vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: AZ

Complaint narrative:
Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable. As the alleged debt appears on my Equifax credit report, I am disputing its validity and requesting its immediate deletion for the following reasons : Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay. Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA. Account Name : XXXX XXXX Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness. Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report. Written confirmation that the debt has been removed from all records and credit reporting. Cessation of all communication regarding this alleged debt. If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA. Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Addresses on My Equifax Credit Report Dear Equifax, I am writing to formally dispute multiple addresses appearing on my Equifax credit report that do not belong to me. These inaccurate addresses are a result of identity theft stemming from the Equifax data breach, which compromised my personal information. I have never resided at or used these addresses for any financial or credit-related purposes. Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting an investigation into these inaccuracies and that all non-matching addresses be permanently deleted from my credit file. I would like to have the following addresses permanently deleted from my Equifax Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please take immediate steps to investigate and correct my credit report by removing the unauthorized addresses. I request written confirmation once this action has been completed. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
Subject : Dispute of Fraudulent XXXX XXXX XXXX XXXX Account on My Equifax Credit Report Dear Equifax, I am writing to formally dispute a XXXX XXXX XXXX XXXX account and a XXXX XXXX account appearing on my Equifax credit report, which I did not open or authorize. I am a victim of identity theft, likely stemming from the Equifax data breach and the XXXX XXXX and XXXX XXXX XXXX both of which compromised my personal information. Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report. This account is inaccurate and does not reflect any financial activity authorized by me. I request written confirmation once this account has been permanently removed from my Equifax credit report. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
Subject : Dispute of Fraudulent Collection Account for XXXX XXXX XXXX XXXX Dear Equifax, I am writing to formally dispute a collection account reported by [ Collection Agency Name ] on behalf of XXXX XXXX XXXX XXXX. I have never lived at nor had any association with XXXX XXXX XXXX XXXX, and I am unfamiliar with its location. This account is not mine and is fraudulent. My personal information was compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXX both of which exposed my sensitive data to unauthorized use. I believe this fraudulent account was created as a result of these breaches. Additionally, my research on the XXXX website shows that this collection agency is not legally authorized to collect debts in the state of Arizona, where I have lived all my life. Their attempt to collect on this account is therefore illegitimate and violates state laws. Under the Fair Credit Reporting Act ( FCRA ) 611, I request that you investigate this matter and permanently delete this fraudulent collection account from my credit report. Please confirm receipt of this dispute and notify me promptly once the investigation is completed and the account is removed from my credit report. Thank you for addressing this matter with urgency. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
Subject : Refusal to Pay and Dispute of Collection Account Dear Equifax, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to formally notify you that I refuse to pay the alleged debt you claim I owe. Furthermore, I am disputing the validity of this debt and demand that the collection account be permanently deleted from my Equifax credit report. XXXX XXXX XXXX This debt is inaccurate and unverified, and as such, I invoke my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I demand that you cease all collection activities and communications with me regarding this matter, except to confirm that the account has been deleted or to provide lawful validation of the debt. If you are unable to validate this account as required by 15 U.S.C. 1692g, you must immediately cease all collection efforts and ensure its removal from all credit reporting agencies. Under FCRA 611, I also request that Equifax conduct a thorough investigation into this matter and confirm the deletion of this inaccurate and unverified collection account from my credit file. Please provide written confirmation of compliance with my requests. Failure to adhere to federal laws will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ). Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX XXXXXX/XX/XXXXaccount on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Disputed Account Information : Creditor Name : XXXX XXXX Bank Date Opened : XXXX XXXX Date of First Delinquency : XXXX XXXX XXXX is incorrectly reporting that I stopped making payments in XXXX, when in fact, the last payment on this account was made in XXXX. This appears to be a deliberate re-aging of the account, a deceptive practice that violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers report only accurate information. Under the FCRA 15 U.S.C. 1681c ( a ) ( 4 ), derogatory accounts such as charge-offs and late payments can not be reported for more than seven years from the date of first delinquency. Since my true date of first delinquency was in XXXX, this account is past the reporting statute of limitations and must be immediately and permanently deleted from my credit report. Formal Request for Resolution : Immediate Deletion of This Account The inaccurate re-aging of this account extends its reporting unlawfully. I demand its permanent removal from my Experian, TransUnion, and Equifax credit reports. Written Confirmation of Deletion Provide me with documentation confirming that this account has been deleted from my credit file. Failure to comply within the 30-day timeframe under 15 U.S.C. 1681i ( a ) ( 1 ) will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further enforcement action. I expect your immediate attention and compliance with this request. Thank you for your prompt response. 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX XXXXXX/XX/XXXXaccount on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Disputed Account Information : Creditor Name : XXXX XXXX Bank Date Opened : XXXX XXXX Date of First Delinquency : XXXX XXXX XXXX is incorrectly reporting that I stopped making payments in XXXX, when in fact, the last payment on this account was made in XXXX. This appears to be a deliberate re-aging of the account, a deceptive practice that violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers report only accurate information. Under the FCRA 15 U.S.C. 1681c ( a ) ( 4 ), derogatory accounts such as charge-offs and late payments can not be reported for more than seven years from the date of first delinquency. Since my true date of first delinquency was in XXXX, this account is past the reporting statute of limitations and must be immediately and permanently deleted from my credit report. Formal Request for Resolution : Immediate Deletion of This Account The inaccurate re-aging of this account extends its reporting unlawfully. I demand its permanent removal from my Experian, TransUnion, and Equifax credit reports. Written Confirmation of Deletion Provide me with documentation confirming that this account has been deleted from my credit file. Failure to comply within the 30-day timeframe under 15 U.S.C. 1681i ( a ) ( 1 ) will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further enforcement action. I expect your immediate attention and compliance with this request. Thank you for your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
Subject : Notice of Intent to Sue for FCRA Violations Unauthorized Reinsertion of Deleted Account To Whom It May Concern, I am writing to formally notify you of serious violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized reinsertion of a fraudulent collection account on my credit report. This serves as a final demand for immediate removal before I escalate legal action. Account Information : Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Townhomes Account Number : [ Insert if available ] Balance : {$17000.00} Date Opened : XX/XX/XXXX Re-Insertion Date : XXXX, XXXX Violations Committed : 1. Unauthorized Reinsertion Without Notice ( 611 ( a ) ( 5 ) ( B ) ) This account was previously deleted and later reinserted on my credit report. FCRA mandates written notice within five business days of reinsertion, which I never received. 2. Failure to Properly Investigate Dispute ( 611 ( a ) ( 1 ) ( A ) ) I previously disputed this account, and it was removed, proving it was either inaccurate or unverifiable. Your reinsertion without new verification violates my consumer rights. 3. Reporting Inconsistent and Inaccurate Information ( 623 ( a ) ( 1 ) ) This account is not reporting on XXXX, yet remains on Equifax and TransUnion. Inconsistent reporting across bureaus suggests inaccuracy, making this a violation of the FCRA. 4. Willful and Negligent Noncompliance ( 1681n & 1681o ) Your actions have resulted in financial and reputational harm. I reserve the right to seek statutory damages of {$1000.00} per violation, plus punitive damages and attorney fees. Demand for Immediate Action : 1. Delete the fraudulent account from my credit report permanently. 2. Provide written confirmation of the deletion within 15 days. 3. Cease and desist all further reporting of this inaccurate information. Failure to comply will result in legal action against you for willful noncompliance with federal law. I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. This letter serves as your final opportunity to rectify this issue before I pursue litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account XXXX XXXX ( {$1700.00} ) Dear Equifax XXXX Department, I am writing to formally dispute an inaccurate account currently reporting on my credit file. Upon reviewing my Equifax credit report, I noticed a XXXX XXXX account with a balance of {$1700.00}, which I have never opened or authorized. This account does not belong to me and is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Legal Violations & Basis for Deletion : 1. Violation of FCRA 1681e ( b ) - Inaccurate Reporting : The presence of this account on my report suggests a failure to maintain maximum possible accuracy in your records. I am demanding immediate deletion of this erroneous account. 2. Violation of FCRA 1681i ( a ) - Failure to Investigate Past Disputes ( If Applicable ) : If I have previously disputed this account and no proper reinvestigation was conducted, Equifax has failed in its legal duty to investigate and correct inaccuracies within 30 days. 3. Violation of FCRA 1681c-2 - Identity Theft Protections ( If Applicable ) : If this account resulted from identity theft, I demand that Equifax permanently block this item from my report under my legal rights. 4. Violation of FCRA 1681s-2 - Furnisher Reporting False Information : XXXX XXXX and/or any debt collector associated with this account is illegally furnishing false data to Equifax. Reporting inaccurate or unverifiable information is a violation of federal law. Demand for Immediate Action : Under my rights established by the FCRA, I am requesting : Immediate deletion of the XXXX XXXX account from my Equifax credit file. A formal response within 30 days confirming removal or a full reinvestigation with proper evidence. Copies of all verification documents that Equifax relied upon to report this account. If Equifax fails to correct this inaccuracy within 30 days, I am prepared to escalate this matter with : A formal complaint to the CFPB ( Consumer Financial Protection Bureau ). A lawsuit against Equifax for willful noncompliance under FCRA 1681n, which allows for damages up to {$1000.00} per violation, plus attorney fees. I expect a prompt resolution of this dispute. Please provide written confirmation of your actions. You may send your response to the mailing address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
Subject : FORMAL DISPUTE OF INACCURATE ACCOUNT REPORTING Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Equifax Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the XXXX XXXX collection account on my Equifax credit report. Upon reviewing my report, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the accuracy, legality, and completeness of the information being reported. FCRA & FDCPA VIOLATIONS IDENTIFIED 1. Failure to Accurately Report Dispute Status ( FCRA 623 ( a ) ( 3 ) ) The account is marked with Dispute resolved reported by grantor, yet I still actively dispute this debt. Under the FCRA, all disputed accounts must be properly updated to indicate an ongoing dispute. This failure to report accurate information violates federal law. 2. Failure to Validate the Debt ( FDCPA 1692g ( b ) ) XXXX XXXX is attempting to collect on an alleged debt without providing proper validation. If no signed contract, itemized statement, and original documentation exist proving my responsibility for this debt, continued reporting is unlawful. 3. Misclassification of Account as Open ( FCRA 607 ( b ) ) The account is marked Open, despite being a collection account. This misclassification misrepresents my creditworthiness and violates the FCRAs mandate of maximum possible accuracy. 4. Potential Re-Aging of Debt ( FCRA 1681c ( a ) ( 4-5 ) ) The Date Opened listed as XX/XX/XXXX appears inaccurate. If the original delinquency date is older than reported, this is an illegal attempt to re-age the debt and extend its reporting beyond the XXXX statutory limit. 5. Inaccurate Balance & Status ( FC RA 1681s-2 ( a ) ( 1 ) ( A ) ) If this debt has been paid, settled, or never owed, continued reporting of a balance is illegal under the FCRA and constitutes defamation of character and financial injury. FORMAL DEMAND FOR DELETION Due to these clear violations of the FCRA and FDCPA, I demand the immediate removal of this account from my Equifax credit report. Failure to comply with federal law within 30 days from receipt of this letter will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action. Requested Actions : Equifax : Delete this account from my credit file due to multiple reporting violations. XXXX XXXX : Provide full validation ( contract, statements, and records ) or delete the account. XXXX XXXX XXXX : Confirm whether this account was assigned correctly. I expect a formal written response within 30 days as required by law. Failure to act will result in legal action for willful noncompliance with 15 U.S.C. 1681n. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
Subject : Formal Dispute & Demand for Deletion Under FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate and obsolete information being reported on my Equifax credit file. The account listed below is in violation of the Fair Credit Reporting Act ( FCRA ) and must be deleted immediately : Creditor Name : XXXX Status : Charge-Off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX FCRA Violations & Legal Basis for Deletion : 1. Violation of FCRA 605 ( a ) ( 4 ) : Charge-off accounts can not be reported for more than XXXX years from the date of first delinquency ( XXXX ). Since this accounts XXXX is from XXXX, it should have been removed by XXXX. XXXX. Inaccurate Credit Utilization Reporting ( FCRA 1681s-2 ( a ) ) : Reporting a XXXX % utilization rate on a closed charge-off account is misleading and incorrect. XXXX. Failure to Mark Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) : If you have previously received a dispute and failed to mark the account as such, this is a violation of federal law. XXXX. Potential Re-Aging of Debt ( FCRA 611 ( a ) ( 5 ) ( B ) ) : If this account was previously deleted and reinserted without proper notification, this is unlawful. Demand for Immediate Deletion Under the FCRA, you have XXXX days to investigate this dispute and respond. If the account is not deleted, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ). Report XXXX violations to the Federal Trade Commission ( FTC ). Take legal action for willful noncompliance, which allows for statutory damages up to {$XXXX} per violation under FCRA 616. Please provide written confirmation of this accounts deletion within 30 days. Failure to comply will result in further legal actions. Sincerely, XXXX XXXX Part 2 Subject : Demand for Method of Verification ( M.O.V. ) Under FCRA 611 ( a ) ( 2 ) To Whom It May Concern, I recently disputed an account on my Equifax credit report, and per FCRA 611 ( a ) ( 2 ), I am demanding the Method of Verification ( M.O.V. ) used to verify the following account : Creditor Name : XXXX Under FCRA 611 ( a ) ( 7 ), I have the right to request : 1. The name and address of the furnisher of information. 2. A copy of the original signed contract or agreement proving my obligation to this debt. 3. A detailed description of the verification process used to confirm this accounts accuracy. If Equifax can not provide this information within 15 days, you are required to delete this account immediately under FCRA 611 ( a ) ( 5 ). Failure to comply will result in : A formal complaint with the CFPB, FTC, and my states Attorney General. Potential legal action for noncompliance under FCRA 616 and 617. Please respond within 15 days with the requested verification details. If not, I demand this account be permanently removed from my report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation