vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1.Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date Opened:XXXX 2.Account Name : XXXX XXXX XXXX Account Balance : XXXX XXXX XXXX 3.Account Name : XXXX XXXX XXXX Account Balance : {$250.00} Date XXXX XXXX XXXX XXXX : XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX, MD XXXX INCORRECT NAMES LISTED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: WA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$510000.00} XXXX # XXXX - XXXX - XX/XX/XXXX - {$44000.00} XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$14000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} 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 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 non-monetary relief
Consumer complaint received 2025-03-31 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: Harris & Harris, Ltd.
State: GA

Complaint narrative:
The information that is reporting from HARRIS & HARRIS LTD is a violation of the Fair Credit Reporting Act. Information is inaccurate on account XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-03-31 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
The debt in question was reported by Credit Management Company as a medical bill in the amount of {$1400.00}, but I want to clarify that this is not my debt. I have never incurred this debt or authorized any medical services related to it. Additionally, I have reason to believe that sensitive health information regarding this debt may have been disclosed inappropriately, which would be a violation of my privacy rights under HIPAA.

In light of this, I respectfully request the following : Debt Validation : I ask that the party reporting the debt provide complete and verifiable documentation of the debt in question. This includes : The name of the original medical service provider and any third-party debt collectors involved. A detailed account of the debt, including the original amo
unt, any additional fees, and the services provided.

A full explanation of how this debt is associated with me, including evidence of my authorization or agreement to incur the debt.

HIPAA Privacy Law Violation Review : Please confirm that the medical debt has not been disclosed or shared in violation of HIPAA regulations. If any breach of confidentiality has occurred, I request a thorough review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
This letter is to provide you with knowledge of intent to sue. 
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. 
Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
You may contact me before XXXX via letter at my address listed at the top of this letter. 
This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been & quot; verified & quot ; then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 
The items to be removed from my credit report are list one an attach page. 
I look forward to your response. 

XXXX XXXX XXXX AMOUNT {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was leaked in a data breach. My information was leaked by over XXXX different companies. As a result, derogatory accounts have been placed on my credit report along with unknown addresses and phone numbers. I have paid multiple companies over the last few months to help me, but nothing is changing. I am asking that this request be completed within 4 business days ( FCRA Section 605 B ) and not be treated as a normal dispute that takes a minimum of 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 2025-03-31 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: IL

Complaint narrative:
TransUnion investigated XXXX XXXX XXXXon my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/year> I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/year> now the information has been back on my report again for the third time as of XX/XX/year> and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I did attempt to handle this issue directly with the company in order to not have to go to this, but they are refusing to cooperate in any manner. In fact the last person I spoke to said that the laws do not pertain to their company. Also would like to note that this account has been fraudulently added to two other credit agencies as well XXXX and XXXX both of those credit agencies confirmed that the information was fraudulent and permanently remove the information from my credit report. How can Trans Union be refusing to do the same? after theyve already removed it three times in the past..

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 2025-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently disputed a charge-off account from XXXX XXXX XXXX XXXX however my dispute was denied, and you reported that the account was Verified as accurate XXXX XXXXXXXX XXXX** I disputed this account and even attached screenshotted proof that the information being reported on my credit report was inaccurate, however, it was considered verified and updated according to your alleged investigation. I 100 % believe that the verification process that you performed was NOT done correctly because this debt is not legally enforceable. 

Please prove the method of verification you used to verify this debt. Under the FCRA Section 611 ( a ) ( 7 ), I have a right to know how this debt was verified after I have attached the proof that it was inaccurate. 

I am requesting a DETAILED explanation of the method you used to verify this debt and a full explanation of how the investigation was conducted. Please consider this formal dispute!! 

Specifically, I ask that you provide, The name, address, and contact information of the party that verified the account, a detailed explanation of how the verification was conducted, and copies of any documentation provided by the creditor to verify the accuracy of this charge-off. Also, in accordance with the FCRA, I expect a response within 30 days. If you can not provide the requested information, I demand its deletion from my credit file. 

I am 100 % sure that my dispute was pushed through E-Oscar system that allows the creditor to review and respond with Verified as accurate and this dispute was not thoroughly investigated. Failure to comply, I will seek legal action for failing to follow the federal credit reporting rules. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-03-31 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: IL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-03-31 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX, TX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief