vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: TX

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.

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 a 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 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 2025-02-14 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: TX

Complaint narrative:
Subject : Formal Complaint Incorrect Collection Account Reporting Despite Court Dismissal To Whom It May Concern, I am filing a formal complaint against [ Credit Bureau XXXX XXXX XXXX XXXX, XXXX, and/or Experian ] for their continued reporting of a collection account that was dismissed in court, ruling that I do not owe this debt. This inaccurate reporting violates my rights under federal law and must be corrected immediately. 

Details of the Disputed Account : * Creditor Name : XXXX XXXX XXXX  SD * Account Number : XXXX * Court Case Number : XXXX * Court Dismissal Date : XX/XX/year> The court dismissed the case on XX/XX/year>, legally determining that I do not owe this balance. Despite this ruling and my previous dispute submissions, the credit bureaus have failed to remove this collection account from my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) * The FCRA requires that all credit report information be accurate and up to date. Reporting a nonexistentdebt after a court dismissal is inaccurate and misleading, violating my rights.

2. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * Credit bureaus must promptly investigate and correct inaccurate information. Since I have provided official court dismissal documents, failure to delete this account violates this law.

3. FCRA 15 U.S.C. 1681e ( b ) * Credit reporting agencies must maintain maximum possible accuracy in credit files. Keeping an invalid collection account on my report fails to meet this standard.

4. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) * Debt collectors and credit bureaus can not report false or misleading information to credit agencies. Since this account has been legally dismissed, its continued reporting is a violation of federal law.

Requested Action : I demand the immediate deletion of this account from my credit report and written confirmation of its removal. This incorrect reporting is unfairly damaging my credit score and financial reputation.

Supporting Documents Attached : * Court dismissal order confirming the case outcome * Previous dispute letters and responses from the credit bureaus * Current credit report showing the inaccurate collection account Failure to remove this account constitutes noncompliance with federal law, and I expect immediate corrective action. If this issue is not resolved promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I appreciate your immediate attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX Cred Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Self financial/lead ba Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # XXXX date XXXX XXXX bal. {$0.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, selfinc/lead Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, World finance corporat Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX Cred Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Self financial/lead ba Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # XXXX date XXXX XXXX bal. {$0.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, selfinc/lead Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, World finance corporat Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding FCRA and FDCPA Violations by Comenity Bank I am writing to file a formal complaint against Comenity Bank for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, Comenity Bank has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my XXXX XXXX. 

Details of Violations : 1. Re-aging of Accounts Comenity Bank has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. XXXX XXXX ACCOUNT XXXX : XXXX a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX XXXX XXXX OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX XXXX instance XXXX. Damage to XXXX XXXX : Due to the repeated re-aging of these accounts, my XXXX XXXX has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

XXXX. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$XXXX} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$XXXX}. 

XXXX. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with XXXX XXXX, the accounts continue to be updated monthly, further exacerbating the damage to my XXXX XXXX. 

Since these disputes have been ongoing through my attorney for over a year without corrections, the XXXX  day time frame is forfeit. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: MS

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


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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 am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX Bank regarding their failure to resolve a dispute and the subsequent illegal sale of my information to a third-party debt collector. 
I initiated a dispute with XXXX XXXX Bank concerning a transaction on my account. Despite providing all necessary documentation and following their dispute resolution process, the issue remained unresolved. XXXX XXXX failed to address my concerns adequately and did not provide a satisfactory resolution. 

Following the unresolved dispute, XXXX XXXX Bank sold my personal and financial information to a third-party debt collector without my consent. This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The third-party debt collector has since contacted me, causing undue stress and harassment. 
I request the CFPB to investigate this matter and take appropriate action against XXXX XXXX Bank for their failure to resolve the dispute and the illegal sale of my information. I also seek assistance in ensuring that my information is no longer shared without my consent and that the third-party debt collector ceases all contact with me. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
Well me and my brother are twins his social is XXXX digit off from mind completely the same except last digit his apartment is on my credit Ive called the in data people and they say the have his correct social on the account so Im wondering why is it still showing on my credit it doesnt belong to me at all and I want it taken off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: IL

Complaint narrative:
I have never received any mail, email or anything about this debt and then in the past day, they reported this to my credit report. I had never received any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {XXXX XXXX  in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {XXXX XXXX  in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

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