vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies found on my credit reports provided by the three major credit reporting agencies ( Equifax, Experian, and TransUnion ). Specifically, I am concerned with the XXXX  account reporting different balances across all three reports. These discrepancies violate my rights under federal law and I am requesting immediate rectification of these errors. 

Summary of the Issue Upon reviewing my credit reports, I noticed that my XXXX account shows different balances on each of the XXXX credit reports. The varying balances are as follows : Equifax : [ {$XXXX} ] Experian : [ {$XXXX} ] TransUnion : [ {$XXXX} ] These discrepancies are significant and misleading, negatively impacting my XXXX XXXX and my financial standing. The presence of inaccurate information on my credit report violates several consumer protection laws. 

Relevant Laws 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and fairness of the information provided to consumers. Under 15 U.S.C. 1681e ( b ), the FCRA requires that credit reports be accurate and that consumers have the right to dispute any inaccurate or incomplete information. The varying balances reported by XXXX on my credit reports clearly violate this provision, as they do not reflect accurate and consistent data. 

2. FCRA - 15 U.S.C. 1681i Under 15 U.S.C. 1681i, if a consumer disputes inaccurate information in their credit report, the credit reporting agency is required to investigate and correct the error. As I have identified discrepancies in the XXXX account balances, I request that the credit reporting agencies promptly investigate and remove these inaccuracies in accordance with the FCRA. 

3. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e The FDCPA prohibits the use of any false or misleading representations in the collection of debts. This includes inaccuracies in reporting balances that mislead creditors and potential lenders regarding my creditworthiness. These inaccuracies may result in improper collections activity, which is a violation of my rights under the FDCPA.

Request for Action Given these clear violations of my rights under the FCRA and FDCPA, I request the immediate removal of these inaccurate accounts on all three credit reports. I also request written confirmation from the credit reporting agencies regarding the resolution of this matter.

If the inaccuracies are not rectified in accordance with the FCRA and FDCPA, I will consider taking further steps, including legal action, to ensure my rights are protected.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. It is preventing me from obtaining credit and renting.

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 2025-02-24 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: GA

Complaint narrative:
Violation of consumer rights. Violaion of multiple USC 's including the Fair Credit Reporting Act, Violation of CFRs, and ignoring Identity Theft Affidavit. According to the Fair Credit Reporting Act, all reports must be uniform and accurate, reporting identical information with each report. This is not the case with my reports. I have attached proof.

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 2025-02-24 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX ef I demand these collections be removed from my credit report as they are incorrect and not mine. I have not signed any an agreement with these companies nor received and copies of the original debt. XXXX, XXXX, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-02-24 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: FL

Complaint narrative:
Under XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX ef I demand these collections be removed from my credit report as they are incorrect and not mine. I have not signed any an agreement with these companies nor received and copies of the original debt. XXXX, XXXX, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: BTH Management
State: OH

Complaint narrative:
This company PLAZA SERVICES is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit reporting act ( company ) has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
XXXX violated by conspiracy to commit fraud with XXXX for financial gain and has willfully callously been in noncompliance of the laws FCRA 15 U.S.C. 605b block and reinsertion of fraudulent documents and is guilty of fraud with the miss representation of my credit report and caused financial harm blocking me from housing and employment to a XXXX person with the fraudulent document illegally obtained by this evil operation ran by XXXX XXXX XXXX whom has no legal authority to inserted without legal authority to act on nor have my permission and my right to privacy ignoring all requests to XXXX XXXX XXXX XXXX correct delete block and cease and desist of such crimes and sued for in which I'm owed civil liabilities for compensation of such harm blocked me from a {$150.00}, XXXX XXXX housing opportunity and a career projected t o make me a XXXX XXXX  and instead created homelessness to a XXXX person and has been for the course of a year of reporting to these evil actors and you the CFPB have just sued and won monies to compensated consumers and I'm eligible for this compensation and services from the Equifax data breech that Experian illegally charged my bank account for XXXX XXXX I demand my right to civil liabilities owed to me and wish for my share owed in the civil fund from the lawsuit just completed last month to the XXXX XXXX XXXX insurance claim EQUIFAX has agreed EXPERIAN provide through credit works because together they cost me to suffer since 2017 putting my son and i at risk of death and suffer in the state of homelessness, no way to self support and created inhumane dangerous conditions during our nations most dangerous times in history with the boarders open and women and children being XXXX XXXX XXXX XXXX. The fact that these disgusting acts are for financial gain is grounds for jail terms and banned from profiting off of the fraud is against human rights of an XXXX and Equifax is sued for XXXX XXXX for the same XXXX with several reports to you and them with the ignoring of several other 605b blocks.

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 2025-02-24 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: CA

Complaint narrative:
XXXX violated by conspiracy to commit fraud with XXXX for financial gain and has willfully callously been in noncompliance of the laws FCRA 15 U.S.C. 605b block and reinsertion of fraudulent documents and is guilty of fraud with the miss representation of my credit report and caused financial harm blocking me from housing and employment to a XXXX person with the fraudulent document illegally obtained by this evil operation ran by XXXX XXXX XXXX whom has no legal authority to inserted without legal authority to act on nor have my permission and my right to privacy ignoring all requests to XXXX XXXX XXXX XXXX correct delete block and cease and desist of such crimes and sued for in which I'm owed civil liabilities for compensation of such harm blocked me from a {$150.00}, XXXX XXXX housing opportunity and a career projected t o make me a XXXX XXXX  and instead created homelessness to a XXXX person and has been for the course of a year of reporting to these evil actors and you the CFPB have just sued and won monies to compensated consumers and I'm eligible for this compensation and services from the Equifax data breech that Experian illegally charged my bank account for XXXX XXXX I demand my right to civil liabilities owed to me and wish for my share owed in the civil fund from the lawsuit just completed last month to the XXXX XXXX XXXX insurance claim EQUIFAX has agreed EXPERIAN provide through credit works because together they cost me to suffer since 2017 putting my son and i at risk of death and suffer in the state of homelessness, no way to self support and created inhumane dangerous conditions during our nations most dangerous times in history with the boarders open and women and children being XXXX XXXX XXXX XXXX. The fact that these disgusting acts are for financial gain is grounds for jail terms and banned from profiting off of the fraud is against human rights of an XXXX and Equifax is sued for XXXX XXXX for the same XXXX with several reports to you and them with the ignoring of several other 605b blocks.

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 2025-02-24 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-24 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:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation