vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
I am extremely frustrated to find an unauthorized inquiry on my credit report today, with no explanation as to why it's there. I regularly check my report, and this sudden discrepancy is completely unacceptable. Refreshing my browser did nothing, proving this is not a glitch. This needs to be fixed immediately, and I urge you to thoroughly examine the documents I submitted so I dont have to deal with this stress any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 explanation
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to notify you of your potential liability under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that [ describe the inaccurate informatione.g., an incorrect account, fraudulent charges, outdated negative information, etc. ] has been reported by [ furnishing entity ] to my credit file.

According to 15 U.S.C. 1681o, a consumer reporting agency or furnisher of information may be held civilly liable if they negligently fail to comply with their obligations under the FCRA, resulting in harm to a consumer. The failure to correct or investigate these errors in a timely manner constitutes a negligent violation, which entitles me to damages, including actual harm suffered and potential legal fees.

I am requesting that you : Conduct a reasonable investigation into this matter as required by the FCRA.

Provide documentation supporting the accuracy of the reported information.

Correct or remove the inaccurate information from my credit file immediately.

Please confirm in writing that you have received this dispute and provide an update on your findings within 30 days, as required by law. If this matter is not resolved appropriately, I am prepared to pursue further action, including seeking damages for negligence under 15 U.S.C. 1681o. 

Thank you for your prompt attention to this matter. I expect a response no later than XX/XX/year>. If you need additional information, please contact me at 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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
This debt is not mine. They keep transferring it back and forth with insurance companies.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Equifax for its failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my lawful dispute of inaccurate information on my credit report, Equifax has failed to remove both incorrect addresses and an erroneous late payment within the required timeframe. More than 30 days have passed since my dispute was submitted, yet I have received no response or resolution a clear violation of federal law. 

On XX/XX/year>, I formally disputed the inaccuracies and late payments. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation and correct or delete any information that can not be verified within 30 days. Additionally, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. 

By failing to address my dispute within the legally mandated period, Equifax is in direct violation of these statutes. This negligence has caused me measurable harm, as the false late payment has negatively impacted my credit score, and the presence of incorrect addresses raises concerns about potential identity theft or misreporting. 

I am formally requesting the CFPBs intervention to : 1. Compel Equifax to comply with the FCRA by promptly removing the unverifiable addresses and inaccurate late payment from my credit report.

2. Investigate Equifaxs failure to adhere to federal law and take appropriate enforcement actions to prevent further violations.

3. Ensure I receive written confirmation from Equifax detailing the actions taken to correct my credit report.

Equifaxs inaction has caused me unnecessary financial and emotional stress. I am counting on the CFPB to enforce the law and hold Equifax accountable for its non-compliance. 

Thank you for your time and attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Georgia Student Finance Authority
State: CO

Complaint narrative:
I would like my first deliquency date to be accurate on ALL MY CREDIT REPORTS. 

Its hard to get rid of late payment status if they are not reporting my account as accurate as possible. 

My first deliquency date was in XX/XX/XXXX per the Loan company. However, none my credit report has my first deliquency date, which is making this loan and late payments carry on longer then it should. PLEASE PLEASE ADD my dates. 

I ADDED a document sent from them ( Email XX/XX/XXXX ) that list the first date delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : 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 2025-03-06 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: NY

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : 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 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. XXXX XXXX XXXX  & date XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  & date XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2025-03-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-03-06 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Dear Sir/Madam, I am writing to formally request, under the provisions of 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that you immediately cease all communication with me regarding the alleged debt associated with XXXXXXXX XXXX 

As per the FDCPA, I am exercising my right to demand that you discontinue all communications with me, including but not limited to phone calls, emails, letters, or any other form of contact. 

I understand that under 15 U.S.C. 1692c ( c ), once you have received this written request, you are legally required to stop communicating with me except for very limited circumstances ( such as informing me of the filing of a lawsuit ). I do not wish to receive any further contact from your agency regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, as they are hurting my ability to purchase a car or home.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-06 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: FL

Complaint narrative:
XXXX XXXX reported me for collection because they are trying to charge me for a device that I sent them XXXX months ago. I called them to solve the problem and they did not want to look for the device with the tracking number I have. Today this account went on my credit report and it is greatly affecting my ability to get credit for my projects. I demand that this account be verified that the device was shipped and that I do not owe XXXX XXXX anything and immediately removed from my report because of the fair credit law that protects me. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ). 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I am filing a formal complaint against Spring Oaks Capital, which is unlawfully attempting to collect a debt allegedly associated with XXXX XXXX XXXX. This collection effort is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

Issue Summary : 1. Unverified and Potentially Fraudulent Collection Attempts Spring Oak Capital has contacted me regarding a debt that I do not recognize and have never been provided verification for.

Under the FDCPA, debt collectors are required to validate a debt before engaging in collection efforts, yet they have failed to do so.

2. False & Misleading Credit Reporting If this debt is being reported to credit bureaus, this constitutes a violation of the FCRA, which prohibits the reporting of unverified or inaccurate information. 
Spring Oak Capital is responsible for ensuring all reported information is accurate and must immediately remove any unverifiable accounts. 
3. Violation of My Consumer Rights & Emotional Distress I have suffered credit damage, financial uncertainty, and emotional distress due to these unlawful collection attempts. 
The failure to validate this debt and the continued attempts to collect constitute clear violations of my consumer rights. 

Relief Requested : Immediate Cease & Desist : Spring Oak Capital must immediately cease all collection activities. 
Debt Removal : Any negative reporting associated with this debt must be removed from all credit bureaus. 
Monetary Compensation : I am requesting statutory damages of {$1000.00} per FCRA violation, as allowed under 15 U.S.C. 1681n ( a ), as well as compensation for emotional distress caused by their actions.

Regulatory Investigation : I request that the CFPB launch an investigation into Spring Oak Capitals collection and reporting practices.

I expect immediate action regarding this matter, and I reserve the right to pursue legal action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I recentlly reviewed a copy of my credit report and noticed I had fraudulent account in my report.Please remove those account from my report they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is to request the removal of the fraud alert on my personal credit 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 non-monetary relief
Consumer complaint received 2025-03-06 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:
I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX as listed on my credit report. They did not provide me with the original contract as requested.

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