vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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.

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Has violated my rights I looked at my Equifax report on XX/XX/year>, 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 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, 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 the 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
when i spoke to them ( Meridian Financial Service , INC ) in XXXX i told them the credit report can't be right. i was told that this was a legal matter and that is way over due and if i didn't make a payment i would be sued. They asked me for half of the {$19000.00} down so i could then be put on a payment plan. I asked for proof of contract i got nothing. I know my rights and i need help.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been provided with personal information regarding my credit Profile without my consent. They claim to represent XXXX XXXX which I do not owe any money .they have used this information to hurt my credit I need them to stop as I research the damage to my personal credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO. XXXX has obtain my private personal information without my written consent and used this to hurt my credit. 
XXXX XXXX XXXX another debt collector using my personal credit profile reporting inaccurate information and intentionally hurting my credit again I have not given written consent for them to use my private information they have hurt my credit and it is beyond repair. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX OR. XXXX Has provided my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX a debt collector that has illegally and with total dis regard mishandled my private information and hurt my credit. I have included more.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been provided with personal information regarding my credit Profile without my consent. They claim to represent XXXX XXXX which I do not owe any money .they have used this information to hurt my credit I need them to stop as I research the damage to my personal credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO. XXXX has obtain my private personal information without my written consent and used this to hurt my credit. 
XXXX XXXX XXXX another debt collector using my personal credit profile reporting inaccurate information and intentionally hurting my credit again I have not given written consent for them to use my private information they have hurt my credit and it is beyond repair. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX OR. XXXX Has provided my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX a debt collector that has illegally and with total dis regard mishandled my private information and hurt my credit. I have included more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been provided with personal information regarding my credit Profile without my consent. They claim to represent XXXX XXXX which I do not owe any money .they have used this information to hurt my credit I need them to stop as I research the damage to my personal credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO. XXXX has obtain my private personal information without my written consent and used this to hurt my credit. 
XXXX XXXX XXXX another debt collector using my personal credit profile reporting inaccurate information and intentionally hurting my credit again I have not given written consent for them to use my private information they have hurt my credit and it is beyond repair. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX OR. XXXX Has provided my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX a debt collector that has illegally and with total dis regard mishandled my private information and hurt my credit. I have included more.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As of XX/XX/year> Equifax has knocked my credit score down by XXXX points for removing two old Department of Education accounts. Which is rubbish. 

Also, Equifax is showing that I dont have any payment history all of a sudden. My XXXX report shows that I have 100 % excellent payment history just like I should on all of my credit reports from all three credit reporting bureaus. I am requesting that Equifax put 100 % excellent payment history on my credit report instead of putting no payment history n/a. Which obviously will continue to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, CHALLENGED OR NOT.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe are inaccurate. Please investigate and correct the following entries : 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/year> I am disputing these entries because the reason, e.g., they are not accounts I authorized, they are duplicate entries, or they contain incorrect information ]. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute, verify the accuracy of the information, and provide me with the results of your investigation. Please remove or correct any errors immediately. 

I have attached copies of my ID, and ftc report for the disputed items highlighted for your reference. 

Please confirm receipt of this letter and update me on the status of your investigation. You can contact me at XXXXXXXX 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently checked my credit report and found multiple errors on one of my accounts payment history. The report shows two late payments, even though I actually paid on time. It's crucial that consumer reporting agencies provide accurate information. I'd like to point out that it's not possible to go from paid on time to 60 days late without a prior progression.I 've attached a copy of my credit report to illustrate the incorrect information, along with the specific dates : XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The account number is XXXX XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX. I'm requesting that you DELETE this account off of my report. I've given two chances to investigate, and it still contains errors. Please delete it immediately .Thank you for addressing this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
they ran my credit multiple times without my consent or knowledge, sent threatening emails and repeatedly contacted me after i stated i no longer wanted them to contact me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Removal of Incorrect Charge-Off Information Dear XXXX XXXX XXXX XXXX XXXX Account XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT Account XXXX XXXX XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The entry in question, reported as a charge-off, does not accurately reflect the nature of the account. 

The debt in question should be classified as income rather than a charge-off. According to the IRS guidelines, when a creditor cancels a debt, it is considered income, and a Form 1099-C ( Cancellation of Debt ) should have been issued for me to report this as taxable income. As such, this is not a debt but rather income that should not be reported on a credit report. 

I kindly request that you investigate this matter and remove the incorrect charge-off entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only accurate information is reported. Since this entry is inaccurately classified as a charge-off, I urge you to correct or remove it promptly. 

Please notify me of your findings and any actions taken to resolve this matter. I appreciate your attention to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
company as well as the credit bureaus were sent dispute letters showing the inaccurate errors on my report which violates my consumer rights, their never was a proper validation sent to me, i requested the company to provide proof of owner ship which inludes my id, signature, full social and agreement which was never sent to me. i plan to sue the credit bureau for up to {$1000.00} per violation if this isnt corrected per my fcra right

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported across my XXXX/XXXX/TransUnion credit reports , which is negatively impacting my credit score. The inaccuracies involve accounts listed as closed or in a status that does not accurately reflect their actual condition and not reporting the same payment history across XXXXTransUnion XXXX 

After reviewing my credit reports from Experian/Equifax/TransUnion, I noticed the following inaccuracies : Account info Account name XXXX XXXX XXXX XXXX Account type Installment Date opened XX/XX/year> Balance {$1400.00} Account info Account name XXXX XXXX XXXX XXXXXXXX Account type Installment Date opened XX/XX/year> Balance {$500.00} Status : Closed Both accounts are recording inconsistent payment history across all agencies These accounts are inaccurately reported and do not reflect the accurate standing or payment history of the accounts across all XXXX, XXXX, Transunion. While XXXX and XXXX reports different monthly payment history. Transunion reports no payment history at all. 

Violations of the Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Credit reporting agencies and furnishers of credit information are required to ensure that all information reported is accurate, complete, and verifiable ( Section 1681e ( b ) ).

I have the right to dispute inaccurate information, and the reporting agencies and furnishers must conduct a reasonable investigation within 5 days.

The inaccurate reporting of these accounts violates these provisions and has caused financial harm by lowering my credit score and affecting my ability to obtain credit on favorable terms. 

Actions Taken : I have already attempted to resolve this matter directly with the credit reporting agencies and the furnishers of the disputed information. However, the inaccuracies persist despite my efforts. Attached to this complaint are copies of : My credit reports highlighting the inaccurate accounts.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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, CHALLENGED OR NOT.

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC
State: TN

Complaint narrative:
I never open an account with this company, I have never received any cards or mail to my home address regarding this account, I do not own this account I never own this account, this account is not mines, I have been unemployed 10 years so how can I obtain an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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

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

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

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

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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


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


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

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

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

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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