vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against EQUIFAX, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IL

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IL

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TRANSUNION, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis. 

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.

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 2024-10-29 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29 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: AZ

Complaint narrative:
I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) 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 2024-10-29 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: NY

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Completed the form and never got a text and tried repeated times to get my credit report which is my right under Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Under the FCRA, consumers are entitled to : XXXX free credit report per year from each of the XXXX major credit reporting agencies ( XXXX, XXXX, and TransUnion ) through AnnualCreditReport.com. 
Additional free reports under specific conditions, such as if a consumer has been denied credit, is unemployed and plans to look for work within XXXX  days, or is a victim of identity theft. 
Consumer Rights and Remedies under the FCRA If a credit bureau willfully fails to provide a consumer with access to their credit report, the FCRA allows consumers to pursue legal remedies. Specifically : Actual Damages : Consumers can recover the actual damages they suffered due to the bureau 's actions ( e.g., if they were denied credit, housing, or employment because they couldnt review or correct errors in their report ). 

Punitive Damages : The FCRA allows courts to impose punitive damages against the credit bureau for willful violations of the law. While theres no specific cap set by the FCRA on punitive damages, courts consider the severity and impact of the bureaus conduct in determining the amount, which can sometimes be substantial. 

Statutory Damages : In the case of willful noncompliance, consumers may receive statutory damages between {$100.00} and {$1000.00} per violation, even if they cant prove specific monetary harm. 

Attorneys Fees and Costs : If the consumer prevails in a lawsuit under the FCRA, they may also recover reasonable attorneys fees and costs. 

In situations where credit bureaus violate these provisions, the courts determine punitive damages based on the level of willfulness, harm caused, and any pattern of neglecting consumer rights. 


Fill out a form XXXX XXXX. Pick the reports you want. XXXX the reports you want XXXX XXXX Review your reports online. 
XXXX XXXX your reports online Get your next report or finish Have questions? 
Contact us XXXX icon Check your text messages Use the confirmation link sent to your phone ending in 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 2024-10-29 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: AZ

Complaint narrative:
After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : 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 2024-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
I had just received the notice, and was about to send it out, because the XXXX website didnt say where the {$500.00} fee came from, when I received XXXX harassing phone calls from them. 

They tried to accuse me or breaking my lease or not paying rent, and I told them that I was working with National Debt Relief and was filing it with them, since I refuse to pay a debt without proof of debt. They said oh well, its your credit that youre ruining, not mine. 

I sent out the letter wanting to dispute it, for proof that I owed the {$500.00}, since I couldnt find any proof. They never responded back with any proof. 

I just got an email from XXXX XXXX that they added this {$500.00} ( {$510.00} now ) collection to my credit report, yet they still havent sent me any proof that I owe {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TRANSUNION, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights. 


3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.

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