vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-05 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: MI

Complaint narrative:
RE : REQUEST FOR REMOVAL OF INACCURATE CREDIT INFORMATION TO WHOM IT MAY CONCERN ; UPON REVEWING MY CREDIT REPORT, I HAVE IDENTIFIED THE FOLLOWING ITEM ( S ) THAT CONTAIN INACCURACIES XXXX XXXX { XXXX XXXX : THIS COMPANY IS IN VIOLATION OF ( 15 USC 1681N ) THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELETE THIS UNAUTHORIZED INQUIRY AMERICREDIT- { XXXX XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY CONSUMER PROTFOLIO- { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY ALLY FINANCIAL { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX  XXXX VIA DEALER { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XX/XX/year> XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY I DID NOT CONSENT, NOR DID I AUTHORIZE AND NOR DID I BENEFIT FROM THE FOLLWOING INQUIRIES, THEY ARE FRAUD AND REMOVE THEM IMMEDIATELY SINCERELY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: LEXISNEXIS
State: MI

Complaint narrative:
RE : REQUEST FOR REMOVAL OF INACCURATE CREDIT INFORMATION TO WHOM IT MAY CONCERN ; UPON REVEWING MY CREDIT REPORT, I HAVE IDENTIFIED THE FOLLOWING ITEM ( S ) THAT CONTAIN INACCURACIES XXXX XXXX { XXXX XXXX : THIS COMPANY IS IN VIOLATION OF ( 15 USC 1681N ) THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELETE THIS UNAUTHORIZED INQUIRY XXXX- { XXXX XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX VIA DEALER { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XXXX XXXX } ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY XXXX XXXX { XX/XX/2023 XXXX ) THIS COMPANY IS IN VIOLATION OF ( 15USC 1681N ) THESE FRAUDULENT INQUIRUES MUST BE REMOVED IN 4 DAYS ( 15 USC 1681C-2 ) PLEASE DELTE THIS UNAUTHORIZED INQUIRY I DID NOT CONSENT, NOR DID I AUTHORIZE AND NOR DID I BENEFIT FROM THE FOLLWOING INQUIRIES, THEY ARE FRAUD AND REMOVE THEM IMMEDIATELY SINCERELY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-05 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: IL

Complaint narrative:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.

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 2025-02-05 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received a letter to be sued by a company I never had any acknowledgment of. I did not sign any papers with Midland credit management. Yet they are trying to sue me for a debt that I never even had with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express sold my personal information and violated my privacy to a non-affiliated third party ( XXXX XXXX ) which is in violation of the original contract and applicable law of 15 USC 6501-6505.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-05 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: AZ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX  - XXXX - {$660.00} XXXX XXXXXXXX - XXXX - {$390.00} XXXX - XXXX - {$380.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-05 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: FL

Complaint narrative:
Inquiries listed on my credit report that I did not consent to : Names : XXXX XXXX INQUIRY DATE XX/XX/year> XXXX XXXX INQUIRY DATEXXXX XXXX XXXX INQUIRY DATE XX/XX/year> XXXX XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
XXXX XXXX contacted me showing a XXXX  balance and still on my report XXXX it is an old account after 7 years XXXX XXXX removed off credit report. XXXX XXXX XXXX - no knowledge of this account call company they removed and it was put on XXXX only XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance Paid collection - should be off of credit according to promise to pay it is paid and still showing on credit collections sections XXXX still reporting after paid XXXX - wrong amount and reporting me on credit inaccurate information for XX/XX/XXXX XXXX amount send in to 3 credit reports still inaccurate information

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 2025-02-05 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: PA

Complaint narrative:
XXXX XXXX contacted me showing a XXXX  balance and still on my report XXXX it is an old account after 7 years XXXX XXXX removed off credit report. XXXX XXXX XXXX - no knowledge of this account call company they removed and it was put on XXXX only XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance Paid collection - should be off of credit according to promise to pay it is paid and still showing on credit collections sections XXXX still reporting after paid XXXX - wrong amount and reporting me on credit inaccurate information for XX/XX/XXXX XXXX amount send in to 3 credit reports still inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
A 1099-C is a form issued by a lender or creditor to report the cancellation of a debt. If a lender forgives or cancels a debt of {$600.00} or more, they are required to issue this form. The 1099-C reports the amount of debt that was canceled, and that amount may be considered taxable income by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
LVNV Funding, I spoke with someone transferred twice, The call was then dropped wrote a couple e-mails. 

I explained that I havent opened any kind of account in more than 7 years as well I told them the dates were wrong, I just started going over credit reports and you have put different dates on them. 

No reply originally date was XX/XX/XXXX the same debt now showing an open date of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$550.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
RobinHood app is withholding my access to my own account - money and XXXX XXXX at over {$4000.00} as of today XX/XX/year>. They have provided no information as to why, despite my calling and speaking with a living man " XXXX. '' I was not told why I can not access my account, only that I can not while it is " under review ''. I can not trade or access my funds, possibly indefinitely, as no reason whatsoever has been given for this offense.

Company response to consumer: Closed with explanation