vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: LEXISNEXIS
State: MD

Complaint narrative:
This company have cause me problems getting a loan and car insurance because of incorrect information they are giving companies about me. In XX/XX/XXXX XXXX rote them to block giving out any information to anyone and they still doing it. 
XX/XX/XXXX they gave XXXX XXXX  a list of accidents they have on my report and was denied car insurance. I havent have an accident form XXXX, they did the same thing in XX/XX/XXXX with XXXX XXXX and they canceled me. 

On XX/XX/XXXX I filled out a form on the companies website to get a the report they are giving out to these companies and on XX/XX/XXXX they sent me a letter that makes nose sense, I have tried calling and no customer services to help all messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I have requested under the fair debt reporting Act title 15 Sub Sec 6802, 1692, 1601 that they remove the information from credit report that is not mine reporting on the report. Also requested from the furnisher to provide the necessary agreements that obligated me to perform in anyway and or gave them the right to furnish the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft. There are XXXX accounts listed on my report that are incorrect. On the exact date of XX/XX/XXXX there was a " XXXX XXXX '' account opened with an open balance of {$440.00}. On the exact date of XX/XX/XXXX there was a " XXXX XXXX XXXX '' account that was opened and listed on my credit report with a balance of {$1600.00}. On the exact date of XX/XX/XXXX there was an account opened by the name of " XXXX XXXX XXXX '' with a reported balance of {$23000.00}. The highest being {$34000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I have been a victim of identity theft. There are XXXX accounts listed on my report that are incorrect. On the exact date of XX/XX/XXXX there was a " XXXX XXXX '' account opened with an open balance of {$440.00}. On the exact date of XX/XX/XXXX there was a " XXXX XXXX XXXX '' account that was opened and listed on my credit report with a balance of {$1600.00}. On the exact date of XX/XX/XXXX there was an account opened by the name of " XXXX XXXX XXXX '' with a reported balance of {$23000.00}. The highest being {$34000.00}.

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 explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Reporting Agency Such as XXXX Transunion and XXXX are reporting inaccurate information Outdated information and data inconsistency all address are outdated Companies such as XXXX XXXX  which has duplicate accounts which is paid off and closed are reporting Outdated information inaccurate information Company Such as XXXX XXXX are reporting Outdated information and addresses data inconsistency

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 2025-01-29 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: GA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Reporting Agency Such as Equifax XXXX and XXXX are reporting inaccurate information Outdated information and data inconsistency all address are outdated Companies such as XXXX XXXXXXXX which has duplicate accounts which is paid off and closed are reporting Outdated information inaccurate information Company Such as XXXX XXXX are reporting Outdated information and addresses data inconsistency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Subject : Formal Dispute of Unauthorized Hard Inquiries Violation of 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute unauthorized hard inquiries on my credit report, which lack permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. On XX/XX/XXXX, I reviewed my credit report and identified the following inquiries made without my consent or valid legal basis : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I confirm that I did not apply for credit, authorize these entities to access my report, or have an existing account/relationship with them. These inquiries violate 1681b, which requires permissible purpose for accessing consumer reports.

Requested Action : Immediately delete these inquiries from my credit report.

Conduct an investigation per 1681i and provide a written response detailing corrective actions.

Attached is evidence supporting my claim, including : Copies of my credit report highlighting the disputed inquiries.

Documentation confirming no prior authorization or accounts with the listed entities.

Please correct this inaccuracy within 30 days as required by law. Additionally, provide an updated credit report and confirmation of deletion. 

CC : Consumer Financial Protection Bureau ( CFPB ) | Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Report Number 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to address an issue with my monthly rent payment reporting to XXXX. I have been using the BILT card to pay my rent, but I have noticed that the XXXX card company inconsistently reports their name to credit bureaus like XXXX. This inconsistency prevents me from having three consecutive months reported under the same lender, making it impossible for XXXX to recognize the consistency in the lender 's name. As a result, I am unable to participate in XXXX 's Boost program. I kindly request that all my payments be reported accurately and consistently, reflecting the correct lender name each month. This change should be applied retroactively to ensure my payment history is correctly represented, allowing me to benefit from the Boost program. Thank you for your attention to 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 2025-01-29 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: CA

Complaint narrative:
Equifax is in violation of 15 USC 1681 ( I ). I am demanding Equifax to investigate the accuracy of this account I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: World Acceptance Corporation
State: IN

Complaint narrative:
Called world finance to get a 1099c form since my debt was charged off. They told me they never sent one to the irs or even sent me a form so I could claim it on my taxes. Told me they couldnt send me one since my debt was charged off. I asked multiple times. Told them if my debt was charged off I should have been sent a 1099c form. Spoke with a manager who told me they wouldnt send me one. They told me unless I pay the balance they wouldnt send me a 1099c form. I told them if you have charged it off as bad debt, your supposed to send me 1099c form and send it witch they didnt do either one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXt I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item ( s ) as it is incorrect and does not reflect my true credit history.

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 2025-01-29 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: GA

Complaint narrative:
Here is the translated text in XXXX : I am contacting you to dispute inaccurate information on my credit report under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with its duties.

After reviewing my credit report provided by [ XXXX XXXX XXXX XXXX have identified information that I believe is inaccurate and must be investigated and removed immediately. 

Under the FCRA, you are required to ensure that the information reported is accurate and verifiable. Upon receiving this letter, I request that you promptly investigate this matter and correct any errors found. I also request that you remove any unverifiable information from my credit report and notify me of the results of your investigation within the legal 30-day timeframe.

It is important to note that under 15 USC 1681 ( o ), credit bureaus can be held civilly liable for negligence if they fail to comply with their legal obligations. If this matter is not resolved appropriately, I reserve the right to take the necessary legal action to protect my rights and my credit history.

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 2025-01-29 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: GA

Complaint narrative:
Here is the translated text in XXXX : I am contacting you to dispute inaccurate information on my credit report under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with its duties. 

After reviewing my credit report provided by [ XXXX XXXX XXXX XXXX have identified information that I believe is inaccurate and must be investigated and removed immediately. 

Under the FCRA, you are required to ensure that the information reported is accurate and verifiable. Upon receiving this letter, I request that you promptly investigate this matter and correct any errors found. I also request that you remove any unverifiable information from my credit report and notify me of the results of your investigation within the legal 30-day timeframe.

It is important to note that under 15 USC 1681 ( o ), credit bureaus can be held civilly liable for negligence if they fail to comply with their legal obligations. If this matter is not resolved appropriately, I reserve the right to take the necessary legal action to protect my rights and my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
Here is the translated text in XXXX : I am contacting you to dispute inaccurate information on my credit report under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with its duties. 

After reviewing my credit report provided by [ XXXX XXXX XXXX XXXX have identified information that I believe is inaccurate and must be investigated and removed immediately. 

Under the FCRA, you are required to ensure that the information reported is accurate and verifiable. Upon receiving this letter, I request that you promptly investigate this matter and correct any errors found. I also request that you remove any unverifiable information from my credit report and notify me of the results of your investigation within the legal 30-day timeframe.

It is important to note that under 15 USC 1681 ( o ), credit bureaus can be held civilly liable for negligence if they fail to comply with their legal obligations. If this matter is not resolved appropriately, I reserve the right to take the necessary legal action to protect my rights and my credit history.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Dispute of Inaccurate Information Under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 1681o. After reviewing my credit report, I have identified the following items that I believe are incorrect : Item ( s ) in Dispute : [ List the specific account ( s ) or item ( s ) you are disputing, including the creditor 's name, account number, and the nature of the dispute, e.g., inaccurate reporting of payment history, incorrect balance, fraud, etc. ] I request that you investigate the accuracy of this/these item ( s ) and remove or correct any errors found. Under the FCRA, you are required to investigate and resolve my dispute within 30 days.

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 2025-01-29 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: AL

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the Experian, XXXX and the Trans XXXX credit reporting agencies , 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 personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a copy of your consumer credit report showing the inaccuracies. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Information is incorrect Incorrect addresses and employment

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