vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-12 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: SC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2025-03-12 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX. 
Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Formal Dispute and Notice of Civil Liability Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, entities are liable for negligent noncompliance that causes harm. The following errors have negatively impacted me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance of {$26000.00} Date of Delinquency - XXXX Auto According to the FCRA, you are required to investigate and correct these inaccuracies within 30 days. If you fail to comply, I may pursue legal action for damages, including : 1. Preventing myself from becoming a homeowner, not allowing myself to purchase transportation for my child all these listed I suffered due to your negligence.

2. Attorneys fees and legal costs, as permitted by law.

I request that you : Conduct a thorough investigation and provide me with the results. 
Remove or correct the inaccurate information. 
Provide written confirmation of these actions. 

Please consider this my final attempt to resolve this matter amicably. If you fail to comply, I will explore all legal remedies available under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXXXXXX.

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 2025-03-12 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have made Multiple attempts to ask for proof of validation of debt that these accounts were established using my ID and signature, neither of these companies have been successful at providing this information so I am requesting that this to be removed from my credit report because I am not responsible for this debt or these accounts Please remove XXXX and Miland credit management from my account according to section 605B late payment collections is illegal to report anything to my credit report without my permission. Please move this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/year> - hard credit report inquiry for new card names Barclays XX/XX/year> - Called support for Barclays at ( XXXX ) XXXX - Stated the account hasnt been activated and closed the account and reported to the fraud team. Asked for Information about confirmation, stated will send via mail to my mailing address and will contact via phone number if any questions from the legal team.

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 2025-03-12 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: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. When I checked my report as usual, I was shocked to find unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the issue remained. The fact that this unauthorized inquiry has not disappeared is extremely frustrating. I need this matter addressed immediately by thoroughly reviewing the documents Ive sent, so I can finally have peace of mind.

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 2025-03-12 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 request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the account listed below on my credit reports. 
Equifax : XXXX XXXX XXXX 
account number : XXXX XXXX Experian : XXXX XXXXXXXX XXXX account number : XXXX The account XXXX XXXX XXXX was charged off in XX/XX/XXXX, yet it continues to report as a charged-off account each month up until XX/XX/XXXX, which is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, which require that credit reports be accurate and complete.

Additionally, I have found multiple discrepancies between the credit reports provided by Equifax, Experian and Transunion. According to the information reported : The account is shown as 60 days late in XX/XX/XXXX on Equifax, but it is reported as 30 days late in Experian for the same time period. This is a direct contradiction and creates an inconsistency in how the account is reported to both agencies. 

The report states that the last payment was received in XX/XX/XXXX, but the account was charged off in XX/XX/XXXX, making this information inaccurate and misleading. 

Given these inaccuracies, I request that the account be removed entirely from my credit report, as the continuous and incorrect reporting violates FCRA section 1681i ( a ) ( 1 ), which mandates that information that can not be verified must be removed from a consumers credit report. Furthermore, Regulation V ( XXXX XXXX XXXX ), which implements the FCRA, specifies that furnishers of information must ensure the accuracy and completeness of the information they report. 

This is my third time asking for this account to be investigated and you have failed to find the inaccuracies. I would appreciate a prompt response to this matter, as these errors are negatively impacting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
I am writing to formally dispute the inaccurate reporting of the account listed below on my credit reports. 
Equifax : XXXX XXXX XXXX 
account number : XXXX XXXX Experian : XXXX XXXXXXXX XXXX account number : XXXX The account XXXX XXXX XXXX was charged off in XX/XX/XXXX, yet it continues to report as a charged-off account each month up until XX/XX/XXXX, which is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, which require that credit reports be accurate and complete.

Additionally, I have found multiple discrepancies between the credit reports provided by Equifax, Experian and Transunion. According to the information reported : The account is shown as 60 days late in XX/XX/XXXX on Equifax, but it is reported as 30 days late in Experian for the same time period. This is a direct contradiction and creates an inconsistency in how the account is reported to both agencies. 

The report states that the last payment was received in XX/XX/XXXX, but the account was charged off in XX/XX/XXXX, making this information inaccurate and misleading. 

Given these inaccuracies, I request that the account be removed entirely from my credit report, as the continuous and incorrect reporting violates FCRA section 1681i ( a ) ( 1 ), which mandates that information that can not be verified must be removed from a consumers credit report. Furthermore, Regulation V ( XXXX XXXX XXXX ), which implements the FCRA, specifies that furnishers of information must ensure the accuracy and completeness of the information they report. 

This is my third time asking for this account to be investigated and you have failed to find the inaccuracies. I would appreciate a prompt response to this matter, as these errors are negatively impacting my creditworthiness.

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 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
This is a company that I contacted because I attempted to gain access to XXXX to pay for my daughters piano lessons as this is their only form of payment. Upon attempting to register, it looks like there was an account already registered. Upon contacting XXXX customer service I was informed that I could not create an account because I owed a balance of {$330.00}. This is not my debt, nor did I receive a debt validation. XXXX customer service gave me the collection agencys telephone number to reach XXXX XXXX XXXX XXXX. I was met with resistance, attitude, accusatory tone and unprofessionalism. When I asked for a debt validation, they told me that they have already sent me one back in XXXX. I asked for them to send it electronically, and they refused. They informed me that they have legal rights to this debt and that they would be pursing after I informed them that this debt was not mine. I would like to resolve this debt immediately as this debt is not mine and I did acquire and I do not declare this debt as mine. Please remove this collection as it is prohibiting me to streamline payment for my childs piano lessons. I always was not around when this debt was acquired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent Inquiries on my XXXX and Equifax credit report : XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX  XXXX Inquiry date XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

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 2025-03-12 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: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
Hello Ive attempted to dispute and have 3 hard inquiries removed from my account causing extreme negative effects. I dont know what other steps to take, The information on the accounts are incorrect and its cause lots of distress on my credit score. I would like for these companies to dispute all debt causing a huge negative impact on my credit score. 

XXXXXXXX XXXX  : Account type/status- credit card closed & written off Original creditor : unknown Company sold debt Date opened/closed : XXXX unknown Alleged Balance : {$2500.00} KINUM INC- Account type/status- unknown & in collection Original creditor- XXXX XXXX XXXX XXXX Company sold debt Date opened/closed : XXXX  Alleged Balance : {$970.00} XXXX XXXX XXXX Account type/status- Unknown & bought by debt buyer Original creditorXXXX XXXX XXXX sold debt Date opened/closed XXXX Alleged Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello Ive attempted to dispute and have 3 hard inquiries removed from my account causing extreme negative effects. I dont know what other steps to take, The information on the accounts are incorrect and its cause lots of distress on my credit score. I would like for these companies to dispute all debt causing a huge negative impact on my credit score. 

DISCOVER BANK : Account type/status- credit card closed & written off Original creditor : unknown Company sold debt Date opened/closed : XXXX unknown Alleged Balance : {$2500.00} XXXX XXXX- Account type/status- unknown & in collection Original creditor- XXXX XXXX XXXX XXXX Company sold debt Date opened/closed : XX/XX/2023 Alleged Balance : {$970.00} XXXX XXXX XXXX Account type/status- Unknown & bought by debt buyer Original creditor- XXXX Company sold debt Date opened/closed XX/XX/2023 Alleged Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Trafficking Blocking Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears om my credit report is the result of that trafficking, 1 ) Bankruptcy XXXX case # XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX/XXXX XXXXXXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 XXXX XXXX XXXX XXXX 19 ) 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