vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate negative mark that appears on my credit report, which I believe to be incorrect and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I respectfully request your assistance in investigating and resolving this matter. 

Specifically, I have never missed a payment on account number XXXX with XXXX XXXX. However, both Experian and Equifax are showing a 30-day late payment, while TransUnion correctly reflects no late payment history. I want to emphasize that I have no late payment history on any of my accounts across all creditors.

I am requesting that the inaccuracies reflected in the Experian and Equifax reports be promptly removed and that my credit report be updated and corrected across all three credit reporting agencies. 

Please find enclosed copies of relevant documents that support my claim, including my account history and recent credit reports. Should you require any additional information, I am happy to provide it. 

Thank you for your attention to this matter. Please keep me informed of the progress of this dispute. I can be reached at the contact information provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate negative mark that appears on my credit report, which I believe to be incorrect and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I respectfully request your assistance in investigating and resolving this matter. 

Specifically, I have never missed a payment on account number XXXX with XXXX XXXX. However, both Experian and Equifax are showing a 30-day late payment, while TransUnion correctly reflects no late payment history. I want to emphasize that I have no late payment history on any of my accounts across all creditors.

I am requesting that the inaccuracies reflected in the Experian and Equifax reports be promptly removed and that my credit report be updated and corrected across all three credit reporting agencies. 

Please find enclosed copies of relevant documents that support my claim, including my account history and recent credit reports. Should you require any additional information, I am happy to provide it. 

Thank you for your attention to this matter. Please keep me informed of the progress of this dispute. I can be reached at the contact information provided above.

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 2025-05-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that this consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
There are many inquires on my equifax, experian, and transunion report that I didnt give consent for and the reporting agencies will not remove them when disputed. I havent made any attempt to buy anything with my credit. There is an avant credit card that was opened when I was XXXX. Someone has been using my identity and now that I am home and trying to purchase a home for my family to reside in the damage that they have done to my credit is preventing me from doing so. I need all collections, late payments, and inquiries removed from each credit reporting agency immediately.

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 2025-05-06 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: GA

Complaint narrative:
There are many inquires on my equifax, experian, and transunion report that I didnt give consent for and the reporting agencies will not remove them when disputed. I havent made any attempt to buy anything with my credit. There is an avant credit card that was opened when I was XXXX. Someone has been using my identity and now that I am home and trying to purchase a home for my family to reside in the damage that they have done to my credit is preventing me from doing so. I need all collections, late payments, and inquiries removed from each credit reporting agency immediately.

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 2025-05-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that this consumer credit account is the result of identity theft and fraud.

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 2025-05-06 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:
have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I took the time to write and send a dispute letter to Experian on XXXX XXXX XXXX, because I noticed issues on my credit report that needed to be addressed. However, on XXXX XXXX XXXX, I received an email dismissing my dispute and suggesting that it may not have come directly from me. That was both confusing and offensive. I personally wrote that letter, and I know my rights under the FCRA. Experians response felt like a way to avoid doing the work they are legally required to do.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XXXX  showing balance for {$1000.00} on my credit report for leasing furniture that I have no knowledge about. The account was open on XX/XX/year> and was closed on XX/XX/year>. I reached out to XXXX  about this matter and they gave me the number to the debt collector, which is trueaccord

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I notice a large amount of inquiries I have no idea about and someone may be using my information please see the listed inquiries and remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry was not authorized 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a outstanding balance on XXXX XXXX credit cards, I was starting a bankruptcy case due to medical unable to pay my aunt offered help if I could get a settlement offer I contacted capitolone worked out some accepted offers set up payment amounts They gave me a 2 week window which I informed them I needed more time to get information to my Aunt and she would mail the settlement amounts I did tell them with the mail system i'd need a little more time then they gave me they told me to keep them posted which i did through this process then the received and applied the amounts sent to my card balances and then still trying to bill me for the original amounts Then on my one of the last agreed settlement offers I told them that I would need this in writing to give to my Aunt so then they waited 4 business days to get me this info then I forwarded via mail to my Aunt to pay for me then with the mail system they received and then stated the settlement was broken even after they waited to get me the settlement offer proof I did stay in contact with them to let them know it all has been paid and mailed I really feel they took advantage of the mail system timeframe to collect the full original balance We did everything right by paying and staying in communication through this prossess and not stiff anyone by filling for Bankruptcy rathe willing to pay settlement as agrred upon This all to place early XXXX to current still trying to get resolved Capitolone cards ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please help with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-06 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: OH

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$9400.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 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: GA

Complaint narrative:
I keep sending in notarize documents six in the six letters, and they keep claiming that they cant read them and they are not legible

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 2025-05-06 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: GA

Complaint narrative:
I keep sending in notarize documents six in the six letters, and they keep claiming that they cant read them and they are not legible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
bXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain inaccurate information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I am requesting that these items be investigated and either corrected or removed due to their inaccuracy and unreliability. 

The FCRA requires that credit reporting agencies maintain maximum possible accuracy in the information they report. Section 1681e ( b ) states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. '' Additionally, under Section 1681i ( a ) ( 5 ) ( A ), if an investigation concludes that the information is inaccurate or can not be verified, the CRA must promptly delete that item from the consumer 's file. 

The following accounts are in dispute due to fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ), I am requesting that all information related to the fraudulent accounts listed below be blocked from my credit report and permanently deleted. The law requires that a consumer reporting agency block identity theft-related information from a consumers file within four business days of receiving the appropriate documentation and proof of identity Please conduct an investigation into these matters and provide written confirmation of the results. If the information can not be verified, it must be deleted from my credit report in accordance with the law. 

Enclosed are copies of supporting documentation ( e.g., credit report, ID, proof of address, statements ) to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day time period provided by 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 2025-05-06 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:
To Whom It May Concern, I am writing to formally dispute certain inaccurate information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I am requesting that these items be investigated and either corrected or removed due to their inaccuracy and unreliability. 

The FCRA requires that credit reporting agencies maintain maximum possible accuracy in the information they report. Section 1681e ( b ) states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. '' Additionally, under Section 1681i ( a ) ( 5 ) ( A ), if an investigation concludes that the information is inaccurate or can not be verified, the CRA must promptly delete that item from the consumer 's file. 

The following accounts are in dispute due to Fraud XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX Please conduct an investigation into these matters and provide written confirmation of the results. If the information can not be verified, it must be deleted from my credit report in accordance with the law. 

Enclosed are copies of supporting documentation ( e.g., credit report, ID, proof of address, statements ) to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day time period provided by law.

Company response to consumer: Closed with non-monetary relief