vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-13 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted formal disputes to TransUnion, XXXX, and XXXX regarding inaccuracies on my credit report, specifically identifying the accounts in question and providing clear details about the errors. Despite their legal obligation to investigate and respond under the Fair Credit Reporting Act ( FCRA ), it has now been over 30 days with no response from these agencies.

Under FCRA Section 623 ( a ) ( 3 ), furnishers of information must update accounts to reflect a disputed status during the investigation. This obligation has not been met, resulting in continued misrepresentation of my consumer report.

Additionally, the inaccurate reporting of the 'date of last activity ' on this account violates Section 605 ( c ) of the FCRA , as this date should correspond to the last payment made rather than an arbitrary date, misleading creditors and consumers alike.

Furthermore, the collection agency associated with this account has failed to provide sufficient validation of the debt as required under FDCPA Section 809 ( b ). This repeated failure undermines the accuracy and fairness of my credit report and violates my consumer rights. 

I am attaching copies of the original letters sent, along with relevant documentation. I respectfully request immediate action to correct these violations and ensure compliance with federal regulations.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted formal disputes to XXXX, XXXX, and Experian regarding inaccuracies on my credit report, specifically identifying the accounts in question and providing clear details about the errors. Despite their legal obligation to investigate and respond under the Fair Credit Reporting Act ( FCRA ), it has now been over 30 days with no response from these agencies.

Under FCRA Section 623 ( a ) ( 3 ), furnishers of information must update accounts to reflect a disputed status during the investigation. This obligation has not been met, resulting in continued misrepresentation of my consumer report.

Additionally, the inaccurate reporting of the 'date of last activity ' on this account violates Section 605 ( c ) of the FCRA , as this date should correspond to the last payment made rather than an arbitrary date, misleading creditors and consumers alike.

Furthermore, the collection agency associated with this account has failed to provide sufficient validation of the debt as required under FDCPA Section 809 ( b ). This repeated failure undermines the accuracy and fairness of my credit report and violates my consumer rights.

I am attaching copies of the original letters sent, along with relevant documentation. I respectfully request immediate action to correct these violations and ensure compliance with federal regulations.

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 2025-01-13 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$750.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX, a gmail from XXXX XXXX  of my current balance XXXX, minimum payment XXXX. I immediately contacted XXXX XXXX  inquiring of its detailed authorization. They had the same data as I had. As a result however, a correction was made to XXXX, minimum payment XXXX. I made that payment XX/XX/XXXX. I've made XXXX -- in purchases. XX/XX/XXXX, I received a gmail from XXXX XXXX  showing a balance of XXXX, minimum payment 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 2025-01-13 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: TN

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
The company was taking money from my account monthly, but did not help me with credit repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: OK

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks, Attached 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 non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-13 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: FL

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on 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 non-monetary relief
Consumer complaint received 2025-01-13 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I called XXXX and sent letters to have information removed because this is not my acct I also sent a dispute through app requesting to exercise section 605 b and they were u able to help me I. This matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: RI

Complaint narrative:
On the XXXX of XX/XX/XXXX I attempted to open an account with TransUnion in order to check my credit and put a freeze on my credit account in order to prevent fraud. I was unable to open an account through their normal portal, and was presented with an error message and told to call their help number. After calling, I was told by the representative that they were unable to verify my identity because the social security number I was providing, was incorrect. I opened accounts with the two other main credit bureaus that same day with no issue. I was told on the phone that there was one bank that was reporting the social security number incorrectly. The solution that was offered to me initially was to send them a copy of my social security card in the mail to prove my identity. I objected, because I did not want to send sensitive information in the mail. I was then told that my other option was to contact the bank that was incorrectly reporting the information, and have them correct the error from their end. 

On XX/XX/XXXX TransUnion sent me a written letter stating that the source of the error was XXXX XXXX. This is a bank that I have not had an active account with since XXXX. I contacted the bank and asked them to update that information. They sent me a letter on XX/XX/XXXX stating that they had investigated the disputed information but found it to all be correct. 

Since XX/XX/XXXX I have had an open case with Transunion and have been told multiple times that my case was being looked at, investigated, that I would hear of a resolution, etc. XX/XX/XXXX I was told that my case would be resolved in XXXX business days and that I would receive a call with an update. I called XX/XX/XXXX and was told that my file was still being looked at by their maintenance department, I should have received a call back from their team but did not. The representative said that my social security number is still in their records as incorrect, and that the social security number actually belongs to someone else.

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 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I received a letter from them, but all of the information is inaccurate. It says I owe XXXX, it has a date for the amount owed in fees, XXXX where there should be dates, and it looks like the amount I " owe '' is where the account number should go. But the worst part of all is they printed my entire social security number in the section where it says amount in interest. If anyone had gotten a hold of this, it would be pretty evident that was my social security number and they would have access to that, my address, name, etc. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: MI

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 : Dispute of Verified Account Global Lending Services Account Number : XXXX Report Number : XXXX To Whom It May Concern, I am writing to formally dispute the Global Lending Services account listed on my credit report. This account continues to be reported as verified, yet no documentation or proof has been provided to substantiate the debts accuracy. I assert that this account is inaccurately reported, and it must be removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ), the credit reporting agencies and furnishers of information, such as Global Lending Services, are required to provide accurate information and ensure it is properly verified when a dispute is raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Last week I paid and settled with capital one bills and I asked them to remove them off my credit they refuse after this debt was charged and written off as lost and I paid the settled amount and they said they would remove off my credit but they didn't and it's othe collections agengencies trying to ruin my name and credibility to my name after they keep changing the trade lines on dwbt that they got for profit and my name was compromised I dont know if they hve me mixed up with someone else with a XXXX  I don't even have a middle name and all those different dates n debt is not mines and I want it removed its been some over 6 years and they XXXX changing the trade lines with different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
The email was from this company, and the persons name was XXXX. 

Ive checked my credit report and Ive never had this credit card that they say I owe on. 

This is the email I received : You currently owe {$610.00} to XXXX XXXX XXXX. 
You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

XXXXXXXX XXXX XXXX XXXX. was the original creditor. When your debt was overdue, XXXXXXXX XXXX XXXX XXXX. sold the debt to XXXX XXXX XXXX who currently owns this balance. XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. That's how you got to us.

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our XXXX XXXX will assist you. 
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 
Please read below for important disclosures.

Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( XXXX XXXXXXXX ) between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

Company response to consumer: Closed with explanation