vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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.

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-21 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.

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-21 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Tansunion has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-02-21 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 

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 2025-02-21 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: AL

Complaint narrative:
The XXXX XXXX ( Equifax ) Acc # XXXX was deleted from XXXX and Transunion I reported this to Equifax, and nothing has been done/deleted XXXX XXXX XXXX Transunion ) Acc # XXXX was deleted from XXXX and Equifax I reported this to Transunion, and nothing has been done/deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
This is regarding an inaccurate entry appearing on my Equifax credit report related to an account with XXXX XXXX. The account in question was charged off and closed in XXXX. However, it is currently being reported as open, with XXXX missed payments and an alleged outstanding balance of {$3000.00}. This information is incorrect and is negatively impacting my credit history. 

Details of the Dispute : Date of Charge-Off and Account Closure : XXXX  Alleged Debt : {$3000.00} Credit Bureau Reporting the Issue : Equifax ( XXXX XXXX is also refusing to resolve and they are reporting the information from XXXX XXXX  and Equifax ) Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX Code XXXX et seq. ), all information provided to credit reporting agencies must be accurate, complete, and verifiable. Since this account was both charged off and closed in XXXX, it should not be reported as open, nor should it reflect any additional missed payments or an outstanding balance. This inaccuracy is harming my credit profile and violates the provisions of the FCRA. XXXX provided no evidence that this debt is valid and that it should legally be reopened out of nowhere. 

I have attempted to resolve this with Equifax and XXXX XXXX, but the account is still being reported inaccurately. As such, I am requesting the CFPBs assistance in investigating this issue. Specifically, I request that XXXX XXXX and/Equifax : XXXX. Investigate the reported error and provide proof that the account was re-opened and that the alleged balance of {$3000.00} is valid. 
XXXX. Correct or remove any inaccurate entries regarding this account from my Equifax credit report. 
XXXX. Confirm in writing that the account remains closed and charged off. 

Thank you for your assistance in ensuring that accurate information is reflected in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
In XXXX of 2018 I purchased tires through Acima I was given credit and Acima told me that this was a lease and that my information would not go on my credit report. My Account information regarding Acima is currently on my credit report, showing that the total amount of money owed was written off when it was not written off. I paid this account in full. Acima lied to me, I even called to find out how much I needed to pay that I owed I have filed many disputes with XXXX regarding the situation every time that XXXX notifies me through email they say they have my dispute results ready there is nothing in those dispute results that explain any kind of results, I have been working hard to repair my credit. In the beginning Acima before I signed any papers when I was on the phone with them they told me that no information would be posted to my credit report and the reason why I say this is because I wanted to get tires on credit to start to establish good credit with some type of company but they said that this was a lease and that none of my information about my payments would go on my credit report so why is Acima on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: OH

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Information Regarding Bankruptcy Verification Dear Equifax Customer Service, I hope this letter finds you well. I am writing to request clarification and additional information regarding the verification of my bankruptcy status as reported on my credit file. I believe it is essential to ensure that the information reported is accurate and complies with applicable regulations. 

Firstly, I would like to understand how and from which sources Equifax received the information used to verify the bankruptcy associated with my account. Specifically, I am interested in knowing the details of any documentation or records that were utilized to confirm the accuracy of this information. 

Additionally, I would like to request a copy of the written signature or authorization that grants permissible purpose for Equifax to report this bankruptcy on my credit report. It is important for me to ascertain that my rights are being upheld in accordance with the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and look forward to your prompt response. Please provide the requested information within XXXX days, as stipulated by the FCRA. If you require any further information from my side to process this request, please do not hesitate to reach out. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
Equifax failed in its essential duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, Equifax failed to conduct adequate investigations of disputed information in credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a dispute on the Equifax website under dispute XXXX for fraudulent inquires from XXXX XXXX XXXX, and XXXXXXXX XXXX, I provided Equifax with my FTC Fraud affidavit, proof of address and my drivers license, Equifax refused to remove the credit inquires off my credit file, These inquires need to be removed, I have attached the documents once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX AR, XXXX XXXX XXXX XXXX CO # XXXX You did not conduct investigation and as such I request removal of this account from my credit report XXXX XXXX XXXX # XXXX I noticed you are reporting multiple XXXX day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than XXXX  days past my due date. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX AR, XXXX XXXX XXXX XXXX CO # XXXX You did not conduct investigation and as such I request removal of this account from my credit report XXXX XXXX XXXX # XXXX I noticed you are reporting multiple XXXX day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than XXXX  days past my due date. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicing Solutions, LLC
State: TN

Complaint narrative:
I applied for and received a business credit card offered by XXXX, named the XXXX XXXX XXXX. The actual card issuer ended up being XXXX XXXX. I used the card, and consistently paid according to terms without exception. Without any warning to me or other cardholders, XXXX abruptly ended/withdrew the card in XX/XX/year>. I received notice of this by email. I mistakenly thought that it was being transferred to another bank, or similar, but after a month or so, I realized to my surprise it had been " transferred ' to a collection agency, Servicing Solutions. I do not know this company, nor did I provide informed consent to be paying a collection agency. I consider the cancelling of the credit card and having a collection company demand payment from me to be effectual fraud. XXXX did not fulfill the obligations of their agreement, nor provide the credit card features that were offered/stated at the time I applied and was accepted as a client. Currently Servicing Solutions is claiming that I owe them approximately {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, stemming from fraud, should have already been deleted but remains improperly listed. Under FCRA Section 605, you are required to eliminate any incorrect records. I have previously submitted the necessary supporting documents and am including them again for your reference. My attorney is aware of the situation and prepared to pursue legal action if this matter is not resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, stemming from fraud, should have already been deleted but remains improperly listed. Under FCRA Section 605, you are required to eliminate any incorrect records. I have previously submitted the necessary supporting documents and am including them again for your reference. My attorney is aware of the situation and prepared to pursue legal action if this matter is not resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have disputed credit one and capital one multiple times onXXXX  and XXXX but they are still reporting this on my credit and will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
In regard to account XXXX XXXX XXXXXXXX account Number XXXX I am writing to dispute inaccurate information on my credit report and to raise concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, regarding permissible purposes of consumer reports I am requesting that you thoroughly investigate these matters, correct the inaccurate information, and provide me with the requested accounting of who has accessed my report. Failure to comply with the FCRA, including XXXX XXXX XXXX, can result in legal action.

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 2025-02-21 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: PA

Complaint narrative:
In regard to account XXXX XXXX XXXXXXXX account Number XXXX I am writing to dispute inaccurate information on my credit report and to raise concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, regarding permissible purposes of consumer reports I am requesting that you thoroughly investigate these matters, correct the inaccurate information, and provide me with the requested accounting of who has accessed my report. Failure to comply with the FCRA, including XXXX XXXX XXXX, can result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
In XXXX, my brother and his girlfriend stole my debit cards, license, and personal identification. Since then, they have been using my identity without my permission to open fraudulent accounts, including this one with XXXX XXXX XXXX. During the period that this account was opened, I was living WITH MY MOM Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be thoroughly investigated and removed from my credit report. The FCRA grants me the right to dispute any information I believe to be inaccurate or a result of identity theft. 
Please confirm receipt of this letter and notify me once the fraudulent account has been removed from my credit report. If you require any additional information or documentation to process this request, feel free to contact me

Company response to consumer: Closed with non-monetary relief