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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
REMOVE THESE HARD INQUIRIES : XXXX XXXX ; XXXX XXXX. I did not apply for credit with these companies, nor did I provide authorization for them to access my credit file. Under the FCRA, hard inquiries require consumer consent. Since I did not grant such consent, these inquiries are unauthorized and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I found this company on my credit report LVNV Funding LLC ; I disputed this account XXXX times and was last reported on XX/XX/year>, on my Credit Report as an open account. the company says I owe them {$800.00} and this is not true and they have destroyed my credit. 

I do not owe them {$800.00} they are some type of collection agency, however, It is not clear to me how this account can be an actively open account when I have disputed it! and they can not provide me with the original signed documentation and/or statements.

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: SC

Complaint narrative:
I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
All data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Regarding Inability to Access My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute an issue concerning my credit file with Equifax. Upon multiple attempts to access my credit report, either online or through customer service, I have discovered that my file appears blank or unavailable despite providing my full and accurate personal information.

This issue is highly concerning, as I have the legal right to review my credit report under the Fair Credit Reporting Act ( FCRA ). The failure to provide my credit report violates my rights as a consumer and prevents me from verifying the accuracy of any information that may be reported under my profile.

Request for Resolution 1. I am formally requesting that Equifax : Investigate and correct any system errors preventing me from accessing my credit report.

2. Provide me with a complete and accurate copy of my credit report as required under FCRA 609 ( a ) ( 1 ).

3. Explain why my credit file is inaccessible and provide written confirmation of any issues discovered during your investigation.

4. Ensure that my credit profile is properly maintained and available for my review moving forward.

If Equifax is unable to resolve this issue, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for further investigation. Additionally, I may explore legal action for non-compliance with the FCRA.

I expect a written response within 30 days of receipt of this letter, as required under federal law. Please mail a detailed response and a copy of my corrected credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX in XXXX, XXXX, as well TransUnion, for failing to remove multiple unauthorized credit inquiries that were made without my consent. This is my third time requesting for proper investigation and nothing has changed. 
XXXX XXXX XXXX unlawfully ran my credit several times without my written or verbal authorization, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681b. Despite disputing these inquiries with the dealership and the credit bureaus, they have failed to take action and continue to report these hard inquiries on my credit file. These unauthorized inquiries have damaged my credit score and are negatively impacting my ability to obtain credit. Details of the Issue : 1. Unauthorized Credit Inquiries by  XXXX XXXX XXXX : Date ( XXXX ) of Inquiry : XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX. Failure of Credit Bureaus to Investigate & Remove Inquiries : I disputed these unauthorized inquiries with XXXX, XXXX, and TransUnion, providing evidence that I did not consent to these inquiries. 
Despite providing supporting documentation, only TransUnion failed to conduct a proper investigation and refused to remove the inquiries. 
FCRA 611 requires credit bureaus to investigate and correct inaccurate or unauthorized information. Their failure to do so is a violation of federal law.

4. Impact on My Credit : These hard inquiries have lowered my credit score, affecting my ability to obtain credit or favorable loan terms.

I have suffered financial harm due to this inaccurate reporting.

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 is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint regarding an account that has been inaccurately reported on my credit file. The original creditor, XXXX  XXXX  at XXXX  XXXX  XXXX, transferred my account to IQ Data Int, a collection agency, without providing proper notification. This failure to inform me before the transfer or sale of the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may also breach the Fair Credit Reporting Act ( FCRA ).

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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-03-06 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-03-06 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: FL

Complaint narrative:
I urgently need your assistance in resolving the issue of my stolen identity. I kindly ask you to swiftly remove the fraudulent items and promptly update any other incorrect 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 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: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my credit profile I came across hard inquiries that do not belong to me.

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: MO

Complaint narrative:
have reviewed my credit report and found an error that must be corrected. In accordance with the Internal Revenue Manual, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charged off accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have contacted XXXX and they have confirmed that this account has been sold to different entity for collection. This information has been attached to this complaint. XXXX has sold this account to XXXX XXXX XXXX XXXX XXXX XXXX. This is a debt collector, as defined by 15 U.S.C. 1692 ( a ) ( 6 ), which is a third party, and therefore can not be reported as a chargeoff on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, KS XXXX and have confirmed this debt has been sold to them. 
Additionally, the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is listed on my credit report as charge off. This debt has been sold to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is a debt collector. This law firm is a debt collector, as defined by 15 U.S.C. 1692 ( a ) ( 6 ), which is a third party, and therefore can not be reported as a chargeoff on my credit report.

Please send the requested 1099-C form.

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 — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under the law 15 U.S.C 1681, 1682, 1691, under 1691 this is unlawful and I have not given my consent nor have I been given information about this account, will need it removed within 14 days.

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 is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding an account that has been inaccurately reported on my credit file. The original creditor, XXXX XXXX XXXX XXXX, transferred my account to LVNV Funding, a collection agency, without properly notifying me. 

This failure to provide prior notice before the transfer or sale of the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may also be a violation of the Fair Credit Reporting Act ( FCRA ).

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inclusion of the following bankruptcy records on my Experian credit report, as they have been inaccurately reported and continue to cause damage to my reputation, creditworthiness, and overall financial standing. The accounts in question are : XXXX XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Legal Basis for My Dispute & Immediate Removal Request Pursuant to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. After reviewing my credit reports from XXXX and XXXX, I have confirmed that these agencies have removed these bankruptcies from my file, as they were unable to verify them. Therefore, I demand that you remove these bankruptcies from my Experian report immediately.

Furthermore, pursuant to 15 U.S. Code 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my consumer report. I did not provide any written authorization for this information to be reported, and no such consent exists.

The reporting of these bankruptcies without my consent constitutes Identity Theft, and these violations are classified as Aggravated Identity Theft under 18 U.S. Code 1028B ( 1 ) ( A ) ( ii ). Your agency has knowingly transferred, possessed, and used my identifying information without lawful authority, which is a felony punishable by up to two years of imprisonment, in addition to civil liability.

Recent CFPB Enforcement Action Against Experian It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly investigate consumer disputes and for allowing inaccurate information to persist in consumer credit files. The CFPB alleges that Experian conducted superficial investigations into consumer disputes and permitted deleted false information to reappear in credit files, thereby harming consumers ' financial well-being. This enforcement action underscores the seriousness of maintaining accurate credit reporting and the legal obligation of Experian to conduct thorough investigations into consumer disputes. XXXX Damages for Violations Under 15 U.S. Code 1681n Due to these violations, I am invoking my rights under 15 U.S. Code 1681n and demand the following damages per violation : Permissible Purpose Violation : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Creditworthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00}

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 is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I called to IC Systems to verify a debt on my credit report. The company has no records of me or any debt in my name. Ive disputed this several times on my credit report and somehow it keeps coming back as verified.

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:
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 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: FL

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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies in my credit report. These include incorrect account listings, unfamiliar collection accounts, unauthorized inquiries, billing errors, and other discrepancies. These errors negatively impact my financial profile, and I request your assistance in rectifying them.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.

Company response to consumer: Closed with explanation