vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: MA

Complaint narrative:
Experian permitted financial companies to access my credit report for both soft and hard inquiries. Notably, one hard inquiry was made by XXXXXXXX on XX/XX/XXXX. Later, on XX/XX/XXXX, additional soft inquiries were performed, and Experian conducted a soft credit review to match products. All of these actions have led to fraudulent entries on my credit report, including the XXXX inquiry that adversely affected my credit in XX/XX/XXXX. 

More recently, I discovered another fraudulent account on my report, which I subsequently disputed. The account details are as follows : Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Recent Balance : Not reported Date Opened : XX/XX/XXXX Despite the evidence I provided to support the fraud claim, the dispute was declined by the loan producers, and Experian has not removed the negative entry from my report.

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 2025-03-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Creditors has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX XXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXXXXXX breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent 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 2025-03-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Creditors has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX Equifax data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX Equifax breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AZ

Complaint narrative:
Creditors has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX XXXXXXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXXXXXX breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent 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 2025-03-26 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion regarding two XXXX XXXX accounts that were inaccurately reported on my credit file. One account was listed as a charge-off with a balance of {$10000.00}, and the other with a balance of {$530.00}. I disputed both accounts as inaccurate and misleading. 

On XX/XX/year>, TransUnion responded stating that the accounts would remain unchanged on my credit report. However, the response provided no evidence of a reasonable reinvestigation. TransUnion did not provide any explanation, documentation, or method of verification, nor did it appear they contacted XXXXXXXX XXXX  to verify the information. 

This lack of investigation violates the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and ensure the maximum possible accuracy of consumer credit files. I believe TransUnion merely issued a generic response without conducting the necessary steps to verify or correct the disputed information. 

I am requesting that the inaccurate XXXXXXXX XXXX entries be properly investigated and corrected or removed, and that I be provided with the method of verification used to allegedly validate the accounts.

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 2025-03-26 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: FL

Complaint narrative:
I have reviewed my credit report and found that a late payment has been incorrectly reported by Transunion for the account XXXX XXXX XXXX account number : XXXX on XXXXThis late payment is incorrect because I made a payment of {$25.00} for XX/XX/year>, as demonstrated by the attached proof of payment documentation. I have submitted a dispute to Transunion and provided evidence showing that the payment was made on time. Despite this, the credit bureaus have not corrected or removed the inaccurate late payment from my credit report. This failure to investigate and correct the error violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i. Given the violation of the Fair Credit Reporting Act and my consumer rights, I request the following action. Immediate removal of the inaccurate late payment entry from my credit report. I respectfully request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that the credit bureaus comply with the law. Please feel free to contact me at the provided phone number or email address for any further information or clarification.

Thank you for your attention to this urgent matter. 

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 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
Subject : Debt Validation Dispute - Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the debt reported by XXXX and Credit Control, regarding a debt allegedly owed XXXX. I previously requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but to date, I have not received the required validation documents. I am requesting that you immediately cease reporting this debt to the credit bureaus until proper validation is provided. 

According to the Fair Credit Reporting Act ( FCRA ), Section 1681s-2 ( b ), you are required to report accurate and complete information to credit reporting agencies. Under FCRA Section 1681i ( a ) ( 1 ), I have the right to dispute any item on my credit report that I believe is inaccurate or incomplete, and I am entitled to a full investigation of that dispute.

In addition, under FDCPA Section 809 ( b ), once a consumer disputes a debt in writing and requests validation, the debt collector must cease collection activities until they provide the required validation. It has been [ insert the number of days since your initial request ] since my request, and I have not received any documentation verifying the debt or proving that I owe the amount stated.

Failure to validate the debt within the time frame outlined by the FDCPA requires you to cease reporting the debt to the credit bureaus. Therefore, I request the following actions : Immediate removal of the alleged debt from my credit report, as it has not been validated.

Verification of this debt, including documentation from XXXX that it is valid and that you have the legal right to collect on it. 

Cease any further collection efforts on this debt until proper validation is provided. 

If you fail to respond with proper documentation of this debt, you must remove it from my credit report as required under the FCRA and the FDCPA. 

Please ensure that your investigation is completed and that you provide a response within 30 days of receiving this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

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 2025-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report and found that a late payment has been incorrectly reported by Experian for the account XXXX XXXX XXXX account number : XXXX on XXXX late payment is incorrect because I made a payment of {$25.00} for XX/XX/year>, as demonstrated by the attached proof of payment documentation. I have submitted a dispute to Experian and provided evidence showing that the payment was made on time. Despite this, the credit bureaus have not corrected or removed the inaccurate late payment from my credit report. This failure to investigate and correct the error violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i. Given the violation of the Fair Credit Reporting Act and my consumer rights, I request the following action. Immediate removal of the inaccurate late payment entry from my credit report. I respectfully request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that the credit bureaus comply with the law. Please feel free to contact me at the provided phone number or email address for any further information or clarification. 

Thank you for your attention to this urgent matter. 

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 2025-03-26 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-03-26 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2025-03-26 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I was filed a collection on my credit report due to someone else using my name in Iowa, in a state I never lived in. I have lived in XXXXXXXX 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 2025-03-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian due to their failure to investigate and correct inaccurate information on my credit report, violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

I formally disputed several inaccurate items on my Experian credit report, including unknown credit inquiries, accounts that do not belong to me and inaccurate accounts. I provided supporting documentation proving these inaccuracies and requested a proper investigation. Despite my request, Experian failed to investigate and remove these inaccuracies from my accounts, This failure to conduct a reasonable investigation has caused financial harm, including denied credit, increased interest rates, damage to my credit score, emotional distress, etc.

Resolution Requested : I formally demand that Experian : 1. Immediately remove all inaccurate and unverifiable information from my credit report.

2. Provide written confirmation that these corrections have been made.

3. Ensure compliance with the FCRA to prevent further harm to my credit profile.

I request that the CFPB take immediate action to ensure Experian complies with federal law and protects consumers from unfair credit reporting practices. Please confirm receipt of this complaint and keep me updated on the next steps. 

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 2025-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent a dispute letter to Equifax, Experian and Transunion to inform them of the incorrect information on my credit report. It has been more than 30 days and the inaccuracies have not been corrected. The following information is incorrect and needs to be updated or since it is longer than thirty days it needs to be deleted : US BKPT CT FL XXXX - XXXX - The filed/reported dates are inaccurate across the three bureaus, the discharge date is reporting inaccurately as well.

Company response to consumer: Closed with explanation