vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: LEXISNEXIS
State: AL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
I have reach out they mail to all three credit reporting agencies in reference to the several wrong addresses they have I want these address deleted 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reach out they mail to all three credit reporting agencies in reference to the several wrong addresses they have I want these address deleted 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 non-monetary relief
Consumer complaint received 2025-02-04 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:
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/year> TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate A c c o u n t Information XXXX XXXX XXXX XXXX XXXX XXXX Account [ Partial Account Number : ] Dear TransUnion Dispute Department XXXX XXXX am writing to dispute the accuracy of a XXXX XXXX account listed on m y credit report. The account, identified with the partial account number XXXX, is reported with a charge-off status. I believe this information i s incorrect due to t h e following reasons : 1. Inaccurate Reporting : The account details, including balance and payment history, contain discrepancies that do not align with my records.

2. Unverified Information : Under t h e Fair Credit Reporting Act ( FCRA ), all information on my credit report must be verified, accurate, and timely. If the creditor can not provide proper documentation validating this account, it must b e deleted.

I request t h a t TransUnion conduct a thorough investigation into this matter. If XXXX XXXX  can not verify t h XXXX legitimacy and accuracy of this account within the required timeframe, I expect it t o b XXXX removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the disputed account and any supporting documents that may assist in your investigation.

Please update m e o n t h e status o f this dispute a s soon a s possible. If you require any further information, you may contact m e at t h e details listed above.

Thank you for your prompt attention to t h i s m a t t e r. 
Sincerely, 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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/year>

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 2025-02-04 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: MI

Complaint narrative:
Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. Also per FCRA 605b and 15 usc1681 this company must remove these late payments from my consumer report.. 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 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 ) be removed within four business days as permitted by federal law The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report. credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ).

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 2025-02-04 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: IN

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Failure to Complete Credit Investigation Within the Required Timeframe Under the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding the failure of Experian, XXXX, and XXXX to complete their investigations into my disputed credit report items within the legally required timeframe. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to complete their reinvestigation within 30 days of receiving a dispute unless additional information is provided by the consumer, in which case they may extend the timeframe to 45 days.

I submitted disputes regarding inaccuracies on my credit report, and as of the date of this letter, the credit bureaus have failed to complete their investigations within the required time limit. Below are the details of the complaints : Complaint ID : XXXX - Experian ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - XXXX ( Filed XX/XX/XXXX XXXX Status : Closed - Response received ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - Experian ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Given the failure of these credit bureaus to comply with the FCRA 's mandated timeframes, I am requesting the CFPB to take immediate action against these violations. Additionally, I request that all disputed items that have not been properly investigated be deleted from my credit report as required by law when an investigation is not completed within the timeframe. 

Please acknowledge receipt of this complaint and inform me of any actions that will be taken. I appreciate your prompt attention to this matter to ensure compliance with consumer protection laws. 

Sincerely, 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 2025-02-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Failure to Complete Credit Investigation Within the Required Timeframe Under the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding the failure of Experian, XXXX, and XXXX to complete their investigations into my disputed credit report items within the legally required timeframe. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to complete their reinvestigation within 30 days of receiving a dispute unless additional information is provided by the consumer, in which case they may extend the timeframe to 45 days.

I submitted disputes regarding inaccuracies on my credit report, and as of the date of this letter, the credit bureaus have failed to complete their investigations within the required time limit. Below are the details of the complaints : Complaint ID : XXXX - Experian ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - XXXX ( Filed XX/XX/XXXX XXXX Status : Closed - Response received ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - Experian ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Given the failure of these credit bureaus to comply with the FCRA 's mandated timeframes, I am requesting the CFPB to take immediate action against these violations. Additionally, I request that all disputed items that have not been properly investigated be deleted from my credit report as required by law when an investigation is not completed within the timeframe. 

Please acknowledge receipt of this complaint and inform me of any actions that will be taken. I appreciate your prompt attention to this matter to ensure compliance with consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a notification for a new credit line on my credit which was a car loan I had taken on XX/XX/XXXX and already had this reflecting on my credit that cause a reduction in my credit score at that time. However I received an unfair reduction in my credit score by XXXX points from Experian and TransUnion credit bureaus. This is unfair and unjust seeing that the % of credit used on my credit cards is even less than 10 %.

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 2025-02-04 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: CT

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company I.C. SYSTEMXXXX XXXXXXXX contacted me about a debt from XXXX XXXX XXXX account number XXXX  for the amount of {$1000.00}. As of XX/XX/year>, I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX XXXX XXXX I have never signed an agreement for my information to be shared or sold I.C. SYSTEM, INC, nor do l have a contract nor have l ever signed a contract with XXXX XXXX XXXX XXXX I.C. SYSTEM, INC. This is a direct violation of my consumer rights cited by the FDCPA. I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advised these documents must have my consent stating l owe this debt to XXXX XXXX XXXX XXXX I.C. SYSTEM, INC. This must be written, original documentation, not electronic forms or scans. Again note that this account with XXXX XXXX XXXX has already been disputed on several occasions in regards to it being a result of identity theft. I have filed multiple disputes and complaints to CFPB, and FTC. Because of the constant lack of care and responsibility on all parties, I am requesting I.C. SYSTEM, INC cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to cease and desist all attempts to collect this debt further. Please advise XXXX XXXX XXXX XXXX I.C. SYSTEM, INC to cease and desist reporting this collection to the credit reporting agencies. Remove this item from all three credit reports immediately. You are hindering my daily duties tremendously. Thank you for your time and attention to this matter

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 2025-02-04 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
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/year> TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate A c c o u n t Information XXXX XXXX XXXX XXXX XXXX XXXX Account [ Partial Account Number : ] Dear TransUnion Dispute Department XXXX XXXX am writing to dispute the accuracy of a XXXX XXXX account listed on m y credit report. The account, identified with the partial account number XXXX, is reported with a charge-off status. I believe this information i s incorrect due to t h e following reasons : 1. Inaccurate Reporting : The account details, including balance and payment history, contain discrepancies that do not align with my records.

2. Unverified Information : Under t h e Fair Credit Reporting Act ( FCRA ), all information on my credit report must be verified, accurate, and timely. If the creditor can not provide proper documentation validating this account, it must b e deleted.

I request t h a t TransUnion conduct a thorough investigation into this matter. If XXXX XXXX  can not verify t h XXXX legitimacy and accuracy of this account within the required timeframe, I expect it t o b XXXX removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the disputed account and any supporting documents that may assist in your investigation.

Please update m e o n t h e status o f this dispute a s soon a s possible. If you require any further information, you may contact m e at t h e details listed above.

Thank you for your prompt attention to t h i s m a t t e r. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
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/year> TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate A c c o u n t Information XXXX XXXX XXXX XXXX XXXX XXXX Account [ Partial Account Number : ] Dear TransUnion Dispute Department XXXX XXXX am writing to dispute the accuracy of a XXXX XXXX account listed on m y credit report. The account, identified with the partial account number XXXX, is reported with a charge-off status. I believe this information i s incorrect due to t h e following reasons : 1. Inaccurate Reporting : The account details, including balance and payment history, contain discrepancies that do not align with my records.

2. Unverified Information : Under t h e Fair Credit Reporting Act ( FCRA ), all information on my credit report must be verified, accurate, and timely. If the creditor can not provide proper documentation validating this account, it must b e deleted.

I request t h a t TransUnion conduct a thorough investigation into this matter. If XXXX XXXX  can not verify t h XXXX legitimacy and accuracy of this account within the required timeframe, I expect it t o b XXXX removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the disputed account and any supporting documents that may assist in your investigation.

Please update m e o n t h e status o f this dispute a s soon a s possible. If you require any further information, you may contact m e at t h e details listed above.

Thank you for your prompt attention to t h i s m a t t e r. 
Sincerely, 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 2025-02-04 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: GA

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XX/XX/XXXX XXXX Balance {$2200.00} XXXXXX/XX/XXXX XXXX Balance {$1800.00} XX/XX/XXXX XXXX Balance {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation