vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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:
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

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 2025-02-27 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: WA

Complaint narrative:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 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 explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
Subject : Request for Deletion of Fraudulent Accounts Due to Data Breach To Whom It May Concern, I am writing to formally request the deletion of fraudulent accounts and inquiries on my credit report that resulted from the Equifax data breach and the subsequent compromise of my personal information. I recently discovered that my credit was affected due to unauthorized activity, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this information removed.

These accounts were opened or accessed fraudulently without my consent. Per FCRA regulations, I request the following actions : 1. Immediate removal of all fraudulent accounts and inquiries associated with the breach.

Enclosed are supporting documents to verify my identity and dispute the fraudulent accounts : A copy of my government-issued ID A copy of my recent utility bill/bank statement ( for address verification ) A copy of my credit report with fraudulent items highlighted A copy of my FTC Identity Theft Report ( if applicable ) Please provide a written response confirming the deletions and any further actions taken. If you require additional information, contact me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau XXXX, XXXX and Equifax records, there is incorrect information being reported under section # 1681-0 Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This is an account that is fraud and not my debt please removed immediately. I do not own and have never used this account. 15 U.S CODE 1692 15 U S CODE1692g 15 u s code 1681 e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: AZ

Complaint narrative:
I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau Experian, XXXX and XXXX records, there is incorrect information being reported under section # 1681-0 Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This is an account that is fraud and not my debt please removed immediately. I do not own and have never used this account. 15 U.S CODE 1692 15 U S CODE1692g 15 u s code 1681 e ( b )

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 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Violating my rights US1692B and Us1681XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
Equifax is reporting false information regarding a XXXX  credit card. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-26 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: FL

Complaint narrative:
This morning, I noticed that my credit report contained inaccurate accounts, and I have no idea how they appeared. I check my report regularly, but this time, I found unexpected inconsistencies. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Due to this issue, I am requesting a detailed review of the documents I have submitted so that I no longer have to worry about this happening again.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This is Sloan 's error. Like XXXX, it is in forebearance since XX/XX/year>. A demand letter was sent to correct this error and remove these negative items. They have updated the site but not the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-26 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
This is a debt for a vehicle of mine that was repossessed around XXXX, the car was then sold by the company and there was a balance not the amount they are saying it is for, and that balance was paid through a representative over the phone. Fast forward to XX/XX/XXXX I out of nowwhere received an email from my employer about a garnishment for an obscene amount. I contacted the attorney for the debt collection and requested to dispute this garnishment/collection and they stated they would send out documents to get this disputed, XXXX weeks from then I have yet to receive those documents and I called and they are saying they don't know when it will be sent out, but there is a note on the account. Meanwhile I am get over XXXX XXXX dollars taken out of my salary illegally while they give me the run around on sending what I need to get this disputed. Its just crazy when things are already bad. Not to mention this debt is over over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: HI

Complaint narrative:
After reviewing my credit report, I was alarmed to find accounts listed that I do not recognize. I never opened these accounts, nor have I ever had any dealings with them. Yet, they are being reported under my name, which is a serious error. This false reporting is creating an inaccurate reflection of my financial history, and I need this to be corrected 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 2025-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Summary of Events Involving Carrington Mortgage Services , LLC 1. Loan Origin & Transfer A mortgage was originally signed with XXXX XXXX XXXX on XX/XX/XXXX, for {$360000.00}. 

After a few months, discrepancies were identified in the contract, leading to a Notice of Rescission being sent to XXXX under TILA ( Truth in Lending Act ) 15 U.S.C. 1635. 

XXXX reported the loan as paid in full and later issued a 1099-C ( Cancellation of Debt ).

2. Carrington Mortgage Services Becomes Involved Despite the 1099-C debt cancellation, Carrington Mortgage Services began servicing the loan and claiming ownership of the debt without proof of legal standing.

Carrington initiated foreclosure proceedings in XXXX without producing the original promissory note or valid chain of title. 

On XX/XX/XXXX, a Final Judgment of Foreclosure was entered in the state court without due process. 

XXXX. Challenges & Legal Actions Taken The state court judgment was not appealed because the plaintiff was never properly served. 

A federal complaint was filed on XX/XX/XXXX, challenging Carringtons legal standing and violations of federal law. 

Throughout XXXX, multiple motions were filed, including : Motions to Compel Discovery ( Carrington failed to produce key documents ). 

Motion to Dismiss the Foreclosure due to fraud and lack of standing. 

Motion to Lift Discovery Stay ( denied by the court ).

4. Unresolved Issues Carrington never provided the original note despite multiple requests, violating 15 U.S.C. 1692g. 

The foreclosure process continued without proper verification of debt or proof of standing. 

The case was dismissed by the federal court under XXXX XXXX ignoring fraud and due process violations.

A new quiet title action is now being pursued based on : A valid Land Patent protecting the property.

A recorded UCC-1 lien securing the property.

Unlawful actions by Carrington, including attempting to enforce a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-27 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: VA

Complaint narrative:
I am seeking remedy in the amount of {$1000.00} due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. XXXX XXXX XXXX was previously reported on my credit report as a result of the Equifax data breach. I have disputed this account, and as a result, it was successfully removed from my credit reports with Equifax, TransUnion, and Experian. Despite this, the account was initially listed due to willful noncompliance with regulations surrounding the accuracy and privacy of my credit information. I am requesting compensation for the harm caused by this improper reporting and violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: VA

Complaint narrative:
I am seeking remedy in the amount of {$1000.00} due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. XXXX XXXX XXXX was previously reported on my credit report as a result of the Equifax data breach. I have disputed this account, and as a result, it was successfully removed from my credit reports with Equifax, TransUnion, and Experian. Despite this, the account was initially listed due to willful noncompliance with regulations surrounding the accuracy and privacy of my credit information. I am requesting compensation for the harm caused by this improper reporting and violation of my privacy rights.

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 2025-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit Reporting Act, XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. 

Formal disputes regarding inaccurate information on my credit report. 
Dear TransUnion I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect TransUnion to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints.

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