vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Well i have Data Breach letters on my credit report and my stolen funds from my bank account when I visit my grandson birthday party Matter of fact Two occasions I have letters Fraud on my report completely wrong 15 U.S.C.1681s-2 ( A ) ( 1 ) According to 15 USC 1681 Section 604A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Well i have Data Breach letters on my credit report and my stolen funds from my bank account when I visit my XXXX  birthday party Matter of fact Two occasions I have letters Fraud on my report completely wrong 15 U.S.C.1681s-2 ( A ) ( 1 ) According to 15 USC 1681 Section 604A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-02-04 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: NJ

Complaint narrative:
communication with XXXXXX/XX/XXXX did not update my credit report properly with a paid in full settlement back in XX/XX/scrub> 2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
communication with XXXXXX/XX/XXXX did not update my credit report properly with a paid in full settlement back in XX/XX/scrub> 2024 2024

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The XXXX XXXX Bank credit card account is not 30 days past due. I made a payment on XX/XX/year>. This account needs to be updated to reflect that a payment was received within 30 days of the XX/XX/year> payment and the status is current. Attached is a screenshot of my online account, which shows my payment in XX/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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed the following report against Equifax, now the company has blocked access to my credit report. I can not access my report. I am in the process of getting approved for a mortgage and lenders are unable to access my credit report. I spent over 2 hours on the phone with Equifax on XX/XX/XXXX and was advised my credit report was accessible without freezes, blocks or locks. Please see the attached screenshot. As Equifax is now delaying my loan process and if my reports are not accessible to creditor within a timely manner, this will negatively impact my score, credit worthiness and ability to qualify for a mortgage. I need my reports accessible immediately.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), on XX/XX/XXXX, I submitted a dispute with Equifax, requesting the investigation and validation of a debt on my credit report. I am requesting an investigation into Equifax Credit Bureau, as I am concerned they have violated the Fair Credit Reporting Act by willfully failing to investigate a debt on my credit report from XXXX XXXX XXXX. I requested the following documents be provided to me by Equifax as part of the investigation to validate this debt : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain and purchase agreement. None of these items were provided. Further, I know this debt can not be validated, as it does not belong to me. XXXX completed an investigation into this same debt, found it to be inaccurate and deleted it from my credit report in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-02-04 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: NJ

Complaint narrative:
Information In my credit report, which is Experian, Equifax and Transunion saying all information was reverified which is not true and information on all credit reports are apart of data breach. Tired of fighting with this information these are not my accounts

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 2025-02-04 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: NJ

Complaint narrative:
Information In my credit report, which is Experian, Equifax and Transunion saying all information was reverified which is not true and information on all credit reports are apart of data breach. Tired of fighting with this information these are not my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
Your company has not done a proper investigation on my consumer report, and I do plan on using case law due to your company being sued right now for improper investigations. I have revoked your company Power of Attorney, so I demand that your company do as I say with my consumer report that I have Power of Attorney over. I have sent complaint on complaint using many laws that govern specifically the FAIR CREDIT REPORTING ACT 15 USC 1681. Please reinvestigate my consumer report and fix all the violations I keep telling your company about. I don't want any account showing any transaction history nor the experiences I am having with the companies, I just want the accounts to be reported as " Updated, Paid as agreed '' as according to 15 USC 1681a. Also, anything to do with education on my report please remove since it's illegal according to the FERPA ACT ( 20 USC 1232g ) and The Privacy Act of 1974. There are many other violations I have already complained about before that need to be fixed still. Please know that according to 15 USC 1681n Civil liability for willful noncompliance and 15 USC 1681o Civil liability for negligent noncompliance your company is in violation of both, and I can hold your company accountable up to a {$1000.00} per violation which I have invoiced multiple times about and even asked for Arbitration Fee Waiver as your company says I can do but no response. If my consumer report isn't fixed the correct way according to the law, I will be holding your company accountable for every violation due to causing me many denied applications that I have proof of, emotional stress and financial hardship.

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 2025-02-04 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:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-02-04 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 formally disputing the following late payment entries on my credit report : XXXX XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX account numbers for equifax : XXXX XXXX Account numbers for Transuniuon : XXXX Reporting on Equifax, transunion Reported balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX CLOSED ) Account Numbers Equifax XXXX XXXX Account numbers for transunion : XXXX Reporting on experian Account Status PAYS_AS_AGREED Reported Balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me XXXX XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXX XXXX Account number first part : XXXX Reporting on : Equifax, Transunion Reported Balance {$360.00} Account Status CHARGE_OFF Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CLOSED XXXX Account Number Equifax XXXX Account numbers for Transunion : XXXX Reporting on Equifax, transunion Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date closed : XX/XX/XXXX XXXX XXXX ( CLOSED ) Account Number Equifax XXXX XXXX Account numbers for Transunion and experian : XXXX Reporting on Equifax and transunion, and experian Reported Balance {$1300.00} Account Status XXXX  Date of First Delinquency XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER TRANSUNION XXXX Reporting on Transunion Date Opened XX/XX/XXXX Balance {$410.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number Transunion XXXX Reporting on transunion Date Opened XX/XX/XXXX High Balance {$300.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting on Transunion XXXX Date Opened XX/XX/XXXX Balance {$2000.00} Pay Status XXXX XXXX XXXX Account numbers transunion : XXXX Reporting on Experian date opened : XX/XX/XXXX Balance {$680.00} Status : Charged off Credit bureaus reporting these accounts : Experian, TransUnion, and Equifax Actions taken : The accounts listed above have been disputed several times and concurrent CFPB reports have been filed aimed at Experian, Transunion and Equifax to have them removed, this time I have taken measures in seeking legal council and litigation will commence as a result if these accounts are not removed within 30 -45 days in accordance with FCRA guidelines for response times permitted. as a result of the several data breaches known to date whom all 3 credit bureaus have been exposed to this has created an environment for consumers like myself to be impacted financially with no resolve and left to bear the brunt of said negligence by the 3 major credit bureaus.

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 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX account numbers for equifax : XXXX XXXX Account numbers for Transuniuon : XXXX Reporting on Equifax, transunion Reported balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX CLOSED ) Account Numbers Equifax XXXX XXXX Account numbers for transunion : XXXX Reporting on experian Account Status PAYS_AS_AGREED Reported Balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me XXXX XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXX XXXX Account number first part : XXXX Reporting on : Equifax, Transunion Reported Balance {$360.00} Account Status CHARGE_OFF Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CLOSED XXXX Account Number Equifax XXXX Account numbers for Transunion : XXXX Reporting on Equifax, transunion Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date closed : XX/XX/XXXX XXXX XXXX ( CLOSED ) Account Number Equifax XXXX XXXX Account numbers for Transunion and experian : XXXX Reporting on Equifax and transunion, and experian Reported Balance {$1300.00} Account Status XXXX  Date of First Delinquency XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER TRANSUNION XXXX Reporting on Transunion Date Opened XX/XX/XXXX Balance {$410.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number Transunion XXXX Reporting on transunion Date Opened XX/XX/XXXX High Balance {$300.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting on Transunion XXXX Date Opened XX/XX/XXXX Balance {$2000.00} Pay Status XXXX XXXX XXXX Account numbers transunion : XXXX Reporting on Experian date opened : XX/XX/XXXX Balance {$680.00} Status : Charged off Credit bureaus reporting these accounts : Experian, TransUnion, and Equifax Actions taken : The accounts listed above have been disputed several times and concurrent CFPB reports have been filed aimed at Experian, Transunion and Equifax to have them removed, this time I have taken measures in seeking legal council and litigation will commence as a result if these accounts are not removed within 30 -45 days in accordance with FCRA guidelines for response times permitted. as a result of the several data breaches known to date whom all 3 credit bureaus have been exposed to this has created an environment for consumers like myself to be impacted financially with no resolve and left to bear the brunt of said negligence by the 3 major credit bureaus.

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 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised. I noticed that someone applied for something in my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit reports maintained by Experian , TransUnion , and Equifax . The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and rectify errors promptly. 

XXXX XXXX XXXX Inconsistencies Identified : XXXX. **Account Status** : - All three bureaus report the account status as **Open**, while my records indicate this account should be **Closed**. 

2. **Payment Status** : - TransUnion indicates a **payment status** of **60 days past due**, whereas Experian states it is **30 days past due**. This discrepancy violates FCRA 607, which mandates maximum accuracy in reporting.

3. **Balance Reporting** : - The balance reported as XXXX XXXX XXXX by all agencies is inconsistent with the payment history and overall account management. This is unacceptable under FCRA requirements for accuracy. 

XXXX. **Last Reported Dates** : - The **last reported dates** are inconsistent across the bureaus, further complicating the accuracy of my credit profile. 

Furthermore, I am aware of the recent data breach that affected these credit reporting agencies, compromising sensitive consumer information. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach raises significant concerns regarding the integrity of the information being reported. 

Given these violations, I demand that XXXX XXXX XXXX be removed from my credit report immediately. If these inaccuracies are not corrected within the legally mandated time frame, I will pursue further legal actions, including seeking damages for the harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to 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 explanation