vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 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: MA

Complaint narrative:
I previously disputed this account with Equifax, TransUnion, and XXXX, as it does not belong to me. Following my dispute, XXXX deleted the account from my credit report, acknowledging that it was not mine. However, Equifax and TransUnion claimed to have verified the account as mine but failed to provide any proof to substantiate their findings. 

I am not liable for this debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification. 

I request that Equifax and TransUnion conduct a thorough reinvestigation and provide documented evidence supporting their verification. If such evidence can not be provided, I demand the immediate removal of this account from my credit file.

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 2025-03-19 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 am writing to dispute an account reported by XXXX XXXX on my credit report. As the Trustee of the trust associated with this account, I have no recollection of entering into any contract or agreement with this collection agency. 

I am demanding the immediate removal of this account from my credit report. XXXX XXXX  has failed to provide essential documentation that would substantiate the validity of this debt. Specifically, they have not been able to provide any of the following : Copies of any contracts, agreements, or instruments related to the choice in action. 
Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the choice in activities, including court filings, judgments, and settlements. 
Correspondence and communications relating to the choice in action. 
Any other documents or records that would provide insights into the nature, ownership, or status of the action. 
Without proper documentation to substantiate this debt and prove the legitimacy of their claim, I am requesting that this account be removed from my credit report. The company 's failure to provide basic supporting documentation raises doubts about the validity of this debt and should lead to its removal. 

The account details are as follows : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Collection Account Condition : Collection Date Opened : XX/XX/2021 Account Balance : {$62.00} Last Reported : XXXX Amount Past Due : {$0.00} Remarks : None Responsibility : Individual Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information. 
o If you obtained or shared my information without this consent, you are in violation of this statute. 
3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: SC

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

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 generallf, after any reinvestigation 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 reinvestigation; 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 2025-03-19 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: SC

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

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 generallf, after any reinvestigation 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 reinvestigation; 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 explanation
Consumer complaint received 2025-03-19 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-19 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: MA

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : 1. The payment status and the payment history of each account are incorrect. 

XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  TransUnion / Experian/ Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Account Number XXXX XXXX TransUnion / Experian/ Equifax

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 2025-03-19 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: MA

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : 1. The payment status and the payment history of each account are incorrect. 

XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  TransUnion / Experian/ Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Account Number XXXX XXXX TransUnion / Experian/ Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
My personal information is all over the internet. I have been severely affected by the data breach. I am beyond frustrated and deeply disappointed with Equifax, Experian, and TransUnion for their continuous failure to protect our most sensitive personal information. In the past I didn't understand credit at all. It wasn't until recently of me trying to use my credit to purchase a home for me to realize the damage done over the years. There are several negative inaccurate accounts on my consumer report with Equifax, Experian, Transunion, XXXX XXXX, and more as well. Isn't it against the law to report inaccurate information on consumer reports. 15 U.S.C. 1681. I see that some auto loans have been taken out in my name. I see a lot of negative inaccurate information on my credit report that wasn't done by me. Equifax, Experian, and TransUnion have failed to secure our data, leaving millions of people, including myself, vulnerable to fraud, identity theft, and financial instability.This is not just an inconvenience ; it has severely impacted my livelihood. I have worked hard to maintain my financial health, yet these companies ' negligence has put my security at risk. The stress of constantly monitoring my credit, disputing fraudulent activities, and worrying about potential financial damage is overwhelming. These data breaches are not minor errors they are catastrophic failures that disrupt lives. We, as consumers, do not have a choice in whether these agencies collect our information. Yet, despite their responsibility to safeguard our data, they have continuously failed, offering only generic apologies and insufficient remedies. It is unacceptable that the very institutions that dictate our financial credibility can not be trusted to protect the information they demand from us. I am demanding stronger protections for consumers. We should not have to live in fear of the next breach, the next fraudulent charge, or the next financial hurdle caused by their carelessness. Enough is enough. I can only image how many breaches have taken place since XX/XX/year> when the fraud occurred. Everyone has a specific profession, not everyone is pros at understanding credit. I am just now gaining the knowledge of this identity theft that has taken place. Who knows how long this has been going on. I will include the information about the Equifax Data Breach in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I currently applying for an apartment. My Experian credit file is supposed to be frozen. I am looking at the information provided by Experian is reporting to the agency that I have incorrect information being reported.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-19 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: FL

Complaint narrative:
XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Lending Services LLC
State: OH

Complaint narrative:
Company misrepresented information called family members and associates and wasnt trying to negotiate a fair price

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile

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