vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX - They are reporting incorrect information on all XXXX  credit reports as well as the statement has a different amount than what is being reported to my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You can also dispute online or by phone. 

Subject : Cease and Desist Request Regarding Incorrect Information on Credit Report Dear Credit bureau I am writing to formally request that you immediately cease and desist from reporting inaccurate or erroneous information on my credit report. I have identified that certain items on my credit report portfolio recovery, Leafy financial llc are inaccurate, misleading, or otherwise incorrect. 

Specifically, the following information is incorrect : [ Item XXXX : XXXX XXXX  is closed on my account debt is not mines -Portfolio recovery is closed on my account. 
Leafy Finanacial LLC- company did not give me of the imformation on the account. and they brought this debt from a third party Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies or outdated information on my credit report. I have already submitted the necessary documentation to substantiate my claim and I request that you take prompt action to investigate and correct these discrepancies. 

If the incorrect information is not removed or updated in a timely manner, I will consider this a violation of my rights and may seek legal action to protect my interests. Please take immediate steps to cease reporting inaccurate information, and provide me with written confirmation of the corrections made. 

I request that all further communication regarding this matter be sent to the address above. 

Thank you for your immediate attention to this issue. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NM

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Date : XX/XX/year> RE : Failure to Respond to Identity Theft Request & Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This correspondence serves as a formal demand for immediate action regarding my previously submitted identity theft report. I submitted a written request notifying you of fraudulent accounts appearing on my credit report and provided supporting documentation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. Despite my valid request, you have failed to fulfill your legal obligation to block the fraudulent accounts within the required XXXX ( XXXX ) business days. This noncompliance is a direct violation of federal law. 

Under 15 U.S.C. 1681c-2 ( a ), once a consumer provides proper identification and an identity theft report, the consumer reporting agency must block the reporting of any fraudulent information related to identity theft within XXXX business days. Your failure to adhere to this provision constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, both of which provide for monetary damages, attorney fees, and other legal remedies. 

I demand the immediate and unconditional removal of the following fraudulent accounts listed on my ftc report : reference number : XXXX Additionally, I request written confirmation that these accounts have been blocked as required by law. Failure to comply within XXXX ( XXXX ) calendar days from the date of this letter will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action in a court of competent jurisdiction. 

This letter serves as formal notice of your statutory obligations, and any further delay in addressing this matter will be viewed as intentional noncompliance. I strongly advise your legal team to review this situation promptly to mitigate further liability.

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 2025-03-12 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-12 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: TX

Complaint narrative:
I filed a dispute with Experian and equifax due to identity theft. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information. failure to notify consumer of dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a new car and place to live. Experian violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Account in Question : Account XXXX Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. 15 U.S.C. 6802 Financial Institutions Duty to Protect Privacy Under this statute, financial institutions and related entities are required to provide consumers with the right to opt-out of their personal information being shared with non-affiliated third parties. I was not given the opportunity to opt-out, nor did I provide consent for my information to be shared with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
Started a complaint on this company for reporting incorrect information. they submitted a document but reporting wrong information. they submitted a specturm bill but reporting a XXXX bill past due and written off without providing a 1099c form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I lost my identity a while ago. As I was learning about credit and pulled my report I noticed this account that is incorrect and I did not open. Can this be corrected and removed please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I lost my identity a while ago. As I was learning about credit and pulled my report I noticed this account that is incorrect and I did not open. Can this be corrected and removed please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I am writing to dispute inaccurate, and unverifiable information that remains on my Equifax credit report after a previous dispute filed on XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit reporting agencies are required to remove unverifiable or inaccurate information. Additionally, under FCRA 15 U.S.C. 1681c-2, I am demanding the immediate block and removal of the following accounts from my credit file, as they are believed to be fraudulent : Accounts in Dispute : 1. XXXX XXXX XXXX Original Creditor : XXXX  XXXXXXXX XXXX XXXX Balance : {$1000.00} Status : Closed - Derogatory Reported Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$580.00} Status : Needs Attention - Derogatory Reported Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$0.00} Status : Closed Reported Date : XX/XX/XXXX -- - Reason for Dispute : 1. Failure to Provide Proper Verification I previously submitted a 609 letter requesting verification of these accounts. As required by 15 U.S.C. 1681g, Equifax is legally required to provide complete documentation, including the original contract with my signature proving I agreed to these alleged debts. Since no such proof has been provided, these accounts are unverified and must be immediately deleted. 


XXXX. XXXX and XXXX Accounts Upon review, I discovered that these accounts are either fraudulent or duplicates of other reported debts, violating XXXX XXXX. XXXX ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy in consumer reports. 


XXXX. Fair Debt Collection Practices Act ( FDCPA ) Violation Under XXXX U.S.C. XXXX, creditors and debt XXXX are prohibited from engaging in fraudulent collection practices. The continued reporting of these disputed accounts without proper validation is a violation of my rights under this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Improper reporting on my credit profile. Thats, creating a hardship.

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 2025-03-12 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:
Improper reporting on my credit profile. Thats, creating a hardship.

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 2025-03-12 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:
EXPERIAN CREDIT REPORT IS REPORTING THAT MY " XXXX XXXX XXXX XXXX XXXX' HAS A LATE PAYMENT. THIS IS INCORRECT " I WAS NEVER LATE. 

THE REPORT SHOWS : XX/XX/year> AS LATE AMOUNY : {$240.00}

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
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Removal of addresses, and phone numbers that do not belong to me. I have requested to remove unauthorized hard inquiries that display on credit report. I have throughly reviewed my records and can confirm these inaccuracies. I have the right through FCRA to dispute any information that is not accurate. I have contacted the credit bureau through online portal and via customer service ( phone ) and have not had a resolution.

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 2025-03-12 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: GA

Complaint narrative:
There has been a identity theft going on with my Equifax credit card as someone tried to apply credit card with the banking institution XXXX XXXX XXXX XXXXXXXX on XX/XX/year> using my SSN and other details without my consent or knowledge. I request this unauthorized hard enquiry to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had a loan from TD auto finance for my new truck. I refinanced it with another bank that I was transferring everything to. There was an over payment of {$2000.00}. They claimed for a month they would send a check. Now they say they need to verify from my new bank and they didn't answer. They said they need a release form, which they wouldn't give me. And have said they still won't answer the phone and can't release the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-12 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:
I filed a dispute on XXXX XXXX XXXX XXXX XXXX XXXXXXXX due to the poor investigation and not getting back to me about the investigation. Experian denied to follow up with investigation.I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information, failure to notify customer dispute results.This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house, car, and etc. Experian violates my rights asa consumer, as well as federal laws.

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 2025-03-12 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:
Validation of debt sent XX/XX/XXXX XXXX package sent on XX/XX/XXXX Received a message that Experian received something that was not from me, when my address was clearly printed on the documentation along with proof of my identity. These inaccurate accounts that have not been validated and are affecting my reputation and credit. I requested documentation with my wet ink signature which none of the companies have been able to produce. I also did not give my consent to have this inaccurate information posted to my account.

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 2025-03-12 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: CA

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

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