vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate and potentially outdated entry reported by XXXX XXXX XXXX on my Experian credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Charged-off and sold to XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> I am disputing this account for the following reasons : XXXX. Inaccurate Information : The reported charge-off amount and current status do not align with my personal records. 
XXXX. Duplicate Reporting : The account was sold to XXXX XXXX XXXX XXXX, and XXXX should no longer be reporting it as a charge-off or active account. 
XXXX. Unverified Debt : If XXXX or Experian can not provide a signed contract or legal validation of this debt, I request its immediate removal from my credit report. 
XXXX. Outdated Reporting : The account was closed in 2019, and may be beyond the 7-year reporting period allowed under the Fair Credit Reporting Act ( FCRA ). If so, it must be deleted.

I am formally requesting an investigation under FCRA Section 611. If XXXX XXXX XXXX XXXXan not fully validate the accuracy and legitimacy of this entry, I request that it be permanently removed from my credit report.

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 2025-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called Experian several times expressing the fact that I am unable to get my credit report from a third party reporting agency I use. 
They have explained it I because there is no address on my credit report with them and there is also an alias XXXX XXXX XXXX which is incorrect and B has never been my middle initial. 

I would like my correct address added to my Experian credit report which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would also like the alias XXXX XXXX XXXX to be removed as that is never nor has it ever been my middle initial. 

Thank you for your assistance, 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : AXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: GA

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 non-monetary relief
Consumer complaint received 2025-03-28 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: IL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-03-28 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: PR

Complaint narrative:
I JUST RECETLY LOOKED AT MY CREDIT REPORT. I WANTED TO MAKE SURE THAT EVERYTHING IS XXXX XXXX CORRECT AND ACCURATE. CAN YO INVESTIGATE THE ACCOUNTS LISTED BELOW. 
XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX I REQUEST PLEASE THAT YOU REINVESTIGATE THE COMPLETENESS OF EVERY PIECE OF INFORMATION AND IF ITS NOT ACCURATE, PLEASE REMOVE IT FROM MY CREDIT REPORT. THIS ACCOUNT HAS BEEN PAID AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 
BASED OF CONSUMER LAW 15 U.S CODE 1681-PROCEDURE IN CASE OF DISPUTED ACCURACY, IF WITHIN XXXX YOU CAN NOT VEREFY THE ACCURACY OF THE INFORMATION, PLEASE REMOVE THE ACCOUNT FROM MY CREDIT REPORT.I have called the Transunion XXXX and XXXX several XXXX but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PR

Complaint narrative:
I JUST RECETLY LOOKED AT MY CREDIT REPORT. I WANTED TO MAKE SURE THAT EVERYTHING IS XXXX XXXX CORRECT AND ACCURATE. CAN YO INVESTIGATE THE ACCOUNTS LISTED BELOW. 
XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX I REQUEST PLEASE THAT YOU REINVESTIGATE THE COMPLETENESS OF EVERY PIECE OF INFORMATION AND IF ITS NOT ACCURATE, PLEASE REMOVE IT FROM MY CREDIT REPORT. THIS ACCOUNT HAS BEEN PAID AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 
BASED OF CONSUMER LAW 15 U.S CODE 1681-PROCEDURE IN CASE OF DISPUTED ACCURACY, IF WITHIN XXXX YOU CAN NOT VEREFY THE ACCURACY OF THE INFORMATION, PLEASE REMOVE THE ACCOUNT FROM MY CREDIT REPORT.I have called the Transunion XXXX and XXXX several XXXX but have not received a response.

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 2025-03-27 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:
This account on my credit file resulted from the unauthorized use of my Social Security number and personal information. I did not authorize this account, nor is this in any way related to me. I have no knowledge of this account. Pursuant to 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent information from my credit report within XXXX ( XXXX ) days of receiving this letter. 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 non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I've been having issues with Bank of America. I've tried repeatedly to resolve the issue to no avail. I am unable to file disputes online. I have to call and sit on hold for hours. 

Someone named XXXX XXXX contacted me on XX/XX/XXXX saying they had received my complaint and he would be the person to follow up. I sent XXXX follow up emails to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. 

I then got the same copied and pasted ( word for word ) message again from another person named XXXX XXXX on XX/XX/XXXX. I emailed her the same day asking why a new case was opened and why XXXX XXXX never responded to any of my messages. I also sent a message via the portal. Both are still unanswered. 

I then got the SAME copied and pasted email a third time from XXXX XXXX. On XX/XX/XXXX, I responded to XXXX XXXX that the response provided had nothing to do with why I contacted Bank of America. 

I called and left XXXX XXXX a voicemail on XX/XX/XXXX asking for a supervisor to callback.

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 monetary relief
Consumer complaint received 2025-03-28 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:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my one and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws.

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding an inaccurate entry being reported by XXXX XXXX XXXX  on my TransUnion credit report. The account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$560.00} Status : Charged Off Estimated Removal Date : XX/XX/XXXX I am disputing this account for the following reasons : XXXX. Inaccurate Reporting : The account is incorrectly listed as a charge-off. This does not align with my records, and I have not received proper notice or validation of this status. 
XXXX. Lack of Validation : I am requesting complete documentation from XXXX XXXX XXXX  that validates the origin, balance, and status of this debt, including a signed agreement and payment history. 
XXXX. FCRA Rights : Under the Fair Credit Reporting Act ( FCRA ) XXXX, I am entitled to an investigation into disputed items and timely written results. If this account can not be verified, it must be removed. 
XXXX. Potential Negative Impact : This inaccurate listing is causing damage to my credit standing and should be corrected or deleted immediately if unsubstantiated. 

Please conduct a formal investigation and confirm the results in writing within the XXXX timeframe mandated by the FCRA.

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: LA

Complaint narrative:
On XXXX XXXX a collection that XXXX unfamiliar with was reported to my credit report. By a collection named PRO COLLECT. I am a victim of identity 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was surprised to find inquiries from your company on my credit report that I never approved. I am very cautious with my personal and financial information, so seeing these inquiries was both frustrating and concerning.

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 2025-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received XXXX hard inquiry XXXX taken off and delt with but got another XXXX XXXX and I did not apply for any capital one and will like it taken off of my credit report because its really tanking both XXXX and XXXX and would like it off on both

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: VA

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 non-monetary relief
Consumer complaint received 2025-03-28 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I received multiple hard inquiries on a single day XX/XX/XXXX bringing my credit score down XXXX points and resulting in a higher interest rate down the line. I was looking to purchase a new vehicle and while at a dealership XXXX XXXX XXXX, I inquired what the financing would look if I were to purchase a car there. I was immediately hit with multiple hard inquiries from the same company. I didnt even buy the car there, I purchased elsewhere ( through XXXX XXXX ) yet simply inquiring about a loan at this dealership resulted in XXXX hard inquiries XX/XX/XXXX and an additional hard inquiry on XX/XX/XXXX for no reason. This has impacted me financially. I then received a letter on XX/XX/year> randomly from a company called XXXX stating that they are unable to approve my application. When i called the number and asked what this was in reference to and why they would've denied it out of curiousity considering i have perfect credit, they said they couldn't find me in the system and told me to call One Main Financial whom also couldn't find me neither could XXXX XXXX. 

Dates of hard inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief