation, they have not responded to my calls and have not provided any email or mailing address where I can submit the necessary documents to clear this fraudulent debt. 

This inaccurate collection is not just an issue on my credit reportit is actively preventing me from moving my family to a new home in XXXX. I have never had any credit issues, late payments, or collections in my life, yet this fraudulent debt is now standing in the way of securing housing for my family. 

I am requesting that the CFPB intervene to ensure that Rent Recovery Solutions acknowledges my dispute, allows for a pathway to provide the proof, reviews my documents, and removes this fraudulent collection account from my credit report immediately. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I ordered a chest from XXXX XXXX. 
The furniture was delivered damaged, and XXXX XXXX the delivery company, took it back with them. 
XXXX, reshipped the piece of furniture, however, it took weeks, for the delivery, when XXXX arrived again, by XXXX XXXX, they arrived late, and again this dresser was damaged on the inside. I had to request XXXX, to have the dresser picked up, it took many weeks for this to happen. Unfortunately, XXXX Bank, the credit card issuer, for XXXX started charging me finance charge, on this dresser. 
I also ordered a set of outdoor furniture from XXXX during this same time period, I then called XXXX to cancel the outdoor furniture order, upon discovering it was on back. Unfortunately, I was not issued a credit for many weeks, and again XXXX Bank, began charging me finance charges on merchandise I cancelled and never received To keep my account in good standing, I issued payments to XXXX Bank, for merchandise that was either damaged or cancelled, and never received I have contacted XXXX Bank a dozen times, Ive contacted XXXX as well They both refuse to issue me a credit for the finance charges, and reimburse me for over payments. 
Horrible, service, and no one should have to spend hours on the phone with a credit card company over simple arithmetic, and worse their business practices are against the law

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I have formally disputed the inaccurate information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, which establishes civil liability for willful noncompliance.

Upon reviewing my credit report, I discovered several inaccurate items. According to my records, the reported information is inaccurate because it was not given from me nor was my permission given. Under the FCRA, you are required to investigate this dispute and correct or delete the inaccurate information within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$68000.00}

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Subject : Dispute of Debt Reporting on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt that is being reported on my credit report, which I am unsure belongs to me. Despite my attempts to obtain validation of this debt, it continues to negatively impact my credit score.

Details of the Complaint : Debt Collector/Creditor Name : JEFFERSON CAPITAL SYSTEMS LLC Account Number ( if available ) : [ Insert Account Number ] Amount of Debt : $ XXXX {$680.00} Credit Bureaus Reporting the Debt : [ XXXX, XXXX, XXXX ] Issues with the Debt : 1. I do not recognize this debt and have no recollection of incurring it.

2. I have requested debt validation from the creditor/collection agency, but I have not received sufficient proof that this debt is mine.

3. The continued reporting of this debt is unfairly damaging my credit score and causing financial hardship.

Requested Resolution : I request that the CFPB investigate this matter and require the creditor/collection agency to provide proper validation of the debt. 
If they can not verify the debt with legally sufficient proof, I request that it be removed from my credit report immediately. 
I also request that any credit reporting agencies update my credit file accordingly. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at XXXX or XXXX for any further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
The company reported that i owe them {$2500.00} a debt that i don't even know where it coming from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
reported identity theft to all 3 credit companies, information is not valid, reported unauthorized use of PIIl, companies have not replied. disputed with credit compaines and gotten no reply, recent victim of identity theft/ATO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I have formally disputed the inaccurate information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, which establishes civil liability for willful noncompliance.

Upon reviewing my credit report, I discovered several inaccurate items. According to my records, the reported information is inaccurate because it was not given from me nor was my permission given. Under the FCRA, you are required to investigate this dispute and correct or delete the inaccurate information within 30 days.

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 2025-02-17 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:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Hi my name is XXXX XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : Date open is incorrect, Date reported, You can not report a term length and past due amount on a charged off account, The highest balance is in correct this car was sold at auction Please remove these from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: KS

Complaint narrative:
I came across the CFPB Experian lawsuit.

I feel I like was negatively impacted by the lawsuit, feeling I have no chances with my credit. I normally, check my credit report and out of nowhere in my credit score dropped tremendously. The opened dates aren't accurate nor does the duration of the negative ideas on my report, and personal information doesn't match. Verify proof or delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I previously resided at XXXX XXXX XXXX in XXXXXXXX XXXX. Upon my move-out, I provided more than 30 days ' notice and ensured that my balance was paid in full. Despite this, I later received a collection letter falsely stating that I owed {$10000.00}. I immediately disputed this claim. Subsequently, a revised letter was sent claiming I now owed {$4600.00}. I have made multiple attempts to contact the apartment management to obtain documentation supporting these alleged debts but have not received any response. 

Actions Taken by Me : Provided over 30 days ' notice of my move-out. 
Paid my balance in full as per the agreement. 
Disputed the initial debt claim of {$10000.00}. 
Attempted to contact the management for documentation regarding the revised claim of {$4600.00} without success. 
Actions Taken by the Company : Issued a collection letter for a debt of {$10000.00}, which was disputed. 
Revised the debt amount to {$4600.00} without providing any supporting documentation or response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 BY THE 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-02-17 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: OH

Complaint narrative:
Subject : Urgent Request for Immediate Deletion of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent accounts and inquiries that appear on my credit report as a result of identity theft. Attached is a copy of my FTC Identity Theft Report ( Report Number : XXXX ), which serves as official proof that I am a victim of identity theft. 

Fraudulent Accounts & Inquiries : 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  ) In accordance with 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ), I am requesting the immediate deletion of these fraudulent accounts and inquiries from my credit report. Under this law, you are required to block this information upon receipt of appropriate documentation, and I have provided my FTC Identity Theft Report as sufficient evidence. 

Additionally, under 15 U.S.C. 1681s-2, the credit bureaus must ensure the accuracy of credit reports. Reporting different account statuses across the three bureaus constitutes inaccurate reporting, further violating federal law.

Actions Required : 1. Immediately remove all fraudulent accounts and inquiries listed above from my credit file.

2. Provide written confirmation that these items have been permanently deleted.

3. Refrain from reinserting any fraudulent information into my report. 

Failure to comply will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. I am also prepared to take legal action to enforce my rights under federal law. 

This letter serves as my official notice. I expect compliance within the legally mandated timeframes. Please confirm receipt of this dispute and provide a response in writing. 

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 2025-02-17 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: NC

Complaint narrative:
I have reported multiple times of things that were reported without my authorization and requested those accounts to be removed. They still remain on my report without proof of substantiated validation. I demand all negative inquiry accounts reported to be removed within 10 days of this notice to prevent further litigation. In addition, according to Title 18 U.S.Codes, I can't possibly owe any debt. Thus, violating my consumer right to privacy pursuit to Title 15 USC 1681 ( b ) ( 2 ), and Title 15 USC 1681 ( 4 ).

Company response to consumer: Closed with explanation