vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
Starting on XX/XX/year>, I have written multiple letters asking why is a company called XXXX XXXX showing an account on my credit reports. I have asked them directly to verify this alleged account and they have refused. This is not my account. 

XXXXXXXX XXXX XXXXXXXX Account # 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 2025-02-11 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: MI

Complaint narrative:
Starting on XX/XX/year>, I have written multiple letters asking why is a company called XXXX XXXX showing an account on my credit reports. I have asked them directly to verify this alleged account and they have refused. This is not my account. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-11 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: MO

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life in credit health.

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 2025-02-11 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: NJ

Complaint narrative:
I never signed up for XXXX  XXXX and someone committed fraud with my identity and they told me I had to wait 90 days for it to come off of my credit report, but It has not yet come off of my credit report and I have not used XXXX  XXXX to open up any credit cards, it dinged my credit score by a couple of points and experian and all credit bureaus by a few points and was never came off.

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 2025-02-11 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ) Date of Charge-Off : ( XX/XX/year> ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.

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 2025-02-11 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: WI

Complaint narrative:
Subject : Consumer Complaint Against CFPB, EXPERIAN, EQUIFAX, TRANSUNION FCRA & FDCPA Violations Details of Complaint : I am filing this formal complaint due to the failure of EXPERIAN, EQUIFAX, TRANSUNION to correct serious inaccuracies on my credit report, despite multiple disputes via certified mail. The disputed accounts and details are not verifiable and continue to cause harm to my creditworthiness.

Violations include : 1. Failure to Conduct a Proper Investigation : The CRA has refused to provide tangible proof of verification and continues to update the inaccurate account as " verified. '' 2. Reporting False Information : The creditor is reporting an erroneous balance/charge-off and late payments despite proof of settlement/discharge. XXXX XXXX is fully aware of this willfull inaccuracies being reported XXXX. Merging Multiple Files : My credit report contains incorrect SSNs, merged profiles, and outdated personal information, creating a security risk. AS NOTED # XXXX is inaccurate and every single accounts attached are to be immediately removed permanently without reinsertion. 



I have exhausted administrative remedies and demand immediate enforcement action under the CFPBs regulatory authority. If this is not resolved, I will escalate through litigation and seek damages under the Fair Credit Reporting Act for all parties involved.

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 2025-02-11 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying to collect {$4000.00} on a debt that paid by insurance settlement and gap insurance. This is a XXXX account. No more money is owe. No 1099c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to properly investigate and remove inaccurate and unverifiable collection accounts from my credit report. Despite multiple dispute letters, TransUnion has failed to provide verification or remove these accounts, violating the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report.

15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days.

15 USC 1681s-2 Furnishers failed to verify or correct inaccurate information.

15 USC 1681i ( 5 ) ( B ) ( i ) Reinserted accounts without notifying me within XXXX business days. 
Disputed Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX Violation : Inclusion of obsolete/inaccurate information. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX, XXXX ( Original Creditor : XXXX XXXX Apartments ) Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Violation : Failure to conduct a proper investigation. 
Impact of XXXX XXXX : XXXX failure to remove inaccurate and unverifiable accounts has significantly impacted my credit score, financial well-being, and ability to obtain housing, loans, and employment opportunities.

Additional Legal Violation : {$1000.00} Fine for False Information TransUnion is also in violation of 15 USC 1681n, which states that any consumer reporting agency that willfully fails to comply with the Fair Credit Reporting Act ( FCRA ) is liable for : Actual damages or statutory damages of up to {$1000.00} per violation Punitive damages as determined by the court Attorney fees and court costs By knowingly reporting false, inaccurate, or unverifiable information on my credit report, TransUnion has willfully violated the FCRA, and I reserve the right to pursue legal action to seek compensation for these violations.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information along with XXXX XXXX others was breached.

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 2025-02-11 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: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED - XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have never had an account with this company & they are reporting negative information on my credit report. This is a case of identity theft & according to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
An account with XXXX XXXX is reporting on inaccurately with XXXX, XXXX and Experian. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History to my credit report. 

All inaccurate information is highlighted in the attached document for you review. 

XXXX is not reporting a payment history ; Experian is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.

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 2025-02-11 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: OK

Complaint narrative:
I am writing to formally file a complaint regarding the misuse and mishandling of my credit information, which has resulted in a significant and unjustified drop of XXXX points in my credit score. Upon reviewing my credit report, I have identified inaccurate information that I did not authorize, as well as indications that my personal data may have been shared with an unknown third party without my consent. 
This constitutes a clear breach of contract and failure on Equifaxs part to maintain the accuracy, security, and integrity of my credit file. As a consumer, I rely on Equifax to handle my credit information responsibly, and this failure has caused substantial harm to my financial standing.

Should this issue remain unresolved, I will explore further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

I appreciate your immediate attention to this matter. You may contact me at XXXX or XXXX should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 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/year>

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have a credit card with Barclays - XXXX XXXX. I've had this card for 20+ years. Recently I received a letter in the mail requiring me to verify my customer identity by mailing a copy of my drivers license, social security card and passport in order to comply with federal regulations. I called to discuss and was told this information is required. First this is an overreach on my privacy to require this information. All necessary information was provided at time of application. I offered to verify my information over the phone but was told no that won't work/ Second, mailing or faxing personal information of this nature is asking for fraudulent activity to occur. How do I know who's receiving the fax or if the correct person is receiving it? How do I know mailing my personal information will make it to it's destination or get lost in our wonderful USPS system? It's 2025! If information like this is really necessary, which it shouldn't be, Barclay should make it possible for me to access my account online and securely upload this information.

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 2025-02-11 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: NV

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 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 2025-02-11 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: NJ

Complaint narrative:
This is the second time Im bringing this up, and I shouldnt have to keep repeating myself. The unauthorized account ( XXXX XXXXXXXX - XXXX ) is still sitting on my credit report even after I disputed it, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). I never authorized this account, never consented to it being reported, and yet here we are again. This is more than just a mistakeits negligence and at this point, it looks like willful noncompliance. Let me be clearyou have no permissible purpose under 15 USC 1681b to keep reporting this account. 15 USC 1681i ( a ) requires a reasonable investigation, but clearly, that hasnt happened. 15 USC 1681e ( b ) demands maximum possible accuracy, yet this false account remains. 15 USC 1681s-2 ( a ) holds furnishers responsible for the accuracy of the information they report, and right now, that responsibility is being ignored. Im demanding that this unauthorized account be deleted immediately. I also expect written confirmation that it has been removed and an updated credit report reflecting the correction within 15 days. Since Ive already disputed this and its still being reported, I also want your method of verification under 15 USC 1681i ( a ) ( 2 ). Tell me exactly how this account was verified, where the information came from, and who confirmed it. If you cant provide proper verification, the law requires you to delete it immediately.

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Surcharges and interest rate is too high, I have paid this card off 5 times since the count was opened, I have asked for a lower interest rate several time. I have been robbed over the years from this company.

Company response to consumer: Closed with explanation