vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
XXXX, Equifax, XXXX It took over four years to get several addresses that were never mine from my profile, even after I provided fraud reports. 
I asked for reporting procedures for reinvestigation on incorrect listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public record. XXXX said it was verfied through XXXX XXXX. XXXX XXXX does not have this info! They will not reinvestigate, they will not delete any inaccurate information I was even told they will not reinvestigate because they investigated already. 
They have been harming my credit for years preventing me from purchasing property and getting loans and credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I am a victim of identity theft I notice a fraudulent account on my credit report in amount of {$110.00} I have filed a police report with the local sheriff office I will be seeking legal action to resolve this

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
XXXX XXXX debt creditor Experian, XXXX and XXXX is reporting several inaccuracies on my credit. I disputed XXXX of XXXX  regarding this being a fraudulent account and they keep raising the balance when the account has been closed for XXXX  years. I have disputed this for the past XXXX years and yet nothing has happened and the credit companies keep misreporting this and adding charges to my credit. 
15 U.S. Code 1681n - Civil liability for willful noncompliance And 15 U.S.C. 1681o Civil liability for negligent noncompliance

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 2025-01-09 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 recently obtained a copy of my credit report as part of my efforts to improve my credit and fulfill my financial responsibilities. Upon review, I noticed several accounts that require further clarification. I am not asserting whether they are being reported correctly or incorrectly, but I am uncertain about their accuracy. Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute any information that I believe may be inaccurate. Furthermore, I came across some accounts reported in my name by entities I do not recognize, which prompted me to reach out to you for verification. Are you familiar with 15 U.S.C. Sec. 1681i ( a )? As I understand it, if you are unable to provide proof of accuracy, the law requires that these accounts be deleted. Therefore, I request that these accounts be thoroughly investigated, and if they are found to be incomplete or inaccurate, I ask that they be removed from my credit report. I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified XXXX  % or deleted : XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX  and XXXX, and a charge-off with a {$XXXX} past due balance. Please verify the payment history and charge-off status. XXXX XXXX XXXX ( Account # XXXX ) Late payments in XXXX XXXX  and a charge-off with a {$XXXX} balance and {$XXXX} past due. Please verify the accuracy of this information. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX, Account # XXXX ) XXXX  account with a {$XXXX} balance as of XX/XX/2024. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the XXXX timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I recently reviewed my credit report and was shocked to discover numerous errors. Despite sending multiple letters to the credit reporting agencies requesting corrections, XXXX and Experian have failed to address or remove the inaccurate items. However, I want to acknowledge that XXXX has taken appropriate action to correct these errors, demonstrating compliance with federal law. The inaction by XXXX and Experian remains deeply concerning, especially given their responsibility to handle my information with care. 



Adding to this issue is the fact that my personal information was compromised in a known data breach involving these credit reporting agencies. This breach has not only exposed my sensitive information but also heightened my vulnerability to identity theft and fraud. In light of this breach, the failure of XXXX and Experian to correct errors on my report is an additional betrayal of trust and a violation of their legal obligations to protect and manage my information responsibly. 



Under 15 U.S.C. 1681b, permissible purposes for accessing consumer reports are strictly defined. The law explicitly states that a consumer reporting agency may only furnish a report in accordance with the written instructions of the consumer. Additionally, the Fair Credit Reporting Act ( FCRA ) clarifies under 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that certain transactions or experiences between a consumer and a creditor should not be included in consumer reports. Based on these laws, the late payments and other negative items currently reflected on my report by XXXX and Experian are unjustified and violate federal statutes.

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 2025-01-09 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:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXXXXXX XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off for {$5600.00} with a {$7100.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off of {$7600.00} with a {$7600.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a Charge-off of {$8000.00} with a balance of {$8000.00} past due. Please verify the accuracy of this information. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXXXXXX XXXX and a Charge off of {$3700.00}. Please confirm the accuracy of the collection status and details. XXXX XXXXXXXX ( Account # XXXX  ) Late payments reported in XXXXXXXX XXXX, and a Charge-off of {$3200.00} with a balance of {$3200.00} past due. Please verify the accuracy of this information. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete, due to 15 U.S. Code 6802. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance {XXXX} XXXX XXXX  Balance {$XXXX} XXXX XXXX XXXX XXXXXXXX Balance {$XXXX} XXXX  XXXX Balance {$XXXX} XXXX XX/XX/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 XXXXXX/XX/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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate. 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A fraudulent report of a collections account was placed on my XXXX report. I have already reported this to XXXX and Equifax, but this fraudulent account was not yet reflected on my XXXX credit report. Fortunately, XXXX has already removed this from my account, but it is essential that it is removed from all credit reporting, as this is not a valid report, and it is severely impacting my credit, which is unjust. 

A collection agency called " XXXX, '' put a fraudulent claim from " Original creditor University XXXX XXXX  '' on my credit account. I have already confirmed with the registrar at XXXX that no debt was owed. I hold a XXXX. from XXXX University, an XXXX from XXXX University, an Ed.D. from the University XXXX XXXX, and a post-graduate certificate from XXXX XXXX University, and I have never had an unpaid balance on my education accounts. This should provide context for my creditworthiness. I am also a higher education professional and faculty member. There is absolutely no way that I would have an unpaid balance for a course. Moreover, the fraudulent claim in question is only for {$120.00}, which is less than the cost of a single credit hour. As such, it does not require much inquiry to identify this as an invalid/fraudulent report. Before this randomly appeared on my credit report, I had never heard of " Conserve. '' They have not contacted me, or offered an opportunity to contest this inaccurate claim. 

This significantly impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. As a higher education professional ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for professional development one semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " conserve, '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is ostensibly unjust and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have i given any 3rd party consent to furnish a report. Please be reminded, no consent is identity theft. Please remove the following : XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-09 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: NY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX BALANCE {$65.00}

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 2025-01-09 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: GA

Complaint narrative:
Full Name : XXXX XXXX Date Of Birth XXXX Social - XXXX This CFPB complaint has been filed to request, pursuant to FC

RA 605B ( 15 U.S.C. 1681c-2 ), that the Experian block information appearing on my consumer credit report that is the result of identity theft and fraud. Within 4 business days of your receiving this request, block the fraudulent, inaccurate, and false information, which c
onsists of a personal loan opened at XXXX XXXX on XX/XX/year>, under the account number XXXX. 

In addition, block information regarding a fraudulent personal loan account opened at XXXX XXXX on XXXX account number XXXX. 

The unauthorized accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that all the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 

For additional evidence of fraud, I can provide a copy of the FTC Identity Theft Report, a police report related to this case, and proof of my identity. All communications and responses regarding this CFPB complaint are to be sent to me via email at 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 2025-01-09 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief