vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: DC

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX New XXXX XXXX XXXX XXXX XXXX BSMT Washington, XXXX XXXX Thanks, XXXX XXXX XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$780.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Amount Opened : XX/XX/XXXX Account name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX name : XXXX Consumer Amount Opened XXXX XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX XXXX : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened XXXX XX/XX/XXXX XXXX name : XXXX Auto Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : Market XXXX XXXX XXXX  Amount Opened : 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 2025-03-14 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: NJ

Complaint narrative:
I am filing a formal complaint against Equifax, and XXXX for reporting a dismissed Chapter XXXX bankruptcy on my credit report that does not belong to me. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and damaging to my credit profile. 

Key Issues : Incorrect Bankruptcy Reporting This Is Not My Bankruptcy My credit report is showing a dismissed Chapter XXXX bankruptcy ( Case # XXXX, filed on XX/XX/XXXX, in the XXXX Bankruptcy XXXX XXXX New Jersey ). 
I have never filed for bankruptcy. This information is completely inaccurate and not associated with me. 
The presence of this false bankruptcy is severely affecting my credit score and financial opportunities. 
Failure to Properly Investigate Violation of 15 U.S.C. 1681i ( FCRA Duty to Investigate Disputes ) I have previously disputed this bankruptcy, but the credit bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The bureaus continue to report this bankruptcy without verifying its accuracy, violating their legal obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Failure to Provide Proper Documentation Violation of 15 U.S.C. 1681b & 1681g When I requested proof that this bankruptcy is mine, none of the credit bureaus were able to provide any supporting documents directly linking me to this case. 
Under the FCRA, credit bureaus must provide accurate and verifiable information, yet they failed to confirm any evidence that I was involved in this bankruptcy case. 
Severe Negative Impact on My Credit XXXX XXXX bankruptcy is XXXX of the most damaging items that can appear on a credit report. 
Due to this false bankruptcy, I have faced credit denials, higher interest rates, and financial hardship for something I was never involved in. 
Legal Precedent Supporting This XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court ruled that credit bureaus must conduct an independent, reasonable investigation when a consumer disputes an item. 
XXXX, XXXX, and Equifax have failed to verify this bankruptcy properly, violating their legal responsibilities. 
XXXX v. Equifax XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Mich. XXXX ) The court found that reporting false public records without proper verification is an FCRA violation. 
The credit bureaus must ensure the accuracy of public records, including bankruptcies. 
XXXX XXXX Equifax Information Services, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Equifax was found liable for failing to update inaccurate public records, such as court filings and bankruptcies. 
The same negligence is occurring in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: 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, 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 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My correct name and correct address are not appearing on my credit reports. I have reached out to Experian, Equifax, and TransUnion to correct these concerns, they have not made contact with me. 

I was just declined for an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All credit agencies are reporting the incorrect name, address, and date of birth. I do not want to go through the round and round with all of these agencies.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My correct name and correct address are not appearing on my credit reports. I have reached out to Experian, Equifax, and TransUnion to correct these concerns, they have not made contact with me. 

I was just declined for an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All credit agencies are reporting the incorrect name, address, and date of birth. I do not want to go through the round and round with all of these agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-14 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 checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the Trans Union, the songXXXX and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to 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 explanation
Consumer complaint received 2025-03-14 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the songXXXX and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Complaint Against ChexSystems for Failure to Provide Consumer File Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX ( Preferred Contact : Email or Mail Only ) Complaint Date : XX/XX/year> Company Involved : ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Issue : I submitted a request to ChexSystems on XX/XX/year>, for a complete copy of my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. To date, I have not received my file, which is a direct violation of federal law.

I am legally entitled to receive my full consumer file, including : All records ChexSystems maintains under my name.

A list of all entities that have accessed my report within the last five years. 
Any negative information that may be impacting my file.

A complete history of all actions related to my consumer report.

Relevant Laws Violated : 15 U.S.C. 1681g ( Right to Consumer File Disclosure ) : Failure to provide my complete consumer file as required by law.

15 U.S.C. 1681e ( Accuracy of Consumer Reports ) : If any information in my report is inaccurate, unverifiable, or outdated, ChexSystems must correct or remove it.

15 U.S.C. 1681b ( Permissible Purpose ) : I have not provided explicit consent for third parties to access my consumer file. ChexSystems must disclose who has accessed it and why.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act.

To facilitate this process, I require the following documentation : 1. **Date of First Activity** : The date the account was initially opened or the debt originated.

2. **Date of Last Activity** : The most recent date of any transaction or communication regarding this debt.

3. **Date of Last Payment** : The date on which the last payment was made towards the debt. 
4. **Account Number** : The specific account number associated with the debt in question.

5. **Current Account Balance** : The total amount owed as of the date of this letter.

6. **Status of the Account** : A clear indication of whether the account is active, closed, disputed, etc.

7. **Chain of Command or Custody** : Documentation proving the ownership and transfer of the debt, including any assignments or sales.

8. **Proof of Ownership** : Evidence that your organization currently owns the debt and has the right to collect on it. 9. **Proof of Collection Rights** : Doc
umentation that demonstrates your authority to collect on this debt.

10. **Copies of Signatures** : Signed agreements from all parties involved in the original transaction and any subsequent assignments.

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly.

Thank you for your attention to this issue. I look forward to your timely response.

Sincerely, P.S. I have been contacted by several companies about this alleged debt not sure who it belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-14 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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