vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems Inc. was reported on my credit report XX/XX/2024 with an amount of {$1700.00} owed. This account is fraud. I already filled out a FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Date Subject : Dispute of Inquiries on My Credit Report ( 15 U.S.C. 1681 ) Dear Sir/Madam, I am writing to formally dispute certain inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any unauthorized, incorrect, or inaccurate information, including inquiries that may not have been authorized or were made in error. 
The following inquiries appear to be either unauthorized or inaccurate : XXXX. XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Inquiry Type : Auto loan. 
Scheduled to remain on record until : XX/XX/XXXX. 
2. XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
3. XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
4. XXXX Inquired on : XX/XX/XXXX po box XXXX, XXXX, XXXX XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
I request that you thoroughly investigate these inquiries in accordance with 15 U.S.C. 1681 and remove any unauthorized, incorrect, or unverifiable inquiries from my credit report. If these inquiries can not be verified, I request that they be deleted from my file and no longer reflected on my credit history.

Please send me written confirmation of your investigation and any updates regarding the status of these inquiries. I would also appreciate a copy of my updated credit report once this issue has been resolved. 
Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: OneMain Finance Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inquiries on My Credit Report ( 15 U.S.C. 1681 ) Dear Sir/Madam, I am writing to formally dispute certain inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any unauthorized, incorrect, or inaccurate information, including inquiries that may not have been authorized or were made in error.

The following inquiries appear to be either unauthorized or inaccurate : XXXX. XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Inquiry Type : Auto loan. 
Scheduled to remain on record until : XX/XX/XXXX. 
XXXX. OneMain  Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
XXXX. XXXX XXXX Inquired on : XX/XX/XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
XXXX. OneMain  Inquired on : XX/XX/XXXX po box XXXX, XXXX, XXXX XXXX XXXX XXXX : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
I request that you thoroughly investigate these inquiries in accordance with 15 U.S.C. 1681 and remove any unauthorized, incorrect, or unverifiable inquiries from my credit report. If these inquiries can not be verified, I request that they be deleted from my file and no longer reflected on my credit history.

Please send me written confirmation of your investigation and any updates regarding the status of these inquiries. I would also appreciate a copy of my updated credit report once this issue has been resolved.

Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I spoke with the SSA, CFPB, Transunition credit department before creating this report. Transunion support team told me that they found someone else 's details on my SSN and so they can not put credit freeze on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: WA

Complaint narrative:
XX/XX/XXXX : I disputed a collection account with Experian, claiming it was illegally created and contains false information. Experian responded with automated letter with little to no information about my dispute. 

XX/XX/XXXX : I requested evidence and documentation of the investigation, but Experian responded only with a copy of my report with no information about my dispute. 

XXXX - XX/XX/XXXX : I requested validation and evidence from the debt collector responsible for the account ; The collection account company did not respond. 

XX/XX/XXXX- XX/XX/XXXX : I again disputed and requested evidence from Experian and again received the same letters as before, with little to no information about my disputes or the investigation that allegedly took place. 

XX/XX/XXXX : I submitted a third request for evidence from Experian and once again received the same automated response letter and then a subsequent letter asking for verifying identification material that had already been submitted with my disputes. 

Basically, whenever I make a dispute on the account reporting false information, Experian does not respond or investigate in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

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 2025-02-03 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:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
XXXXXXXX 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 XXXX XXXX XXXX XXXX {$710.00} I have asked for validation of these items from the 3 major credit reporting agencies, ( Experian, Equifax and Transunion ). I believe these entries have not been properly investigated as required under Fair Credit Reporting Act. These Credit reporting agencies ( Experian, Equifax and Transunion have failed to properly conduct investigations into my consumer disputes. All 3 credit reporting agencies ( Experian, Equifax and Transunion ) have not provided me with detailed and/or type of investigation that was to have been conducted. There are no detailed reports provided. These sham investigations reflect a concerning pattern of non-compliance and negligence, which directly affects the integrity of the dispute process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: PA

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and i am personally writing this complaint under distress. My credit report reflects negative because of improper reporting from all three credit bureaus. TransUnion, Equifax, and Experian are reporting accounts and collections on my credit report that is inaccurate and do not belong to me. I have contacted them several times over the phone and they refuse to investigate and help me remove these accounts. I ask to speak to XXXX and i am placed on hold for far too long and sometimes loose connection from the wait. I am super stress and sad because of this. I am an old man and trying to get my life together and my credit and i am denied automatically bevues of these negative accounts being reported on my consumer report. Please help me as i have exhausted all my remedies for this credit 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 2025-02-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and i am personally writing this complaint under distress. My credit report reflects negative because of improper reporting from all three credit bureaus. TransUnion, Equifax, and Experian are reporting accounts and collections on my credit report that is inaccurate and do not belong to me. I have contacted them several times over the phone and they refuse to investigate and help me remove these accounts. I ask to speak to XXXX and i am placed on hold for far too long and sometimes loose connection from the wait. I am super stress and sad because of this. I am an old man and trying to get my life together and my credit and i am denied automatically bevues of these negative accounts being reported on my consumer report. Please help me as i have exhausted all my remedies for this credit matter.

Company response to consumer: Closed with non-monetary relief