vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
It has come to my attention that your company has placed multiple inquiries on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
It has come to my attention that your company has placed multiple inquiries on my credit report without my permission.

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 2025-03-18 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: MD

Complaint narrative:
Dear CFPB ( Consumer Financial Protection Bureau ), I hope this message finds you well. I am writing to file a complaint regarding an issue with inaccurate information being reported on my credit file. Despite the fact that I have paid the account in full, the account continues to be reported incorrectly by the credit bureaus, and the dates associated with the account are inconsistent. 

Account Details : Creditor Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX High Balance : {$1000.00} Balance Owed : {$0.00} ( Paid in Full ) Account Status : Closed Payment Status : Reported as Late 60 Days and Late 30 Days, despite being fully paid Account Rating : Reported as both " Closed '' and " Paid '' Creditor Remarks : " Closed '' and " Closed or paid account/zero balance '' Inaccuracies in Date Reporting : Date Opened : Reported as XX/XX/XXXX and XX/XX/XXXX, which are inconsistent. 
Date of Last Activity : Reported as XX/XX/XXXX and XX/XX/XXXX, conflicting dates. 
Date Reported : Listed as XX/XX/XXXX and XX/XX/XXXX, showing discrepancies. 
Closed Date : XX/XX/XXXX appears on some reports, while it's missing from others. 
Nature of Complaint : The account has been paid in full, but it is still reported as late and derogatory, which is an inaccurate representation. 
Inconsistent dates are being reported by the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), requiring credit reporting to be accurate. 
Despite this being a paid account, the negative remarks and incorrect information remain on my credit report. 
I have already contacted the credit bureaus directly, but this issue remains unresolved. Therefore, I am reaching out to you to help investigate and rectify this matter. I request that the account be removed from my credit report, and the incorrect dates be corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring this issue is resolved promptly. NEEDS TO BE DELETED ASAP

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 2025-03-18 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: MD

Complaint narrative:
Dear CFPB ( Consumer Financial Protection Bureau ), I hope this message finds you well. I am writing to file a complaint regarding an issue with inaccurate information being reported on my credit file. Despite the fact that I have paid the account in full, the account continues to be reported incorrectly by the credit bureaus, and the dates associated with the account are inconsistent. 

Account Details : Creditor Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX High Balance : {$1000.00} Balance Owed : {$0.00} ( Paid in Full ) Account Status : Closed Payment Status : Reported as Late 60 Days and Late 30 Days, despite being fully paid Account Rating : Reported as both " Closed '' and " Paid '' Creditor Remarks : " Closed '' and " Closed or paid account/zero balance '' Inaccuracies in Date Reporting : Date Opened : Reported as XX/XX/XXXX and XX/XX/XXXX, which are inconsistent. 
Date of Last Activity : Reported as XX/XX/XXXX and XX/XX/XXXX, conflicting dates. 
Date Reported : Listed as XX/XX/XXXX and XX/XX/XXXX, showing discrepancies. 
Closed Date : XX/XX/XXXX appears on some reports, while it's missing from others. 
Nature of Complaint : The account has been paid in full, but it is still reported as late and derogatory, which is an inaccurate representation. 
Inconsistent dates are being reported by the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), requiring credit reporting to be accurate. 
Despite this being a paid account, the negative remarks and incorrect information remain on my credit report. 
I have already contacted the credit bureaus directly, but this issue remains unresolved. Therefore, I am reaching out to you to help investigate and rectify this matter. I request that the account be removed from my credit report, and the incorrect dates be corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring this issue is resolved promptly. NEEDS TO BE DELETED ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX. I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 



Account Name : XXXX Account Number : XXXX Reason : Unverified account

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : 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 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: BLINCLOANS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX regarding a cash advance loan that is reporting inaccurate payment history on my credit report. I have attempted to obtain accurate account details, but XXXX has not provided the necessary documentation. 

The following issues need to be addressed : Request for Documentation : I am requesting the following account-related documents to confirm the accuracy of my reported payment history : A copy of the original loan contract. 
A full payment history showing dates, amounts, and method of payment. 
All account statements from the loans origination to its closure. 


XXXX failure to provide these records violates my rights under the Fair Credit Reporting Act ( FCRA ) and may also indicate unfair or deceptive practices. I request CFPBs intervention to ensure that XXXX : Provides all requested documentation within a reasonable timeframe. 
Reviews and corrects any inaccuracies in my payment history. 
Communicates transparently regarding the reporting and handling of my loan data. 

I appreciate CFPBs assistance in ensuring XXXX complies with its obligations and provides the necessary documentation to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I am a victim of identity theft, There is a charter communication account on my 3 bureaus that I didnt authorize or give anyone permission to open

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 2025-03-18 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: NC

Complaint narrative:
I am a victim of identity theft, There is a charter communication account on my 3 bureaus that I didnt authorize or give anyone permission to open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
Subject : Formal Request for Charge-Off Deletion XXXX  Account # XXXX I am writing to formally request the removal of a charge-off notation from my credit report for the above-referenced account. When I initially reached out to XXXX regarding resolution of this debt, I was informed that the account had been sold and was directed to XXXX XXXX XXXX XXXX In accordance with this information, I contacted the collection agency and have since paid the outstanding balance on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit furnishers are required to report only accurate and complete information to credit reporting agencies. Since this account has been transferred to a third party and is no longer under your ownership, it is my understanding that XXXX no longer has a valid reason to continue reporting the charge-off. Maintaining an inaccurate or misleading charge-off on my credit file is in violation of FCRA guidelines. 

Given that the debt obligation has been fully satisfied with the collection agency, I kindly request that XXXX update my credit report by removing the charge-off. This adjustment would ensure compliance with federal law and accurately reflect the resolved status of the account. 

If this charge-off is not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and considering legal action for non-compliance with federal regulations.

I appreciate your prompt attention to this matter and request confirmation of your decision in writing. If further information is needed, please contact me at the information provided above. 

Thank you for your time and assistance. 

Sincerely, 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 2025-03-18 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: CA

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. I am certain this complaint is valid and should be taken seriously. My report seems to contain mixed information, and this incorrect and unknown account is not mine. This situation is deeply concerning and has caused me significant stress and 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 2025-03-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-03-18 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-18 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company response to consumer: Closed with non-monetary relief