vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the outdated and incorrect personal information listed on my credit report. The following items are no longer accurate and should be removed : Addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Upon reviewing my credit report, I noticed that the addresses mentioned above are outdated These entries are inaccurate and could lead to confusion or potential misreporting in the future. I have taken steps to update my information with all relevant creditors and financial institutions. For accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) .Pursuant to Section 605 ( 15 U.S.C. 1681c ) of the Fair Credit Reporting Act ( FCRA ), any obsolete information, including outdated addresses that are no longer relevant to my current credit report, should not be reported. The inclusion of this outdated address is in violation of this provision, as it is no longer accurate or applicable.

Additionally, under Section 611 ( 15 U.S.C. 1681i ) of the FCRA, I am exercising my right to dispute this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the outdated and incorrect personal information listed on my credit report. The following items are no longer accurate and should be removed : Addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Upon reviewing my credit report, I noticed that the addresses mentioned above are outdated These entries are inaccurate and could lead to confusion or potential misreporting in the future. I have taken steps to update my information with all relevant creditors and financial institutions. For accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) .Pursuant to Section 605 ( 15 U.S.C. 1681c ) of the Fair Credit Reporting Act ( FCRA ), any obsolete information, including outdated addresses that are no longer relevant to my current credit report, should not be reported. The inclusion of this outdated address is in violation of this provision, as it is no longer accurate or applicable.

Additionally, under Section 611 ( 15 U.S.C. 1681i ) of the FCRA, I am exercising my right to dispute this inaccurate information.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
hello dear credit bureus, i have check my report and i have 3 late payments on this account : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Open Open Open Monthly Payment : {$1500.00} {$1500.00} {$1500.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55000.00} {$55000.00} {$55000.00} No. of Months ( terms ) : Monthly 75 Months Monthly ( due every month ) High Credit : {$89000.00} {$89000.00} {$89000.00} Credit Limit : {$0.00} - - Past Due : {$0.00} - - Payment Status : Paid or paying as agreed Current, was past due 90 days Pays account as agreed Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK Experian OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK it should be late it should be current. 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 2025-01-08 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: KY

Complaint narrative:
In accordance with the fire credit reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX bankruptcy 15. U s.c. 1691 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 consent or instructions.

15 u.s.c. 1681 a ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information in any adverse item of information, other than records of convictions of crime which atedces the report by more than 7 years.

U.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows of his responsible cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TN

Complaint narrative:
I reviewed a recent copy of my credit report, and this account is being fraudulently reported which is effecting my ability to obtain credit. Please remove this account from my credit report.

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 2025-01-08 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: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

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 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 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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one was very unethical in a disputed transaction. My phone was stolen, email was hacked, charges were put on my card with my information stored in my phone. I disputed the charges and was told it would be resolved in 90 days. They barely investigated. They took the word of the fraudulent company over the consumer who was completely ruined by the situation. My accounts have been overdrawn bills have been late. My credit is ruined. They lacked any sense of urgency other than to deny the dispute. The transactions were not that of mine and all of my money was wiped out. They have been the worst bank I have ever had. Putting outrageous holds on all checks deposited and causing financial strife at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Dispute of Inaccurate Information and Potential FDCPA Violations Subject : Portfolio Recovery Associates- Dispute Regarding Inaccurate Information on Credit Report Account Details : Creditor Name : Portfolio Recovery Associates Open Balance : {$470.00} Date Opened : XX/XX/year> Type of Account : Collection Creditor Information : Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Explanation of Dispute : I am submitting this dispute to formally address inaccuracies regarding an account reported by Portfolio Recovery Associates on my credit report. Additionally, I am raising concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692c - Communication in connection with debt collection.

Here are the key issues : 1. Verification and Validation of the Debt : I have not received adequate validation or documentation verifying the validity of this debt as required under the FDCPA. Without proper validation, this debt should not be reported. 
The information reported, including the balance and account status, appears to be inconsistent with the original creditors records.

2. Potential Violations of Communication Standards : Under 15 U.S. Code 1692c, Portfolio Recovery Associates must ensure all communications are compliant with federal law. Any improper communication or failure to respect my rights regarding debt validation undermines the legitimacy of this account.

3. Inaccurate Reporting : Based on my records, I believe the information on this account is inaccurate and unverifiable. As such, I request that this account be investigated and corrected or removed if inaccuracies are found.

Requested Resolution : I request the following actions : 1. Conduct a thorough investigation into the accuracy of this account.

2. Provide written confirmation that the debt has been verified and validated according to FDCPA and FCRA standards.

3. Remove any information that is inaccurate, unverifiable, or outdated.

Additional Notes : Please note that Portfolio Recovery Associates must comply with 15 U.S. Code 1692c in all future communications, including respecting my right to dispute this debt and the requirements for proper validation under 15 U.S. Code 1692g.

Thank you for your attention to this matter. I expect a resolution in accordance with the Fair Credit Reporting Act ( FCRA ) and FDCPA guidelines within the 30-day timeframe required by law. 

If further information is required, I can be contacted at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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 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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
After looking at my credit report I have noticed that I have been a victim of identity theft/ identity fraud. An account was opened on XX/XX/XXXX for a credit card with a limit of {$3000.00} that I did not open. I have sent a certificated letter to this company with documents verifying my identity that they received on XX/XX/XXXX. It has been past XXXX days since this company has had my letter and I have not had a response from this company about my dispute status or the process of how they investigate matters like this one. My rights are being violated by this company under the Fair Credit Reporting Act due to the fact that I have not had a response within XXXX days of them receiving my letter. I am asking that this account be deleted and removed from my records immediately. Here is the article number and tracking number for my certificated letter and documents with the letter Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Can you please help me with this unfortunate and time consuming matter. Thank 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 2025-01-08 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: AL

Complaint narrative:
I am a victim of identity theft. I have advised the credit bureaus of this on multiple occasions. My personal information was exposed in multiple data breaches. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

-Copy of my driver 's license as verification of Identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2025-01-08 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:
upon reviewing my consumer credit file i noticed there were numerous inaccuracies that i the consumer didn't recognize, nor applied for. the account in question is : XXXX XXXX XXXX Bank and the account is ending in XXXX. This is inaccurate and should not be reflecting on my consumer account. please see identity theft report attached

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 2025-01-08 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:
upon reviewing my consumer credit file i noticed there were numerous inaccuracies that i the consumer didn't recognize, nor applied for. the account in question is : XXXX XXXX XXXX Bank and the account is ending in 6937. This is inaccurate and should not be reflecting on my consumer account. please see identity theft report attached

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 2025-01-08 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IN

Complaint narrative:
Equifax reported an involuntary repossession on my credit report for XXXX years, even after I sent them proof that the car lending company was in litigation with the CFPB. I filed XXXX complaint, and they responded, stating that I needed to be more specific and that they needed account numbers, etc. I enclosed, and am enclosing again, the letter from the car lender with their company name, address, account number, and personal information. It specifically states all the requested information and a statement that says the account is closed and no further money is owed. EQUIFAX PLEASE SEE THE ENCLOSED DOCUMENT THAT I HAVE UPLOADED WITH THE COMPLAINT! IT ALSO INCLUDES THE CAR MAKE, MODEL, XXXX, AND YEAR! 
P.S. THIS IS THE AGREEMENT WITH THE CAR LENDER AND ME. EQUIFAX PREMATURELY REPORTED IT AS A VOLUNTARY REPOSSESSION, THUS, INACCURATELY AND INCOMPLETELY REPORTED IT ON MY CREDIT FOR XXXX YEARS!

Company response to consumer: Closed with explanation