vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: CL Holdings LLC
State: MS

Complaint narrative:
Follow-Up Complaint Regarding Unresolved Credit Bureau Deletion JCS Reference # XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting a follow-up complaint regarding a previously disputed collection account with JCS ( Reference # XXXX ) that remains on my credit report despite the companys response confirming that they would request its deletion from the credit bureaus. 

On XX/XX/XXXX, JCS responded to my initial CFPB complaint ( submitted on XX/XX/XXXX ) stating that they had terminated collection efforts and were requesting the credit bureaus delete their tradeline. However, as of today, XX/XX/XXXX, the collection account is still reporting on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct an investigation and ensure that inaccurate or unverified information is corrected or removed in a timely manner. Since XXXX has already acknowledged the debt is no longer being collected and should be deleted, they are obligated to follow through on this action and ensure the credit bureaus update my records accordingly. 

I am formally requesting that JCS provide proof of their deletion request to the credit bureaus and that the credit bureaus update my credit report to reflect the removal of this collection account within 30 days of this notice. Failure to comply with this request may result in further action being taken to enforce my rights under the FCRA. 

Please assist in ensuring this matter is resolved promptly. I appreciate your time and attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I disputed the account with Equifax and it was improperly investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
I Reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Bankruptcy are incorrect as well as inquiries. They are giving a negative impact on my credit

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Bankruptcy are incorrect as well as inquiries. They are giving a negative impact on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: ID

Complaint narrative:
I have requested the process of validation of disputes, validation process of alleged debts, and the information that was gathered relevant to the process. No information has been given. Please correct errors on 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 2025-02-16 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I have attempted to dispute this false information on my credit report for years. I have repeatedly requested that this company provide validation of the information they are reporting, yet they have failed to do so. Despite their inability to substantiate their claims, they continue to report inaccurate information, causing harm to my credit and financial standing. 

This ongoing failure to correct false reporting is a direct violation of my rights as an American. I have given ample opportunity for this company to provide proof, yet they persist in disregarding my disputes. Their refusal to act in accordance with the law and remove the inaccurate information is unacceptable. 

I demand immediate removal of this false information from my credit report. Failure to do so will leave me no choice but to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX : {$730.00} & XXXX XXXX VA XXXX XXXX : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX : {$730.00} & XXXX XXXX VA XXXX XXXX : {$10000.00}

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 non-monetary relief
Consumer complaint received 2025-02-16 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 Reviewed my consumer report and noticed that I had XXXX late payment on an account that i was never late for consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of thier liability with maximun acuracy. I have never been late on payment fot the account # XXXX from XXXX  XXXX XXXX XXXX Please invenstigate and provide proof wirh statement showing that this payment were late. If proof can't be provided I demand these payments be update to on time as they should be as I was NEVER late. 
Eventhought this account was payeed totaly. 
Thanks!

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I purchased a pair of sneakers online for my son using Affirm. The item was not lost and XXXX reimbursed the company of the purchase. I advised to affirm that the item was never received and XXXX was investigating the loss. The told me that they will investigate the claim and will get back to me. For over a month i kept calling them and everything i called me they will give me the run around. I obtained a copy of the reimbursement from XXXX to which i emailed to them they kept charging me. They report my account to the Credit bureau that has affected my credit score tremendously and would like for them to reverse the course. First i never received the item and second i forwarded documents from XXXX that the company has been reimbursed and Affirm has not taken any action to force them to reimburse them.I would like for them to reverse this action. I have made several purchases with Affirm and has never been deliquent with my purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom this letter may concern, I am writing to inform you that I am disputing the reinsertion of previously deleted accounts XXXX  XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$1000.00}, XXXX  XXXX # XXXX BALANCE {$780.00}, XXXX XXXX, # XXXX BALANCE {$790.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice from your end. 

According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 

In accordance with the requirements of the FCRA section 611 ( a ) ( S ) ( B ) | ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( 4 ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.

Please govern yourself accordingly.

I am requesting that these items be deleted from my credit reportimmediately, and an updated credit report be provided to me. If action is not taken promptly, I will have no choice but to escalate the matter to the Federal Trade Commission ( FTC ) and file a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

I hope you will take this matter seriously and resolve it as soon as possible. Thank you for your attention to this matter. 

Sincerely, 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 2025-02-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom this letter may concern, I am writing to inform you that I am disputing the reinsertion of previously deleted accounts XXXX  XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$1000.00}, XXXX  XXXX # XXXX BALANCE {$780.00}, XXXX XXXX, # XXXX BALANCE {$790.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice from your end. 

According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 

In accordance with the requirements of the FCRA section 611 ( a ) ( S ) ( B ) | ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( 4 ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.

Please govern yourself accordingly.

I am requesting that these items be deleted from my credit reportimmediately, and an updated credit report be provided to me. If action is not taken promptly, I will have no choice but to escalate the matter to the Federal Trade Commission ( FTC ) and file a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

I hope you will take this matter seriously and resolve it as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana, XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ] , I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Onemain, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Made a dispute with Experian and was not investigated properly

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 2025-02-16 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-02-16 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: IL

Complaint narrative:
I don't have an XXXX credit card or XXXX XXXX XXXX XXXX and the credit bureaus are refusing to delete these accounts. The credit bureaus are validating these accounts but rather doing an E-Oscar verification to the companies. Per the FCRA the companies are required to do a proper investigation and receive validation on any investigation. I have provided my report number with the FTC. I have never had any accounts with either of these companies. Please delete these accounts off my credit report. XXXX Credit card, 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 2025-02-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CORELOGIC INC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX Corelogic Credco XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ], I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Corelogic Credco, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately. 

Thank you for your assistance in resolving 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