vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: AL

Complaint narrative:
Civil Violations 1. Fair Credit Reporting Act ( FCRA ) Violations The FCRA ( 15 U.S.C. 1681 ) ensures accuracy, fairness, and privacy in consumer credit reports. Violations include : Reporting inaccurate information : Credit bureaus and creditors must ensure the accuracy of reported data.

Failing to investigate dispute Civil liability : Consumers can sue for damages, including statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorney fees. 
Federal Trade Commission ( FTC ) : The agencies can impose fines and penalties

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 2025-02-27 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mercari, Inc.
State: CA

Complaint narrative:
Since last year XX/XX/XXXX I have been trying to get my mercari account back but this company has only responded by asking for my ID to verify. On XX/XX/XXXX I have decided to comply with my Face ID and driver license and they also requested my mother do the same since she is listed on my account. Fair enough everyone in my household which is my mother and myself is Face ID and driver license verified that matches the bank account and tax info. Now they want some other person NOT associated with my account that doesnt exist to Face ID and give driver license. This person does not exist in my account so they are asking for information that makes no sense. They need to escalate this and let the account go through. I gave more than enough information that matches bank info and tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-27 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$560.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$2900.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX BALANCED {$5200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX BALANCED {$1900.00} XXXX XXXX XXXX BALANCED {$3800.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$1200.00} XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items 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 # ( private case number ) 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an incorrect credit reporting issue on my XXXX, XXXX, and XXXX credit reports. 

I previously had a collection account from XXXX XXXX, assigned to I.C. System, Inc.. The details are as follows : Creditor : XXXX XXXX XXXX XXXX : I.C. System, Inc. 
Account Number : XXXX ( XXXX ) Original Balance : {$510.00} Current Balance : {$0.00} ( Paid in Full ) Date Assigned : XX/XX/year> Despite paying the account in full, the collection account remains on my credit report, damaging my score and making it difficult for me to obtain credit under fair terms. 

Reasons for Complaint : Fair Credit Reporting Violation ( FCRA 15 U.S.C. 1681c ( a ) ( 5 ) ) : Since this account has been paid in full, it should no longer be negatively impacting my credit profile.

Unfair Credit Reporting Practices : The collection agency has failed to update my account status correctly in a way that reflects my responsible repayment.

Request for Removal : Many collection agencies voluntarily remove paid accounts as a goodwill gesture, and I am requesting that this be done in my case. 

Thank you for your time, and I look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2025-02-27 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: CA

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Transunion and Equifax 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, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX XXXX. Account Name : XXXX  Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Account Balance : XXXX ADDITIONAL ADDRESSES 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 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 non-monetary relief
Consumer complaint received 2025-02-27 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:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Transunion and Equifax 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, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX XXXX. Account Name : XXXX  Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Account Balance : XXXX ADDITIONAL ADDRESSES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-02-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by Experian. In light of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian for allegedly providing false information on consumer credit reports, I am deeply concerned that my credit report may contain errors that are unjustly impacting my credit standing. 

Upon reviewing my credit report, I have identified the following discrepancies : XXXX. [ List the specific inaccurate items, including the creditors name, account number, and the nature of the error, e.g., incorrect balance, falsely reported late payments, accounts that do not belong to you, etc. ] XXXX. [ Provide any supporting details or documentation that contradict the inaccurate information, such as bank statements, payment records, or correspondence with creditors. ] Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate these disputed items and correct any errors. I request that you : Conduct a thorough investigation into the disputed items, Provide me with a written response regarding your findings, and Remove or correct any inaccurate, incomplete, or unverifiable information. 

If Experian fails to correct these inaccuracies, I may escalate this matter with the CFPB or seek legal action to ensure my credit report reflects accurate and fair information. Please respond to this dispute within the legally mandated XXXX timeframe. 

Enclosed are copies of my identification and supporting documents to facilitate your investigation. I expect prompt resolution and confirmation that my credit report has been updated accordingly. 

Please contact me at [ Your Phone Number ] or [ Your Email ] if further information is required. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint regarding an inaccurate account reported on my credit file by XXXX XXXX. I have never had a contractual agreement with this company. It appears that the original creditor, XXXX XXXXXXXX XXXX, transferred or sold my account without providing proper notification. This failure to notify me constitutes a violation of Fair Credit Reporting Act ( FCRA ) Section 611, which ensures the accuracy and fairness of information reported on consumer credit files.

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 2025-02-27 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: MI

Complaint narrative:
Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX, XXXX XXXX XXXX and THE CONSUMER REPORTING AGENCIES letting them know I NEVER opened an account with these company and these accounts are not mine. I have been ignored by XXXX XXXX XXXX, XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file. Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable. Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus. Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit

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 2025-02-27 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: MI

Complaint narrative:
Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX, XXXX XXXX XXXX and THE CONSUMER REPORTING AGENCIES letting them know I NEVER opened an account with these company and these accounts are not mine. I have been ignored by XXXX XXXX XXXX, XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file. Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable. Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus. Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$4800.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$41000.00} XXXX XXXXXXXX Balance Owed : {$32000.00}

Company response to consumer: Closed with non-monetary relief