vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate accounts on my credit report, which I believe resulted from identity theft and errors in my credit reporting process. These issues align with the violations detailed in the CFPBs lawsuit against EQUIFAX, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. The following accounts are inaccurate or fraudulent and must be removed 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 These accounts violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) due to : 1. Failure to Conduct Proper Investigations : Equifax failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. 2. Reinsertion of Inaccurate Information : Some of these accounts were previously removed but reappeared without proper notification or validation, violating FCRA procedures. 3. Failure to Notify and Provide Results : Dispute resolution notifications have been vague, inconsistent, and inadequate. I demand the immediate removal of these accounts and request : Fcra 605B ( 15 USC 1681C-2 ) 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-19 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 explanation
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

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 2025-02-19 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: NY

Complaint narrative:
According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST be blocked from my credit profile one a report of identity theft is made. I am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of information are prohibited from reporting information they know or have reason to believe is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS ACCOUNT IS ERRONEOUS AND DOES NOT PERTAIN TO ANY DEBT I OWE. Reporting FALSE information is a direct violation of federal law and has unjustly damaged my creditworthiness. I INSIST THAT YOU : DELETE THE INACCURATE ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY CEASE ANY FUTURE REPORTING OF THIS ERRONEOUS INFORMATION TO ALL CREDIT AGENCIES PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS OF RECEIPT OF THIS LETTER FAILURE TO COMPLY WILL LEAVE ME NO CHOICE BUT TO FORMALLY COMPLAIN TO THE CFPB AND CONSIDER LEGAL 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 explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
Upon reviewing my personal consumer report I noticed accounts and information not pertaining or initiated by myself.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have two capital one credit cards and I have been being charged XXXX in interest for the last few ones. It has been XXXX, than XXXX and now up to XXXX. In XXXX there was a charge of XXXX dollars that I did not approved taking out of my account also and was not applied to the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from my Credit monitoring through my bank that I had a hit on my credit report from American Express from XX/XX/XXXX. I called their Customer Support team to get information as to why, they verified that I only had my one card through them that I had opened in XXXX and that they had not completed a second inquiry, and even checked with their new accounts department in case someone had tried to do it that way both departments verified they had no inquiries pending or applications. They did however state that this was likely one of two things a fraudulent inquiry or someone had tried to open either a store card or some sort of airlines card with my information as they had no way of checking that in their system. I have no way of narrowing down which of the many companies this could be. My XXXX had let me know that my information was in the dark web earlier this month but due to me trying to purchase my first home I was unable to freeze my credit this month so that I would be able to access the mortgage loan when necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I have filed several disputes trying to resolve these issues for the following accounts But no action has been taken by any of the credit bureaus *XXXX XXXX * XXXX XXXX XXXX  When I requested information from the credit bureaus they did not respond and I did not receive anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I am writing to bring to your attention a matter concerning my personal information and its exposure during the Equifax data breach. My data was compromised as a result of this incident, and I have since experienced identity theft that has adversely affected my credit report. 

Although Equifax has acknowledged their mistakes and provided a settlement in court, I am still facing issues with XXXX accounts that remain on my credit report. These accounts are a direct result of the identity theft linked to the breach, and I believe they should be removed in accordance with the settlement agreement and the protections afforded to consumers under the Fair Credit Reporting Act. 

I am attaching my identification, proof of address, ftc complaint. My engagement number proving my information was leaked and I was settled with in court is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
After review of my credit report. I have found these inquires are not mines and are fraud. Please remove these fraudulent inquires. 

XXXX XXXX ( Auto ) XX/XX/year>2025 XXXX XXXX ( Auto ) XX/XX/year>2025 XXXX XX/XX/year>2025 XXXX XXXX XXXXXX/XX/year>2025 XXXX XXXX XX/XX/year>2025 XXXX  XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XX/XX/year>2025 2025

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 2025-02-19 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: SC

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to remove inaccurate, incomplete, and unverifiable information from my credit report, despite multiple disputes. The Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ) requires that credit reporting agencies delete information that is inaccurate or can not be verified, rather than updating or modifying it. 

However, I have disputed the same inaccurate information multiple times, yet the credit bureaus have failed to comply with the law and continue to report false data on my credit file. 

The account in question is XXXX Account, which has been inaccurately reported across all three credit bureaus. 

I have submitted multiple disputes over the past several months requesting that the inaccurate and unverifiable information be removed permanently, but each bureau has failed to take appropriate action. 
The errors in reporting include inconsistent account opening dates, incorrect credit limits, different charge-off dates, conflicting payment histories, and discrepancies in reporting status ( charge-off vs. collection ). 
Under FCRA 1681e ( b ), credit bureaus are required to maintain accurate and consistent records, but they have failed to meet this obligation.

Under FCRA 1681s-2 ( b ), the bureaus and the data furnisher ( XXXX ) are legally required to ensure that the reported information is 100 % accurate and verifiable, yet they have failed to do so. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), if any information can not be verified, it must be permanently deletednot corrected or updated. The credit bureaus have violated this by continuing to report inaccurate data instead of removing it as required by law.

Despite my multiple dispute attempts, the credit bureaus have continued to ignore my consumer rights under the FCRA Legal Violations Committed by the Credit Bureaus : - Violation of FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

- Violation of FCRA 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information.

- Violation of FCRA 1681s-2 ( b ) : Failure of the credit bureaus to properly investigate and verify information provided by the data furnisher.

- Violation of My Consumer Rights : The bureaus are knowingly allowing inaccurate and inconsistent information to remain on my report, causing financial harm and preventing me from accessing credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio recovery llc is a banned XXXX XXXX who has harassed my family and myself. They have subpoenaed me to court and hired someone to stalk and harass my family and children and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was 
complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
There are accounts listed on my credit report that do not belong to me, and I have no knowledge of them whatsoever. This situation is not only unfair but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, and these errors should not be affecting my financial standing. I request an immediate investigation into these unauthorized accounts, and I expect these inaccuracies to be corrected without delay. If these errors are not resolved promptly, I will be forced to take legal action to protect my rights.

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 2025-02-19 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: Bounce AI, Inc.
State: GA

Complaint narrative:
I disputed credit account on credit report and was informed no change and that dispute was resolved which I then contacted credit account and asked for documentation of their findings and to show proof and never received it. I want this credit account removed from my report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc

Complaint narrative:
I am currently based in XXXX and started getting debt collection phone calls in the middle of my night. After 2 missed calls from Hunter Warfield, I called them back and asked who they were trying to contact. The person they are trying to contact is not me. 

I told them that they are calling the wrong person and I didn't know the person they are after. I also asked them to stop calling me. 

After 1 week, I started getting their calls again in the middle of my night. 

They continue to harass me and I am not the person they are after.

Company response to consumer: Closed with explanation