vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed fraudulent accounts and inquires : XXXX XXXX - XXXX XXXX - XXXX XXXX - {$370.00} XXXX XXXX  - XX/XX/year>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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-11 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: FL

Complaint narrative:
XXXX, XXXX, XXXX reporting agencies are still reporting inaccuracies, derogatory information about my accounts and refuses to reinvestigate each account and send me detailed information as to how they keep stating accounts are accurate. Delete or correct misinformation. And stop putting these accounts back on my report as validated and accurate.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: NH

Complaint narrative:
a collection of {$750.00} from MRS BPO LLC was added to my credit report, the original creditor is Spectrum. I have never had a contract with XXXX. but MRS BPO LLC is telling XXXX that the info is correct after I filed a dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act. I have the right to request that these accounts listed below be blocked by the Credit Reporting agencies ( CRA ) that is reporting this to my consumer report. All these Accounts are due to identity theft. My information was compromised due to the DATA BREACHES. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE FRAUDULENT, DUE TO IDENTITY THEFT.

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 2025-01-11 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have 16 inquiries on my transunion credit report I have disputed them but they are still on the report. Someone had my credit pulled 16 times in 30 days

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 2025-01-11 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
Experian failed to do a full investigation on XXXX XXXX XXXX  and the collection is not mine. The address to the collection is XXXX XXXX XXXX XXXX XXXX XXXX I have never lived there and the name isnt my name.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding a repossession from XXXX XXXX XXXX XXXXXXXX account that is reported only on my Experian credit report, while it does not appear on XXXX or XXXX. The last reported activity was in XX/XX/year>, and I believe this account has either been inaccurately reported or should have been removed as its outdated. 
Despite this account being marked as resolved/paid or no longer valid, it is still listed on Experian. I request that Experian update their records to remove this account due to its outdated nature or the fact that it has been resolved. 

I ask that the CFPB Please investigate this issue and provide confirmation of the removal of this account from my Experian 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 2025-01-11 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: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis sent me an email today at approximately XXXX asking me to verify my documents this is a Stall Tactic!! all of my documents were uploading to the 1st complaint which has not been resolved. i already attached a copy of Driver License, showing proof of my name, DOB, address along with a picture. following behind another attachment to my file was my Social Security, and Bank Statement showing name, & proof of address. LexisNexis is using Stall Tactics. My next step will be filing a lawsuit against and going to the attorney general. about this consumer company for a breach of my privacy rights they went onto pacer website took my Information from public records and reported it to the credit Bureaus which has caused me distress that is a breach of my privacy rights. I demand LexisNexis to delete this from my file and there system immediately. attached below is the first initial complaint against this company LexisNexis violated my privacy rights. they took my Information off of Pacer Service Center and gave it to the Credit bureaus. According to the fair credit reporting act all information must be 100 % accurate and reported through the original creditors bureaus. In this dispute the original creditors is the United States Bankruptcy Court. I have documentation stating they do not report nor verify any Information with any of the Credit Bureaus nor LexisNexis. In this case my privacy rights was violated by LexisNexis I Demand this Public Record to be Deleted from My file Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

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

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My XXXX credit report doesnt align with my transUnion This is inaccurate 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 non-monetary relief
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying everything to keep my information safe and Equifax has not been helpful. I am a victim of identity fraud, my information was also compromised in the data breach, I have frozen my report and removed as much of my information as possible but yet, I am still responsible for all of these unauthorized inquiries which is heavily impacting my life. I have asked for proof on how the inquiries were made and have not received any documentation or any of the 40 inquiries on my report. This is a violation of my constitutional and consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by Equifax on my credit report. These accounts are inaccurate, unverifiable, and causing unnecessary harm to my financial standing. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Negative Accounts to Be Removed 1. XXXXXXXX XXXX  Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late 2. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by Equifax on my credit report. These accounts are inaccurate, unverifiable, and causing unnecessary harm to my financial standing. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Negative Accounts to Be Removed 1. XXXXXXXX XXXX Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late 2. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
XXXX offered to settle my account for paid in full status on my credit report, upon checking my credit report I see they have not done hat was agreed and they have put " Setteled-less than full balance ''.

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 2025-01-11 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: GA

Complaint narrative:
Subject : Formal Complaint Against Experian for Inaccurate Reporting of Paid Accounts Dear CFPB, I am submitting a formal complaint against Experian Information Solutions , Inc., regarding the inaccurate handling and reporting of multiple paid accounts on my Experian credit report.Experians failure to reflect the accurate status of these accounts is a clear violation of the FairCredit Reporting Act ( FCRA ) and consistent with the issues outlined in the CFPBs recent complaint against Experian ( Case No. 8:25-cv-24 ). 
Accounts in Question 1. XXXX Account Number : XXXX Original Balance : {$7400.00} Status : Paid in full 2. XXXX  XXXX XXXX Account Number : XXXX Original Balance : {$0.00} Status : Paid in full 3. XXXX Account Number : XXXX Original Balance : {$39.00} Status : Paid in full 4. XXXX XXXX Account Number : XXXX Original Balance : {$14000.00} Status : Paid in full 5. XXXX XXXX XXXX Account Number : XXXX Original Balance : {$24000.00} Status : Paid in full 6. XXXX Account XXXX : XXXX Original Balance : {$200.00} Status : Paid in full 7. XXXX XXXX Account Number : XXXX Original Balance : {$27000.00} Status : Paid in full Issues Experian has inaccurately reported these accounts despite their fully paid status. This violates : 1. FCRA, 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

2. The CFPBs findings that Experian fails to adequately investigate disputes or properly notify consumers of results ( 3349 and 6481 of the CFPB complaint ).

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
On around XX/XX/year>, I received a packet in the mail from Transworld Systems Inc., containing 36 invoices ; some addressed to me, although I do not owe money to XXXX of XXXX. The intended debtor is XXXX XXXX, my XXXX grandmother, who does not reside with me and is financially and mentally incapable ( due to XXXX ) of paying the invoices. She is receiving XXXX  care at a XXXX home in XXXX  I contacted XXXX on the company website to let them know that this is not my debt and to stop sending mail to my home as it is harassment. I am not legally responsible for my grandmother 's debt, so I want any and all forms of communication to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient : misallocated payments, steered me into costly repayment plans, supplied the wrong information, and ignored my pleas for help. Mislead me into forbearance. 

Also, I attended for profit art school from XXXX. It was impossible for me to pay the loan and I defaulted. My original loan was XXXX and now XXXX  years later I owe XXXX with the interest equalling my original loan amount. 

I have not heard from anyone if I will be a recipient of any of the lawsuit funds. XXXX has taken over my loan and I do not see any relief from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XXXX Capital one pulled my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
on XX/XX/year> these companies pulled my credit report without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not 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. 

Delete the accounts below : XXXXXXXX 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 explanation