vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 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: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of the XXXX  XXXX account on my credit reports. The incorrect information is harming my credit profile, and I am requesting that this account be removed entirely due to reporting errors. Below are the discrepancies : 1. Incorrect Payment Status on Experian : Experian is reporting a Late XXXX  Days status for this account. This is inaccurate, as I have never made a late payment. This false information is negatively impacting my credit score.

2. Inconsistent Account Status Across Bureaus : TransUnion correctly lists the account as Closed, while Experian and Equifax list it as Paid. Since this was a secured installment loan, the status should be uniform across all bureaus.

3. Incorrect Last Reported Date on Equifax : Equifax shows the last reported date as XX/XX/XXXX, which is incorrect because this account was closed in XXXX and should not have been updated in XXXX. 
4. Account Closure Discrepancy : TransUnion states the account is XXXX, but Experian only marks it as XXXX  without explicitly stating it is closed. The account should be marked as XXXX  on all bureaus. 
5. Potential Unauthorized Reporting Activity : The continued updates and inconsistent reporting of this account, especially the recent XX/XX/XXXX update on Equifax, suggest that the furnisher may be reporting inaccurate or outdated information. 

Desired Resolution : Remove the XXXX account entirely from my credit report due to inaccurate and inconsistent reporting. 
Correct the payment status on Experian by removing the incorrect Late XXXX  Days mark. 
Ensure consistency across all bureaus regarding the account closure status. 
Investigate the unauthorized update on XXXX and prevent any further inaccurate reporting. 

I have attached a copy of my credit report highlighting these errors for your review. I request that this matter be investigated promptly, and I expect a resolution within the legally mandated timeframe. 

Thank you for your time and 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 2025-03-31 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-31 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: LA

Complaint narrative:
I do not recognize these inquires and i need them removed from my credit report immediately 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX 1992 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax credit reporting agency , Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business davs of vou receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX.I 've attached a list of the hard inquiries in question as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. | do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX requesting the removal of certain accounts from my credit report. The accounts in question include the XXXX XXXX account ( number XXXX ), which should not have a credit limit listed since it is closed ; XXXX bank acct XXXX is illegally reporting a credit limit on a closed account .Upon receiving the results, I noticed that none of these accounts were addressed, indicating that no proper investigation took place, and they remain on my credit report. I am perplexed as to why these inaccuracies persist, as they violate the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts be removed promptly.

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 2025-03-31 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-31 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX added an extra line to my account in XX/XX/year> after receiving a call from someone that I do not know requesting for them to do this. They gave me the name of the person who called but did nothing about the incident. I was charged from XXXX XXXX XX/XX/year>. They just refunded me for the months they charged for the extra line and nothing else. I tried to resolve the issue with XXXX XXXX which they refused to do. I switched companies after getting the run around from them and now they've added a debt to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 found accounts and inquiries on my account that dont belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
I do not recognize these inquires and i need them removed from my credit report immediately 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

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 2025-03-31 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: LA

Complaint narrative:
I do not recognize these inquires and i need them removed from my credit report immediately 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

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 2025-03-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against Experian for its failure to properly investigate and rectify an erroneous negative entry on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite my multiple attempts to dispute the incorrect information, Experian has refused to conduct a proper investigation and has left a false negative mark on my credit report that is slated to remain for ten years, severely impacting my financial standing.

Experians actions mirror the concerns outlined in the recent CFPB lawsuit against the agency for its sham investigations of cr

edit report errors. Specifically, I have experienced the following issues : 1. Lack of Proper Investigation : When I disputed the false negative entry, Experian did not thoroughly review my claim. Instead, it appears to have merely deferred to the data furnisher without verifying the accuracy of the information, despite my submission of supporting evidence. 2. Failure to Remove Incorrect Information : Even after disputing the error, Experian has refused to remove or correct the false negative item, which continues to negatively impact my creditworthiness. 3. Unfair Practices : The inclusion of incorrect information in my credit report has affected my ability to obtain credit, housing, and
employment opportunities. Experians failure to properly investigate my dispute constitutes an unfair and deceptive practice that is both harmful and unlawful.

I request immediate action by the CFPB to hold Experian accountable for its failure to comply with FCRA requirements. Specifically, I ask that the CFPB : Investigate Experians handling of my dispute and require them to conduct a proper review.

Ensure that Experian removes the false negative entry from my credit report.

Impose appropriate penalties on Experian for its unfair and negligent practices.

I am attaching copies of my dispute letters, responses ( or lack thereof ) from Experian, and any supporting documentation related to this issue. I urge the CFPB to take swift action to protect consumers like me from Experians unfair and damaging reporting practices.

Thank you for your time and attention to this urgent matter. Please confirm receipt of this complaint and advise on the next steps at your earliest convenience.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of the XXXX account on my credit reports. The incorrect information is harming my credit profile, and I am requesting that this account be removed entirely due to reporting errors. Below are the discrepancies : 1. Incorrect Payment Status on XXXX : XXXX is reporting a Late 30 Days status for this account. This is inaccurate, as I have never made a late payment. This false information is negatively impacting my credit score.

2. Inconsistent Account Status Across Bureaus : XXXX correctly lists the account as Closed, while XXXX and XXXX list it as Paid. Since this was a secured installment loan, the status should be uniform across all bureaus. 
3. Incorrect Last Reported Date on XXXX : XXXX shows the last reported date as XX/XX/XXXX, which is incorrect because this account was closed in XXXX and should not have been updated in XXXX. 
4. Account Closure Discrepancy : XXXX states the account is Closed, but XXXX only marks it as Paid without explicitly stating it is closed. The account should be marked as Closed on all bureaus.

5. Potential Unauthorized Reporting Activity : The continued updates and inconsistent reporting of this account, especially the recent XX/XX/XXXX update on XXXX, suggest that the furnisher may be reporting inaccurate or outdated information.

Desired Resolution : Remove the XXXX account entirely from my credit report due to inaccurate and inconsistent reporting. 
Correct the payment status on XXXX by removing the incorrect Late 30 Days mark.

Ensure consistency across all bureaus regarding the account closure status.

Investigate the unauthorized update on XXXX and prevent any further inaccurate reporting. 

I have attached a copy of my credit report highlighting these errors for your review. I request that this matter be investigated promptly, and I expect a resolution within the legally mandated timeframe.

Company response to consumer: Closed with explanation