vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
The reason for my dispute is that the information being reported is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information is either [ inaccurate ] or [ unauthorized ]. Under the FCRA, you are required to ensure that the information reported to credit reporting agencies is accurate, complete, and verifiable. As such, I am requesting that these accounts be removed from my credit report immediately. 

In addition, I would like to bring to your attention that Online Information Services has previously faced legal action for similar violations of the FCRA. For instance, in the case of [ insert case name/number ], Online Information Services was sued for reporting inaccurate or unauthorized information on consumer credit reports. This case underscores the importance of compliance with the FCRA and highlights the potential legal consequences of failing to uphold these standards.

As per my rights under the FCRA, I expect a thorough investigation into this matter and request that the results be provided to me in writing. Please remove the above-mentioned accounts from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX XXXX XXXX. The derogatory information reflected in my credit report maintained by XXXX under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
Account Name : XXXX XXXX XXXX Account XXXX : XXXX : Balance : {$2400.00} : Opened : XX/XX/year> Your agency has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE DELETE THIS ACCOUNT ASAP. 
Dear CREDIT BEAURU, I am writing to formally dispute a charge-off listed on my credit report, which I believe is not mine. The charge-off, listed under the account number [ XXXX ], is inaccurately reflecting on my credit history. 

I have reviewed my credit report and have no knowledge of this account or any relationship with the creditor in question. This charge-off does not belong to me, and I request that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or erroneous information removed or corrected on my credit report. I request that you thoroughly investigate this issue and provide me with confirmation that this charge-off will be deleted from my credit history. 

Please provide a written response confirming the removal of this charge-off, and kindly update my credit report to reflect the correct information. 

If necessary, I can provide any supporting documentation to assist in resolving this matter. Please contact me at [ XXXX ] or [ XXXX ] if you need further information. 

Thank you for your prompt 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 2025-03-09 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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:
XXXX, XXXX, XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-09 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
They claim I owe them for a progressive one policy, yet I still have progressive as an ins company. This is a false claim!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Account should be deleted because its not correct and I requested a 1099 c from them and Ive received nothing. They are reporting it wrong and Im going to sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I recently noticed a fraudulent account has been inserted into my credit report. This account needs to be removed because is a result of identity theft, and I would like to dispute its insertion. Please provide documentation proving the legitimacy of this account. 

XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Amount : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Amount : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
1. FCRA Section 609 ( 15 U.S.C. 1681g ) I have the right to request full verification of all late payments reported on my credit file. If they can not be fully validated, they must be deleted.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are legally required to ensure complete accuracy in their reporting. Any failure to verify late payments or incorrect reporting is a violation of federal law. 
3. FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Late payments older than seven years must be removed. If any of these late payments are beyond the reporting period, they are illegally being reported and must be deleted. 
4. FCRA Section 611 ( 15 U.S.C. 1681i ) Credit bureaus must promptly investigate any disputed item. If the late payment can not be verified with full documentation, it must be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-09 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-03-09 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-03-09 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, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of Equifax Data Attacks. The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted by fraudulent account that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
Account Name : XXXX XXXX XXXX Account XXXX : XXXX : Balance : {$2400.00} : Opened : XX/XX/year> Your agency has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
This complaint is regarding the handling of my credit report dispute. Despite providing clear explanations of the errors in my credit report, Experian has failed to conduct a thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ). The errors I have disputed are significant and have impacted my credit score and overall financial health. However, the investigation process was neither comprehensive nor compliant with the legal obligations Experian has under the FCRA to ensure that all information reported is accurate and complete. 
I have not received any substantial response or update regarding the status of my dispute, nor have I been provided with a detailed explanation of the findings or the steps Experian took to investigate these errors. This lack of follow-up and failure to correct inaccuracies is not only a violation of the FCRA but has also caused unnecessary harm to my creditworthiness. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Please see COMPLAINT ID : XXXX and XXXX for reference to the described errors.

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 2025-03-09 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: LA

Complaint narrative:
I am filing a formal complaint against Transunion Equifax and Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite my efforts to resolve these issues directly with both companies, they have failed to address the inaccuracies in my credit reports, causing significant harm to my financial well-being. 

Violations : Failure to Maintain Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Both Equifax and Experian have reported inaccurate information on my credit reports, failing to follow reasonable procedures to ensure maximum possible accuracy, as required by the FCRA. 
Inadequate Reinvestigation of Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Upon disputing the inaccuracies, both agencies conducted insufficient reinvestigations, neglecting to consider all relevant information provided, in violation of their obligations under the FCRA. 
Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Both agencies have allowed previously deleted inaccurate information to reappear on my credit reports without proper notification, contravening FCRA guidelines. 
Failure to Provide Opt-Out Notices ( 15 U.S.C. 1681b ( e ) ) : Neither Equifax nor Experian informed me of my right to opt out of prescreened offers of credit and insurance, as mandated by the FCRA. 
Supporting Evidence : Copies of my credit reports from Equifax and Experian highlighting the inaccuracies.

Copies of dispute letters sent to both agencies.

Correspondence received from Equifax and Experian regarding my disputes.

Requested Resolution : I request that the Consumer Financial Protection Bureau : Investigate Equifax and Experian for the aforementioned violations.

Compel both agencies to correct the inaccuracies in my credit reports.

Ensure that both agencies implement adequate procedures to prevent future occurrences.

Impose appropriate penalties on Equifax and Experian for their non-compliance with the FCRA.

Conclusion : The negligent practices of Equifa
x and Experian have caused undue hardship, including denial of credit and emotional distress. I urge the Consumer Financial Protection Bureau to take immediate action to enforce compliance with the FCRA and protect consumers from such unfair practices. 

Thank you for your prompt attention to this serious matter. 

Sincerely,

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