vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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 recently noticed this fraudulent account was reporting on my credit report and I would like to have it removed. It is reporting as a charge-off and its not mine. 

I have reviewed my credit report and found several charge-offs that are associated with accounts I did not open and have no knowledge of. These charge-offs appear to be either a result of fraudulent activity or are simply errors in reporting, as I have no prior association with these accounts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am entitled to have accurate and verifiable information reported on my credit file. The continued inclusion of these erroneous charge-offs is in direct violation of my rights under the law.

Relevant Legal Protections : FCRA - 15 U.S.C. 1681 : This law mandates that all information reported on a consumers credit report must be accurate. The credit bureaus and creditors are required to conduct a thorough investigation into disputes and remove any unverifiable or inaccurate information. 
FCRA - 15 U.S.C. 1681i : I am requesting that an investigation be initiated into these inaccurate charge-offs and that the information be corrected or removed within the 30-day period as required by law.

FDCPA - 15 U.S.C. 1692 et seq. : The law prohibits debt collectors from reporting false or misleading information to credit bureaus. If these charge-offs are a result of fraudulent activity or have been falsely attributed to me, the creditor is violating the FDCPA, and I am entitled to seek damages.

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 2025-03-11 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: MI

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-11 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-11 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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

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 2025-03-11 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: MI

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 explanation
Consumer complaint received 2025-03-11 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: CA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX just recently looked at my credit report XX/XX/year>. I saw some late payments there were suppose to be on time. Me and the creditor talked about " I wouldn't be marked late because I had things going on not because of the pandemic. I sent a letter to the transunion, Experian and Equifax to get this fix but they still said everything is reporting correctly. But it's not. Can you help with this situation. Thank 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 non-monetary relief
Consumer complaint received 2025-03-11 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX just recently looked at my credit report XX/XX/year>. I saw some late payments there were suppose to be on time. Me and the creditor talked about " I wouldn't be marked late because I had things going on not because of the pandemic. I sent a letter to the transunion, Experian and Equifax to get this fix but they still said everything is reporting correctly. But it's not. Can you help with this situation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Someone used my old debit card that had been previously canceled to order from XXXX, and the transaction went through my new VISA card. I called Wells Fargo to report the claim, and they contacted XXXX and did not find anything, which they denied my claim. I even contacted XXXX, and they found out that someone else did purchase items with their account and used my credit card with my name on it.. The items were ordered on XX/XX/year>. The total purchase was {$190.00}.

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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.

Complaint narrative:
am a non XXXX citizen who worked and live in USA long time ago, but am stilll going back and forth to your country every year for touristic reasons. Therefore opened up a bank acoount and gave my social sec number to the representative. 

realized last year that my personal information was stolen due to the data breach. 
Due to this theft, the hackers changed my maling address, email address and also phone number in credit agencies and also get accesed to my bank. They applied a credit card behalf of me and spent XXXX XXXX  and paid some of this debt with my fund which was ready to use in my chechig account XXXX XXXX XXXX XXXX 
I called the fraud department of the bank, and they removed the credit card file right away from my account. they said they will investigate the issue. 
Currentlly the fake credit card is removed from my bank and also my credit is increased backed to the original numbers. But have 2 major problems right now ; 1. The bank is not depositing back my XXXX XXXX  which was my total fund in my checking account. It used to as a partial payment for the fake credit card. so am a victim of the Bank. 
2. my cerdit report run by XXXX which see it from my online banking system shows my personal information incorecttlly. ( Especially the addresses and also my employee name ( Which do not have an employee in XXXX currentlly, beacause am living in my home country XXXX XXXX XXXX 

reached XXXX XXXX XXXX XXXXXX/XX/XXXX and explained the situation, but unfortunetelly they couldnt veriy my identitiy, beacause the account was opened by someone else and the security questions are not the ones created. So failed to prove my id. Then they told me to mail all my information to XXXX. ( I did that .... ) have sent all the documents, ssn copy, old usa driving lcience, old w-2 form, current passport, current XXXX XXXX  Current Driving Licience, my diploma from XXXX XXXX XXXX XXXX XXXX XXXX  but did not receive any response. 

I reached XXXX yesterday to demand credit freeze, and credit report. They said they will respond me back in 7 business days. 

I reached XXXX but not communicate well, so the phone was directed to some parts which is not related with my issue. 

I filled a form out in late XXXX in identitytheft.gov, but this report was only a guidence what need to do, then the form was expeired. 

wrote to XXXX data breach department, they emailed me back and responded but no actions happened. 

Therefore, do not know what to do, the only think mght do is to change my SSN. 
So will be traveling to USA next week, and had an appointment with one of the local SSN Agent so will explain my situtation and hope they will change my Social...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am responding to your companys reply to CFPB Complaint XXXX in which you stated that you are currently researching my claim and will provide a response once your investigation is completed. However, while this investigation is ongoing, the disputed account should not remain on my credit report. It is unjust for me to suffer the negative impact of an unverified account while your company conducts its research. 

Please see the attached dispute letter, which was sent via certified mail and is both dated and time-stamped. Given these circumstances, I demand that this account be immediately removed from my credit file while your investigation is pending. Failure to do so would be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I expect prompt action on this matter and confirmation of removal. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

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 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 2025-03-11 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: NJ

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 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 2025-03-11 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
I am submitting a formal complaint against Credit Management Company for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and South Carolina consumer protection laws. 

1. Violation of HIPAA ( 42 U.S.C. 1320d-6 ) & Unauthorized Disclosure of Medical Information Under HIPAA regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( PHI ) without my written consent. 
Credit Management Company has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus. 
This constitutes an unauthorized disclosure, violating HIPAA privacy rules and federal law. 
2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 15 U.S.C. 1692e ( 8 ) Prohibits false, misleading, or unauthorized credit reporting.

15 U.S.C. 1692f ( 1 ) Prohibits attempts to collect an invalid or unauthorized debt.

15 U.S.C. 1692g ( b ) Requires proper debt validation before reporting or collection. 
XXXX XXXX XXXX XXXX has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws. 

3. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681b ( a ) ( 2 ) Credit bureaus must have permissible purpose before receiving any consumer information.

15 U.S.C. 1681c ( a ) Prohibits reporting of certain information beyond the legal timeframe.

15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. 
Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance.

4. Violation of South Carolina Consumer Protection Laws S.C. Code Ann. 37-20-110 et seq. Prohibits fraudulent or unauthorized credit reporting.

S.C. Code Ann. 37-20-160 Requires the removal of inaccurate or unauthorized negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-03-11 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: GA

Complaint narrative:
I tried to dispute XXXX XXXX XXXX and was never able to dispute it by phone.

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 2025-03-11 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX  XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$81.00} Charged off XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$630.00} Charged off XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1500.00} {$0.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Balance : {$1500.00} Collection XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$410.00} Collection XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection Inquiries in Dispute : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief