vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion File number : XXXX I have enclosed XXXX XXXX letter of deletion!!!! I am demanding that you delete this immediately Bankruptcy # XXXX ( Nevada ) This is proof that Transunion is Direct Violation of : 15 USC 1681 A2b, 15 USC 1681 b, 15 USC 1681 a, Rule ( 9037 ), My name is XXXX XXXX XX/XX/year> Re : Bankruptcy # XXXX State Of Nevada I am writing to you because I have bankruptcy information appearing on my Consumer Report Case number XXXX State of Nevada Transunion stated verbatim from that the information was indeed verified by : ( Nevada Bankruptcy Court ) State Of Nevada US Bankruptcy Court The court house responded that this is either an error or a lie!! They never verified anything at all!! I have no bankruptcies on file at all!! XXXX XXXX has also deleted this fraudulent information as it was determined that this is a case of mistaken identity!! I am demanding that Transunion as well as Transunion Rental Screening, as well as XXXX, Delete this information immediately This inaccurate fraudulent information is still appearing on my Transunion Credit Report!! Transunion is in direct violation of : 15 USC 1681 A2b.

I have enclosed documentation!! This is a violation of the FCRA, a violation of my rights as a consumer!! Transunion is reporting fraudulent information illegally!! I am demanding that this is deleted immediately off of my consumer report!! If this is not deleted immediately!! I will contact my attorney!! Transunion is in violation of reporting an error or a lie!! according to them ( Transunion ) they got this information verbatim directly from the courthouse!! The courthouse determined that was an error or a lie I was told verbatim that the court did not verify as such therefore, this is an error or a lie .. Transunion are reporting inaccurate information!! This is caused mental anguish and stress due to the fraudulent statements reported by Transunion!! I have a right to a fair and accurate credit report according to the FCRA Transunion is guilty of violating my rights as a consumer they are continuing to report false information!! I am demanding that this bankruptcy is deleted immediately off of my consumer report : Bankruptcy # XXXX I demand this is deleted immediately!! If not I will contact legal authorities as well as my attorney!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: NV

Complaint narrative:
XXXX XXXX number : XXXX I have enclosed XXXX XXXX letter of deletion!!!! I am demanding that you delete this immediately Bankruptcy # XXXX ( Nevada  ) This is proof that XXXX is Direct Violation of : 15 USC 1681 A2b, 15 USC 1681 b, 15 USC 1681 a, Rule ( 9037 ), My name is XXXX XXXX XX/XX/year> Re : Bankruptcy # XXXX State Of Nevada  I am writing to you because I have bankruptcy information appearing on my Consumer Report Case number XXXX State of Nevada  XXXX stated verbatim from that the information was indeed verified by : ( Nevada Bankruptcy Court ) State Of Nevada US Bankruptcy Court The court house responded that this is either an error or a lie!! They never verified anything at all!! I have no bankruptcies on file at all!! XXXX XXXX has also deleted this fraudulent information as it was determined that this is a case of mistaken identity!! I am demanding that XXXX as well as XXXXXXXX XXXX XXXX, as well as XXXX, Delete this information immediately This inaccurate fraudulent information is still appearing on my XXXX Credit Report!! XXXX is in direct violation of : 15 USC 1681 A2b. 
I have enclosed documentation!! This is a violation of the FCRA, a violation of my rights as a consumer!! XXXX is reporting fraudulent information illegally!! I am demanding that this is deleted immediately off of my consumer report!! If this is not deleted immediately!! I will contact my attorney!! XXXX is in violation of reporting an error or a lie!! according to them ( XXXX ) they got this information verbatim directly from the courthouse!! The courthouse determined that was an error or a lie I was told verbatim that the court did not verify as such therefore, this is an error or a lie .. XXXX are reporting inaccurate information!! This is caused mental anguish and stress due to the fraudulent statements reported by XXXX!! I have a right to a fair and accurate credit report according to the FCRA XXXX is guilty of violating my rights as a consumer they are continuing to report false information!! I am demanding that this bankruptcy is deleted immediately off of my consumer report : Bankruptcy # XXXX I demand this is deleted immediately!! If not I will contact legal authorities as well as my attorney!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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 30-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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 30-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. ''

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report as prepared by XXXX. I am requesting that you immediately correct and/or delete the following items from my credit report, as they do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete report, and I am asserting my legal right to have these items corrected. 

Please be advised that I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, which requires you to investigate these matters thoroughly. I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed lawsuits against XXXX and XXXX for conducting sham investigations, and I expect a thorough and complete investigation of each disputed item as per the law. Failure to resolve these disputes accurately may result in further legal action.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) -This account is being reported as a collection, which I dispute. Please verify the validity of this debt and provide me with proof of the debt and the creditor. If you can not verify the account in accordance with the law, I demand immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
It is my belief and information that this child support order and demand for payment is a rush to judgment into a default judgment, and both are a violation of my constitutionally protected rights. Please validate this claim, signed by a man or woman, under penalty of perjury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FL

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 30-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. ''

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 2025-03-08 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: PA

Complaint narrative:
I have attempted to access my credit report online, but Equifax is not displaying any credit score or relevant information on my report. This lack of information is preventing me from reviewing my credit history and monitoring my financial status. I need Equifax to provide my complete and accurate credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
I hope youre doing well. Im writing because Ive come across an issue with my credit report that needs immediate attention. The information listed is not in compliance with the FCRA guidelines and is not reflecting maximum accuracy, which is a serious concern for me.

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 2025-03-08 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX  regarding its failure to conduct a proper investigation into inaccuracies on my credit report. I have submitted XXXX separate dispute letters to XXXX, yet they have failed to adequately investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts, the inaccuracies remain on my report, negatively affecting my credit score and financial well-being. 

Below is a summary of the inaccurate information I have repeatedly disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX but there is no data reported XXXX account charged off XX/XX/XXXX ; then why is it still reporting data on a closed account XXXX XX/XX/XXXX, there is no data reported when there should always be data reporting XXXX if this is my alleged debt then why is there no terms reported to an agreement XXXX there is no monthly balance reported ; if this is an alleged debt for a credit card there should be a monthly balance that i owed each month XXXX my report from XXXX XXXX XXXX XXXX XXXX has no data reported XXXX XXXX is reporting that i made 98 % of on time payments but yet XXXX has my account labeled as charged off XXXX my information was sent to a collection agency w/o my consent XXXX if spring oaks received my information directly from XXXX then the reporting should be similar or identical since they are going based off what XXXX sent them XXXX why is a collection agency contacting me about a closed account and trying to collect funds XXXX this alleged debt is OVER XXXX XXXX XXXX, why is it still being reported, this is a direct violation of my rights provided to me by the FCRA Despite providing supporting documentation with each dispute letter, XXXX has failed XXXX remove or properly verify the incorrect information. If ( XXXX ) investigation were conducted then how is all of these inaccuracies still being found on my report. Their failure to conduct a thorough investigation and provide me with a reasonable resolution violates my rights under the FCRA. 

I am requesting that the CFPB intervene and require XXXX & Spring Oaks to either update my records to show PAID IN FULL/NEVER LATE or DELETE/REMOVE this from my credit report Please find attached copies of my previous dispute letters, supporting documentation, and any responses received from XXXX. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these inaccuracies. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
I hope you're doing well. I'm reaching out because I recently checked my credit report and noticed some information that isnt quite right. Specifically, theres an entry that doesnt accurately reflect my financial history, and I need your help in getting it sorted out.

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 2025-03-08 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 have gotten a few reports from my various credit cards credit monitoring that my information has been found on the dark web over the past year or two. I did not think anything of it because most of the information was false anyway. Around XX/XX/year> when I was checking my credit report through my XXXX account ( I hold multiple credit cards through XXXX XXXX ) I noticed there was a late payment that was reported through XXXX. I didnt even know what XXXX was at that point nor did I know how you even use it. I also did not see this line of credit through my XXXX XXXX reporting that I check regularly because I dont believe they pull their information from Experian. That was the only bureau that was actually showing this line of credit that I did NOT OPEN. When I called XXXX to try and figure out what it was for, I had a lot of questions because Ive never even used XXXX for anything because I have my own credit cards that I use for everything. They informed me it was a purchase made using my social security number and an old email address I never check anymore and it for a website called XXXX XXXX??? Ive never even been on that website. Now my credit is severely affected because I have a fraudulent loan with a delinquent payment history. I had XXXX  investigate and they determined I am responsible for the balance even though I reported that it was entirely FRAUDULENT. Then I had Experian investigate and they determined the information was accurate and I am still responsible for this fraudulent loan. The only information you need to open this loan/line of credit is extremely basic information that is easy to find. I am also frustrated that they have investigated but I have not received any follow up questioning in regards to this. What are even the parameters around the investigation and how they determine its fact and not fiction?? They just investigated and determined I am liable for a loan I DID NOT open on a website Ive NEVER even been on.

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 2025-03-08 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: NY

Complaint narrative:
I hope youre doing well. Im writing because Ive come across an issue with my credit report that needs immediate attention. The information listed is not in compliance with the FCRA guidelines and is not reflecting maximum accuracy, which is a serious concern for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I have not supplied proof under the Doctrine of Estoppel by silence, XXXX XXXX ( MO ) XXXX XXXX XXXX, I Presume that no proof of the Alleged Debt nor therefore any such Debt in fact therefore exists

Company response to consumer: Closed with explanation