vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Request for Deletion Due to Inaccurate and Inconsistent Reporting by Experian and XXXX XXXX XXXX XXXX  Account Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and XXXX regarding inaccurate and inconsistent reporting of an account from XXXX XXXX XXXX  on my credit reports. I respectfully request that this account be completely removed from my credit files due to the inaccurate and inconsistent reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Experian is reporting this account as Closed Profit and Loss Write-Off, which suggests the creditor has written off and closed the account in their records. 
XXXX is reporting the same account as an XXXX XXXX, which inaccurately suggests the debt is still open and active. 

These conflicting account statuses are misleading, confusing, and damaging to my credit profile. I have made multiple attempts to have these errors corrected directly with both credit bureaus, but they have failed to resolve the issue. The FCRA requires information reported to consumer reporting agencies to be accurate, complete, and consistent. These discrepancies clearly violate this requirement. 

Additionally, since XXXX XXXX XXXX  has internally written off this debt ( as shown in Experians reporting ), there should be no remaining obligation reported as an open balance on any bureau. 

Requested Resolution : I respectfully request that the CFPB direct Experian and XXXX to : XXXX. Immediately delete the inaccurate account from my credit reports with both agencies. 
XXXX. Provide written confirmation of the deletion. 
XXXX. Provide an explanation of how they verified the accuracy of their previous reporting if they do not delete the item. 

Attachments : Experian Credit Report highlighting the inconsistent account status XXXX Credit Report highlighting the conflicting information Supporting documentation regarding the status of this account Thank you for your time and prompt attention to this serious matter. I trust the CFPB will assist in ensuring my credit reports are accurate and fair, in accordance with federal law. 

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 2025-03-11 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:
Dear XXXX XXXX XXXX, I am writing to formally dispute fraudulent accounts and inquiries appearing on my credit reports. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX XXXX Code XXXX ) and demand the immediate blocking and deletion of all the fraudulent items listed below. 

According to FCRA XXXX XXXX, it is illegal to report any unauthorized information on my credit report without my consent. The following accounts, credit inquiries, employers, phone numbers, and addresses were fraudulently added to my credit profile and must be removed immediately : Fraudulent Credit Accounts & Unauthorized Inquiries to Be Deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$490.00} XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$100.00} XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$330.00} Medical Fraudulent Charges XXXX  XXXX  XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$6000.00} Unauthorized Employers to Be Removed : These businesses were fraudulently added to my credit report, and I have never worked for them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Unauthorized Addresses to Be Deleted : These addresses do not belong to me and must be removed from my credit file immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Phone Numbers to Be Removed : These unauthorized phone numbers are not associated with me and must be deleted : XXXX XXXX XXXX XXXX XXXX Legal Basis for Deletion & Immediate Action Required : Under FCRA XXXX XXXX, you are required to block and remove all fraudulent information from my credit report upon receiving my valid identity theft report. Additionally, I request that you send me written confirmation once these items have been permanently deleted. 

If you fail to comply, I will escalate this complaint to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
Dear XXXX XXXX XXXX, I am writing to formally dispute fraudulent accounts and inquiries appearing on my credit reports. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX XXXX Code XXXX ) and demand the immediate blocking and deletion of all the fraudulent items listed below. 

According to FCRA XXXX XXXX, it is illegal to report any unauthorized information on my credit report without my consent. The following accounts, credit inquiries, employers, phone numbers, and addresses were fraudulently added to my credit profile and must be removed immediately : Fraudulent Credit Accounts & Unauthorized Inquiries to Be Deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$490.00} XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$100.00} XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$330.00} Medical Fraudulent Charges XXXX  XXXX  XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$6000.00} Unauthorized Employers to Be Removed : These businesses were fraudulently added to my credit report, and I have never worked for them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Unauthorized Addresses to Be Deleted : These addresses do not belong to me and must be removed from my credit file immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Phone Numbers to Be Removed : These unauthorized phone numbers are not associated with me and must be deleted : XXXX XXXX XXXX XXXX XXXX Legal Basis for Deletion & Immediate Action Required : Under FCRA XXXX XXXX, you are required to block and remove all fraudulent information from my credit report upon receiving my valid identity theft report. Additionally, I request that you send me written confirmation once these items have been permanently deleted. 

If you fail to comply, I will escalate this complaint to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC )

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Dear CFPB, I am writing to formally dispute the validity of an account that appears on my credit report. The account in question is listed under Absolute Resolutions Inc with account number Account # XXXX & Original Account Number : XXXX. 

On XX/XX/XXXX I sent a debt validation request to Absolute Resolutions Inc via certified mail, requesting verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). As of today, they have failed to provide the necessary documentation to validate the debt. According to the FDCPA, if a debt collector can not validate a debt, they must cease collection efforts, and the debt should not be reported. 

Since the collection agency has not provided proper validation, I am requesting that this account be immediately removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau must ensure that all reported information is accurate and verifiable. Given that the collection agency has failed to validate the debt, this account is not verifiable and should therefore be deleted. 
Please investigate this matter and remove the unverified account from my credit report. I expect a response within the 30-day timeframe allowed by the FCRA. If this account is not removed, I may consider further action to enforce my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NC

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 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 2025-03-11 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: SC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-11 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: MI

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been opened and reported on my credit file without my authorization. Despite previous disputes, these accounts remain on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Per FCRA 15 U.S. Code 1681c-2 ( Section XXXX ), I am formally requesting the immediate and permanent blocking of the following accounts from my credit report. These accounts are the result of identity theft, and I did not authorize them. Under the law, the credit reporting agencies must block these accounts within XXXX business days of receiving this report and supporting documentation. 

I have attached all necessary documentation, including my FTC Identity Theft Report, proof of identity to verify my claim. Failure to comply with this request will result in further legal action, as withholding fraudulent accounts is a direct violation of my consumer rights. 

I demand that these accounts be removed from my credit file immediately and that I receive written confirmation of the deletions.

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 2025-03-11 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: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 2025-03-11 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Was mailed several breaches and given a paper verifying my information was leaked on the internet without my concentration. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX & 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit 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 2025-03-11 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: NV

Complaint narrative:
After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by TransUnion is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 
Ive listed the following inaccurate information below from my EXPERIAN and TRANSUNION Consumer Report that must be removed.

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