vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I am filing a formal complaint regarding multiple inaccuracies in my credit report due to improper debt validation and reporting practices by several collection agencies and creditors. These entities have failed to provide proper verification of debts and continue to inaccurately report information to the credit bureaus. The specific concerns are as follows : XXXX. XXXX XXXX XXXX There are 4 separate entries on my credit report related to this company. Despite my dispute, they have been unable to validate the chain of custody or prove the legitimacy of these accounts. 
XXXX. XXXX Card I have disputed an entry from XXXX Card, but they have failed to provide sufficient proof of the debts validity. 
XXXX. XXXX  XXXX XXXX There are 5 line items being reported, yet the company can not verify the value of the debt. Additionally, certain accounts have been written off, and 1099 forms have been filed, yet they remain on my credit report. 
XXXX XXXX XXXX XXXX This company has not provided adequate proof of the debts legitimacy or the chain of custody, yet they continue to report the accounts to the credit bureaus. 
XXXX. XXXX Similarly, XXXX has not demonstrated the viability of the debt or established a clear chain of custody, but they continue to report this information to the credit bureaus. 

These reporting issues are negatively impacting my credit profile and financial standing. I request the CFPBs assistance in ensuring these entities comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by either properly validating the debts or removing them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
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. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I am writing to formally dispute the reporting of an alleged medical debt under {$500.00} on my credit report. I have become aware that the Consumer Financial Protection Bureau ( CFPB ) has instituted a new rule that prohibits the reporting of medical debts under {$500.00} on consumer credit reports. Unfortunately, it appears that your company is violating my consumer rights by continuing to report this debt. 
The account listed below is showing an alleged balance of {$260.00} on my credit report. 
Under the CFPBs new rule, which took effect in XXXX, medical collections under {$500.00} are no longer allowed to be reported on credit reports. 
As stated in the article published by the CFPB on XX/XX/XXXX : Two-thirds of medical collections on credit reports will no longer be reported. 
Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. 
For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 
This new rule clearly applies to the debt listed on my credit report, and I request the immediate removal of the following account ( s ) from all consumer reporting agencies :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 XXXXe ( 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 XXXXi ( XXXX ) 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

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 XXXXe ( 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 XXXXi ( XXXX ) 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 XXXX 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.

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 2025-02-20 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: UT

Complaint narrative:
I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.

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 2025-02-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I request arbitration. They told me he had XXXX settlement offers. I would like a copy of the original agreement. The last payment is not correct. That they submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX a resident XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
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 2025-02-20 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: IL

Complaint narrative:
Dear CFPB, I recently reviewed my credit report and found unauthorized credit inquiries that I did not initiate. I previously requested that these inquiries be removed, but I see that no action has been taken. These inquiries are inaccurate and not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing these inquiries and requesting their immediate removal from my credit report. As required, I have attached an identity theft report, which provides documentation of the fraudulent activity. Since these inquiries were made without my authorization, they must be removed promptly to prevent further harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
Dear CFPB, I recently reviewed my credit report and found unauthorized credit inquiries that I did not initiate. I previously requested that these inquiries be removed, but I see that no action has been taken. These inquiries are inaccurate and not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing these inquiries and requesting their immediate removal from my credit report. As required, I have attached an identity theft report, which provides documentation of the fraudulent activity. Since these inquiries were made without my authorization, they must be removed promptly to prevent further harm to my credit profile.

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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am deeply troubled by the apparent errors, lack of updates, and the absence of verification in the negative items reported under my name. I believe it is important to emphasize the importance of accurate and verified information in credit reporting, as these discrepancies can have far-reaching consequences on my financial standing and overall 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 2025-02-20 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: CA

Complaint narrative:
I want to bring to your attention fraudulent actions being taken by both the original creditor and the collection company. and Credit Bureau. This account is a charge-off, and the original creditor has reported a loss to the IRS while simultaneously allowing a collection agency to collect on the same account. Since the Original creditor has already paid for this account, any further attempts to collect are fraudulent. Additionally, failing to provide me with a 1099-C further supports these deceptive practices. 
I am writing in response to your recent communication regarding the investigation of the disputed charge-off information on my credit report. I appreciate your efforts thus far ; however, I have not received the 1099-C from the original creditor and sufficient information regarding how the information was verified.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ), I am entitled to request a reinvestigation of the disputed information. I kindly request that you initiate a reinvestigation into the disputed charge-off as follows : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount : {$1000.00} Additionally, upon reviewing my credit reports, I have identified inaccuracies that require immediate attention. The discrepancies are outlined in the attached documents, which include inconsistencies in reporting dates, amounts, and account statuses. I request that you thoroughly investigate these inaccuracies and provide me with a detailed explanation of how you verified the accuracy of this information, including the methods used and the results obtained from the creditor. 
According to the FCRA, you are required to complete this reinvestigation within 15 days of receiving this request. Therefore, I expect to receive your response no later than [ 15 days from the date of this letter ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NJ

Complaint narrative:
Today, I received 3 letters in the mail all at once regarding a debt. I called the debt collector immediately to settle my debt and ask what it was for. The collection agency is I.Q Data International , Inc. and I spoke to XXXX. He said he contacted me by phone multiple times, but this was not true as I searched my phone and have no previous calls or voicemails. He was very rude and belittling on the phone. He asked who my employer was multiple times. When I refused to give him the answer, he told me " I should get a lawyer ''. I told him my intention was to pay, but I wanted to set up a payment plan as I could not afford the entire bill right now. He told me he could not do a payment plan and again if I wasn't going to pay it in full, I should get a lawyer because he would be taking further action. 

I paid in full, as I felt defeated due to the way he was speaking to me. 

I then called back and asked to speak to a supervisor and the same man got on the phone again. I again asked why I couldn't make a payment plan and he told me it wasn't allowed. 

I feel the whole situation was wrong. I was calling to do the right thing and settle my debt. Asking about my employer was inappropriate. Telling me I should get a lawyer is threatening as it ensues further action will be taken if I don't pay the bill in full. And not allowing me to set up a payment plan is against my rights. 

Any help you can give me in this situation would be appreciated.

Company response to consumer: Closed with explanation