vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-06 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: IN

Complaint narrative:
I am disputing your willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681o ). Your failure to adhere to legal obligations has caused harm. Immediately correct violations, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-02-06 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-02-06 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: TX

Complaint narrative:
XXXX XXXX  XXXX sold my credit to freedom debit relief and then reported it delinquent. I'm unable to obtain credit or loans because of it causing great hardship on my finances.

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 2025-02-06 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request through investigation into these inaccuracies as required by Federal LaXXXX. Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX and Equifax for its failure to properly investigate consumer disputes, citing '' sham investigations and other unlawful acts and practices. These practices are outlined by the CFPB Include : Conducting inaccurate investigations that failed consumers disputes properly. Reinserting previous disputes and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegation highlights systematic issues that directly Undermind consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe mishandled in a similar manner. Please review the inaccurate Hard Inquiry and all the Soft Inquires. Under the Fair Credit Act you are required to take off all inquiries within five days. All inquiries that do not have permissible purpose must be deleted according to 15USC 1681B. Thank you for addressing this manner promptly. I look forward to your response within the legal mandate 30 days ' time frame. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Date : XX/XX/XXXX To : All credit bureaus and the CFPB Equifax : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Negative Items on Credit Report Due to Identity Theft From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing to formally dispute multiple negative items on my credit report. These accounts are inaccurate and must be removed under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ). This request is being made as my personal information was compromised during the Equifax data breach, as well as an iPhone password breach, which I believe contributed to unauthorized activity. 

Additionally, I have filed an identity theft claim with the Federal Trade Commission ( FTC ), and my FTC reference number is XXXX. 

The following accounts must be removed due to inaccuracy and potential fraudulent activity : Collection Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} As per Section 611 of the FCRA , I request an immediate investigation into these accounts. If the data can not be verified within 30 days, I demand their removal from my report as required by law. Furthermore, I would like to bring to your attention that no wet signature authorizing these accounts to be sent to collections or added to my credit report has been provided by me. Without such documentation, these accounts must be removed under Section 623 of the FCRA. 

In addition, the flowing addresses need to be removed as well : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX I am uploading my current bill to provide documentation of my current valid address Please provide a written confirmation of receipt of this dispute and ensure I am updated within the legally required timeframe. I also request copies of any documentation used to validate the accounts or proof of authorization for the accounts under my name. 

Thank you for your prompt attention to this matter. If you have any questions, please contact me at XXXX. 

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 2025-02-06 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:
Date : XX/XX/XXXX To : All credit bureaus and the CFPB Equifax : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Negative Items on Credit Report Due to Identity Theft From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing to formally dispute multiple negative items on my credit report. These accounts are inaccurate and must be removed under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ). This request is being made as my personal information was compromised during the Equifax data breach, as well as an iPhone password breach, which I believe contributed to unauthorized activity. 

Additionally, I have filed an identity theft claim with the Federal Trade Commission ( FTC ), and my FTC reference number is XXXX. 

The following accounts must be removed due to inaccuracy and potential fraudulent activity : Collection Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} As per Section 611 of the FCRA , I request an immediate investigation into these accounts. If the data can not be verified within 30 days, I demand their removal from my report as required by law. Furthermore, I would like to bring to your attention that no wet signature authorizing these accounts to be sent to collections or added to my credit report has been provided by me. Without such documentation, these accounts must be removed under Section 623 of the FCRA. 

In addition, the flowing addresses need to be removed as well : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX I am uploading my current bill to provide documentation of my current valid address Please provide a written confirmation of receipt of this dispute and ensure I am updated within the legally required timeframe. I also request copies of any documentation used to validate the accounts or proof of authorization for the accounts under my name. 

Thank you for your prompt attention to this matter. If you have any questions, please contact me at XXXX. 

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 non-monetary relief
Consumer complaint received 2025-02-06 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: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-06 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: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

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 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 : Inquiries XXXX XX/XX/year>23 XXXXXX/XX/XXXXXX/XX/year>23 XXXXXX/XX/XXXX XX/XX/scrub>/23 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 explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-02-06 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:
Kindly ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize or create these accounts, nor do I know where they came from. In accordance with USC 1681g, I request their removal within 15 days. Relevant documents are attached for your review.

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 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: KS

Complaint narrative:
In no way shape or form have I ever owed any debt to XXXX XXXX or State Collection Services, yet both have tradelines on my credit reports for a fraudulent debt that they are trying to pin on me. I have NEVER been to XXXX XXXX for ANY REASON EVERnever received any kind of servicesdont even know the actual location of said place at all, so for them to say I owe them over {$2000.00} is insane.!! My personal identifying information has been compromised for years such as my SSN card, license, wallet, cards, passport, etc. were all stolen. So the culprit clearly has been on a rampage opening fake accounts, and using my information to obtain servicesI have told these people time after time this debt is fraudulent, but they are so money hungry that they dont want to listen. So this is your final warning. Formal litigation has already been filed against both XXXX XXXX and State Collection as they have been warned multiple times of this being fraudulent. And yet they still will do nothing. So my attorney has already proceeded with motions against both companies, and damages will be paid to me as we will win because you all allowed services to be placed on my name. Remove State Collection fraudulent tradeline off my credit reports immediately and proceedings will stop. Dont, and be sued to the fullest extent of the law. 

Contact info : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
No response on the days I disputed 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
No response on the days I disputed my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I requested to the company, Experian that they provide me a copy of how they are going about my investigation. The following companies, I have requested a 1099 in which they have did a profit loss statement and the have refused. XXXX XXXX, for XXXX Us Dollars. XXXX XXXX XXXX Dollars and XXXX Bank XXXX Dollars according to the law of the FCRA section 605, at this point I am ready to obtain counsel and sue this company Experian for reporting inaccurate information and ruining my life.

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