vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: MD

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, corrected or deleted : XXXXXXXX XXXX  ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$12000.00} past due. Please verify the accuracy of this information. XXXX XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$780.00} past due. Please verify the accuracy of this information. XXXX ( Account # XXXX ) Collection account with a {$4800.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXXXXXX XXXX ( Account # XXXX ) Collection account with a {$910.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX ( Account # XXXX ) Collection account with a {$430.00} past due balance as of XX/XX/year>. 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 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation

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 2025-03-11 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: MI

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Collection/Charge Off Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 2025-03-12 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion, XXXX, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Account in Question : Account XXXX : XXXX Account Number : XXXX Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. 15 U.S.C. 6802 Financial Institutions Duty to Protect Privacy Under this statute, financial institutions and related entities are required to provide consumers with the right to opt-out of their personal information being shared with non-affiliated third parties. I was not given the opportunity to opt-out, nor did I provide consent for my information to be shared with Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Incorrect Personal Information Also Known As : 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 2025-03-12 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate collection account that appears on my credit report. Despite my dispute with XXXX, the information has not been corrected or removed, and the matter involves violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 U.S.C. 1692. 

The account in question is from Caine & Weiner, a collection agency that has reported erroneous information on my credit file. I formally disputed this account with XXXX, providing evidence that the information is inaccurate and that the debt does not meet legal reporting requirements. However, despite my request for proper validation, XXXX has failed to remove or correct the inaccurate information, thereby allowing a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA to persist. 

Specifically, Caine & Weiner has failed to provide adequate documentation proving the validity of the alleged debt and has continued to report erroneous information without proper verification. This action is in direct violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g, which require debt collectors to provide proper validation of a debt upon request and prohibit the use of false or misleading information. 

I request the CFPB to take immediate action to investigate this matter and ensure compliance with federal law. I also urge you to hold XXXX and Caine & Weiner accountable for their failure to adhere to legal requirements. Please provide me with an update regarding the actions that will be taken to address my complaint. 

Attached are copies of my dispute letter to XXXX, their response ( if any ), and any supporting documents demonstrating the inaccuracy of the collection account. Please let me know if additional information is required. 

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple erroneous late payments that have been reported on my credit file for my XXXX account XXXX Account # XXXX ) from XXXX to XX/XX/year>. These late payments resulted from a documented technical error with the automatic payment system, which was entirely out of my control. 

Despite my efforts to ensure timely payments, an issue with the creditors processing system caused delays, leading to unjustified negative marks on my credit report. I have attempted to resolve this matter directly with the creditor, but my concerns have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Laws, I am entitled to a fair and accurate credit report free of erroneous information. 

Legal Basis for Removal : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate information to credit bureaus. Since these late payments were caused by a technical issue and not financial negligence on my part, they should not be reflected on my credit report. 
FCRA 1681i ( a ) ( 1 ) : I have the right to dispute inaccurate or unverifiable information, and the data furnisher must properly investigate and remove any incorrect reporting.

FCRA 1681s-2 ( b ) : If an error is disputed, the furnisher is legally obligated to conduct a reasonable investigation and correct the inaccuracy.

Despite these legal protections, the inaccurate late payments remain on my file, significantly impacting my creditworthiness. I am requesting immediate removal of these late payments from my report to rectify this matter. 

Next Steps : If this issue is not resolved promptly, I will have no choice but to file a claim in my local small claims court to seek damages for financial harm caused by this reporting error. I am also prepared to escalate this matter with the appropriate regulatory agencies overseeing fair credit reporting practices. 

Please confirm receipt of this complaint and provide an official resolution in writing. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CRAs are reporting inaccurate late payments on an account that were approved for a hardship program during that time. In accordance with 15 U.S. Code 1666 ( b ), I request that you investigate this matter and correct these inaccuracies promptly. Please update my credit report to reflect the accurate payment history and provide me with written confirmation of the changes.

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 2025-03-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Inquiries Demand for Deletion Under FCRA and Metro 2 Compliance I am formally disputing unauthorized inquiries appearing on my credit report. My name is XXXX XXXX XXXX XXXX, and the only name that should be reporting on my credit file is exactly as stated. My correct and only reporting address should be XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my credit report within four ( 4 ) business days upon receipt of this letter. Additionally, under Metro 2 compliance guidelines set by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all reported data must be accurate, verifiable, and authorized. The following inquiries were not authorized by me and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX TransUnion ) 8XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX ( Equifax ) These inquiries were not authorized, and as such, they must be removed immediately to maintain compliance with federal law. If you fail to do so, I will escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and taking legal action.

If you believe any of these inquiries were authorized, provide documented proof of my explicit written consent under 15 U.S.C. 1681b ( f ). I expect written confirmation of the deletions within four ( 4 ) business days. 

Sincerely, 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 2025-03-12 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
These Hard Inquiries do not belong To me have not been authorized by me and should be removed. These other too Thanks XACTUS LLC XXXX XXXX XACTUS LLC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
These Hard Inquiries do not belong To me have not been authorized by me and should be removed. These other too Thanks XAXTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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