vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
While reviewing my credit report, I came across multiple accounts that I suspect are fraudulent. Kindly remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-12-13 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: FL

Complaint narrative:
I am disputing this account under e-Oscar code XXXX. 

This account is not meeting the industry standard, Metro 2 Compliance. Modify, update, or delete this account for the inaccuracies and errors : Date Filed/Reported : XXXX says XX/XX/year> but Experian says XX/XX/year>. XXXX says something different. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

The reference number is different. Experian says XXXX but XXXX says XXXX. XXXX says XXXX. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

What is the closing date? XXXX says no data, but Experian and XXXX say XX/XX/year>. Why does XXXX say no data and not reporting it if you guys get the same information from the same furnisher. Either modify, fix, or delete the entire account. 

Why is the court name 'federal '? Experian says US BKPT CT FL XXXXXXXX and XXXX says U.S. Bankruptcy Court. This is misleading if you both get the same data from the same furnisher. It should be the FULL and COMPLETE name per your industry standard. That is inaccurate, what is the court name? Either modify, fix, or delete the entire account.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
The account below is reporting several inaccuracies that need some immediate attention. Late payments for XX/XX/XXXX, XX/XX/XXXX, and 60 days late XX/XX/XXXX, that is unacceptable. Billing statement is unfairly reported in fact, is a billing error. 


Account name SEVENTH AVENUE Account type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment {$35.00} as of XX/XX/XXXX Monthly Payment {$35.00} Credit limit {$720.00} Highest balance {$800.00} Terms Relevant USC Codes ( FCRA Provisions ) 15 USC 1681e ( b ) Accuracy of Reports Violation : Credit bureaus are required to follow reasonable procedures to ensure maximum accuracy. Reporting 30- and 60-day late payments inaccurately violates this provision. 
Demand : These late payments must be corrected or removed immediately as they can not be verified as accurate. 
15 USC 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information Violation : Failure to properly reinvestigate disputes about late payments within 30 days is a direct breach of this provision. 
Demand : If the 30- and 60-day late payments can not be verified, they must be deleted from your credit report. 
15 USC 1681c ( a ) ( 5 ) Obsolete Information Violation : Reporting of outdated or obsolete late payments is prohibited. If these late payments are beyond the permissible reporting period ( seven years ), their presence on your report is unlawful. 
15 USC 1681s-2 ( a ) ( 1 ) ( B ) Responsibility of Furnishers of Information Violation : Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Continuing to report disputed late payments violates this provision. 
Demand : The data furnisher must cease reporting the inaccurate late payments or risk penalties under this section. 
15 USC 1681n and 1681o Civil Liability for Willful and Negligent Noncompliance Violation : Willful or negligent failure to comply with the FCRA, including reporting inaccurate late payments, exposes credit bureaus and furnishers to civil liability, including statutory and punitive damages. 

UCC 1-304 Obligation of Good Faith Violation : Data furnishers and credit bureaus are expected to act in good faith when reporting credit information. Reporting inaccurate late payments breaches this obligation of good faith. 
Demand : The inaccurate 30- and 60-day late payments must be corrected immediately to maintain good faith in all commercial transactions. 
UCC 2-615 Excuse by Failure of Presupposed Conditions Violation : Late payments should not be reported if there is a valid excuse, such as disputes, agreements, or fraud. Continuing to report these payments without basis breaches the presupposed conditions of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for violating my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have failed to comply with the following provisions of 15 U.S.C. 6802 : Opt-Out Right : The company has failed to honor my right to opt out of the sharing of my non-public personal information with non-affiliated third parties. 
As a result of these violations, I have been denied credit and wrongfully closed accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have failed to comply with the following provisions of 15 U.S.C. 6802 : Opt-Out Right : The company has failed to honor my right to opt out of the sharing of my non-public personal information with non-affiliated third parties. 
As a result of these violations, I have been denied credit and wrongfully closed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXXXXXX 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 XXXXXX/XX/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 2024-12-13 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-12-13 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-12-13 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: AL

Complaint narrative:
To whom it may concern : My First, Middle and Last Name is and ONLY is : XXXX XXXX XXXX My Address Street Number , Street Name, City State and Zip Code is and ONLY is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Date of Birth is and ONLY is : XXXX The Last 4 of MY Legally Acquired Social Security Number Is : XXXX *** Above listed is my Factually True, Verifiably and Correct Current requisite reporting PERSONAL IDENTIFIERS. 
I demand you REMOVE ANY AND ALL OTHER PERSONAL IDENTIFIERS as they do not belong to me. This INCLUDES ANY AND ALL NAMES, ADDRESSES, SOCIAL SECURITY NUMBERS, DATES OF BIRTH AND TELEPHONE NUMBERS you may be reporting. 

If you fail to remove any other identifiers from my consumer credit report you may be liable under the Fair Credit Reporting Act for statutory damages. 
Any information not pertaining to me should be removed immediately so that there is no confusing on whose consumer report this is. Please provide me with proof of updating my consumer report to reflect the changes by mailing me an updated copy. 

This document was sent certified through USPS mail with tracking number : Specifically, I have identified inaccuracies in the reporting of my personal information. 
I refer to the FCRA, specifically Section 1681i ( a ), which outlines the responsibilities of consumer reporting agencies to conduct reasonable investigations of disputed information and correct inaccuracies. 

Please be aware that this will be my last amicable attempt to dispute these inaccuracies. I will file litigation in this matter if these changes are not reflected on my consumer credit report within 15 days which is the allowed time under the FCRA for reinvestigation. 

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 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently filed a dispute with Experian to address inaccuracies on my credit report, but they have not taken any action to investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring Experian complies with its legal obligations.

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 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TN

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


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


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TN

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


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


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-13 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: TX

Complaint narrative:
I recently submitted a request to block my accounts however, it appears that this requesthas not yet been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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