vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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:
To Whom It May Concern, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts and unauthorized inquiries currently being reported on my credit file. These items were not initiated, authorized, or approved by me under any circumstance.

FRAUDULENT ACCOUNTS : The following accounts were opened without my knowledge or consent, and I am requesting their immediate deletion from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I have never applied for credit with either institution. These accounts are not mine, and I had no knowledge of them until reviewing my credit file. I am a victim of fraud and identity misuse, and these accounts were opened without my authorization. 

UNAUTHORIZED INQUIRIES : Additionally, I am disputing the following hard inquiries. I did not initiate, apply for, or authorize any credit applications that would justify these inquiries. They are unauthorized and damaging to my credit profile : XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries were not authorized and should be permanently removed in accordance with FCRA guidelines. As per FCRA Section 604, a credit inquiry must be preceded by clear authorization by the consumer, which did not occur in any of these cases.

ACTION REQUESTED : Immediately investigate and remove the two fraudulent accounts.

Permanently delete the listed hard inquiries from my credit file.

Provide written confirmation of the deletions and results of your investigation. 

I take my privacy and credit integrity seriously and expect swift compliance with federal law. 

Thank you for your urgent 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 2025-04-07 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:
I hope this message finds you well. I am writing to follow up on the complaints I previously submitted regarding certain items on my credit report. 

As of today, I have not received any updates or communication regarding the resolution of the disputes I filed with the bureaus. While I understand that the investigation process can take some time, I would appreciate any information on the current status and progress made in addressing the issues mentioned in my prior correspondence. 

The following items remain in dispute, and I request they be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 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:
I hope this message finds you well. I am writing to follow up on the complaints I previously submitted regarding certain items on my credit report. 

As of today, I have not received any updates or communication regarding the resolution of the disputes I filed with the bureaus. While I understand that the investigation process can take some time, I would appreciate any information on the current status and progress made in addressing the issues mentioned in my prior correspondence. 

The following items remain in dispute, and I request they be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Creditor Name : National Credit Systems Company reporting the info : XXXX Complaint Description : I disputed a collection account from National Credit Systems on my XXXX credit report. The dispute was marked as verified, but XXXX failed to provide physical proof of the debt, such as a lease agreement, move-out statement, or chain of custody. 

This debt is allegedly related to an old apartment address, but an address alone does not prove legal responsibility for the debt. 

I also froze access to third-party data furnishers including XXXX, XXXX, and XXXX. Despite that, XXXX claimed verification without disclosing how.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
I attempted to dispute XXXX XXXX XXXX on my credit report. The status of this account is reporting " Closed '' instead of " XXXX ''. This account has been verified as " Paid '. Transunion refuse to make this correction.

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 2025-04-07 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: LA

Complaint narrative:
XXXX has been on a mission to ruin my credit and they have been successful. First, I have requested that my account be removed from their " conditional credit line increase '' program on XX/XX/XXXX XXXX XXXX  via email and by phone. The way it works is that I would have to purchase more products by a certain date in order to keep the increased credit line of I.e. {$400.00} or risk having my account limit returned to the previous amount ( which negatively effects my credit/debt ratio and credit ). Despite the request, XXXX recently placed my account on the conditional credit line increase last month and gave me until XX/XX/XXXX to make an additional purchase. Last month, XXXX also reported my account closed to the credit bureaus. This also negatively effected my credit. I called to express my displeasure with their business practices and I was told that they could not make the correction but would send a letter to me in order to mail to the credit bureaus. This is so unfair. I just lost my father and this additional added stress is NOT helping! I am over XXXX!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
Hey Experian, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely, 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 2025-04-07 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:
I have previously disputed the above referenced account on XX/XX/year>. These items were deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now these items have reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove these items.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagrap
h ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer XXXX XXXX XXXX XXXX XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( XXXX }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer XXXX XXXX XXXX XXXX XXXX file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2025-04-07 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am submitting this complaint regarding a voluntary repossession that is being inaccurately reported on my credit report by XXXX XXXX XXXX and has been verified without proper investigation by TRANSUNION Despite my formal dispute ( s ) sent to the credit reporting agencies, and the supporting documentation provided, the account continues to reflect incorrect information. Specifically : The account is reporting an inaccurate balance of {$17000.00} The repossession date is incorrect and does not align with my records The account is not marked as Closed or Paid though the vehicle was voluntarily surrendered and settled The status does not accurately reflect the voluntary nature of the surrender No sufficient validation has been provided by the lender to verify the reporting Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and complete investigation of disputed information. In this case, the credit bureaus have failed to conduct a meaningful investigation, and the furnisher of the information has not provided adequate proof to support continued reporting. 

This inaccurate account is negatively impacting my credit score and financial well-being, and I am requesting the Consumer Financial Protection Bureau to intervene and ensure : 1. A thorough investigation is conducted 2. The account is either corrected to reflect accurate and complete information or removed entirely 3. The credit bureaus and lender provide documentation used to verify the account I appreciate 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 non-monetary relief
Consumer complaint received 2025-04-07 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please delete all incorrect personal information reporting on Experian 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 2025-04-07 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: IN

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I visited XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make a purchase. During this transaction, a hard credit inquiry was conducted without my clear knowledge, consent, or proper authorization. 

What is especially troubling is that I have evidence my signature was forged via XXXX in order to falsely authorize this inquiry. This is a serious matternot only unethical, but potentially fraudulent, implicating both XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I can provide the relevant documentation upon request to support my claim. 

It is clear that someone within the organization forged this document and used it to initiate a hard credit pull for with XXXX XXXX. Had I known this would occur, I would have opted to pay in cash. I was never given a fair opportunity to make that choice. 

As such, I am formally requesting the immediate removal of this unauthorized hard inquiry from my credit report. Additionally, I will be returning the XXXX XXXX XXXX XXXX credit card, as I no longer wish to maintain any business relationship with either company once this issue is resolved and my purchase is finalized. 

I do not understand the delay in XXXX XXXX addressing this matter. I hope to get a timely response and resolution. 

Sincerely, XXXXXXXX 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 explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I've 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 and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've 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 and 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 explanation
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I spoke with Nelnet requesting documents to validate the loan and to date I haven't received anything. No information was given to me that's the reason for the he complained I received a letter in XXXX  and he it clearly states that the loan and grants were returned. One loan has already been deleted.

Company response to consumer: Closed with explanation