vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX BANK XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
As of XXXX XXXX, XXXX, I become aware I am a victim of identity theft. I obtained a free credit report and noticed address, phone and email that doesn't belong to me. I am unable to regain my Experian account to manage my credit. The text verification display the number I entered but after a dozen tries, I never received the text. There is nothing wrong with me phone or text. Without getting the text I am unable to do 'forget username ' or 'forget password '. NOTHING WORK. Try calling the XXXX XXXX XXXX XXXX number, the auto system REFUSE to transfer to the XXXX XXXX ' for help. There are XXXX new credit created under my name and I didn't open any of them. I already call experian to freeze my credit report, however, since the hacker has my account, it a just a click away to unfreeze the credit report at no time. Experian is guilty of facilitating the crime by now making the fraud team accessible via the phone. Tell me to go online and deal with it. I can't since I was denied account access at Experian. I already file a Federal Trade commission and a police report. 

There over a dozen of credit inquiries conducted by the hack against my SSN. Without talking to a live person in the Fraud team, there is no end to it. 

I NEED HELP ASAP!

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 2025-02-25 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-25 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-25 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have contacted the company numerous times, and they have yet to return to me with any information.

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 2025-02-25 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: FL

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 2025-02-25 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
On XX/XX/XXXX, I entered into an auto lease for a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX, a verified 501 ( c ) ( 3 ) nonprofit organization. The loan was processed entirely as a business transaction, with XXXX requesting and receiving proper business documentation including nonprofit verification. 

When signing the lease agreement, I included " All Rights Reserved '' under Texas XXXX XXXX Section XXXX, explicitly preserving my rights and indicating my intent to maintain separation between the nonprofit business obligation and my personal credit. 
Despite processing this as a business loan, XXXX has reported this obligation on my personal credit report. This has severely impacted my ability to utilize my VA loan benefits as a XXXX veteran and obtain housing. 

On XX/XX/XXXX, I contacted XXXX 's Credit Bureau XXXX to dispute this reporting. Representative XXXX from Credit Bureau XXXX admitted that : XXXX " doesn't report to XXXX XXXX, only personal credit report '' This policy wasn't disclosed during loan origination Chase can not provide written policies regarding business vs. personal credit reporting When escalated, Supervisor XXXX  ( ID : XXXX ) further confirmed : The loan was processed as a business account Their policy is to report all co-signers personally, without distinction for nonprofits They refuse to provide written policies to customers They acknowledged that credit bureaus confirmed XXXX has the ability to correct this reporting but chooses not to This improper reporting violates several legal standards : Fair Credit Reporting Act ( accurate reporting requirements ) Equal Credit Opportunity Act ( distinction between business/personal credit ) Internal Revenue Code Section 501 ( c ) ( 3 ) ( separation between nonprofit and personal obligations is mandatory ) Texas Business Code Section 1.308 ( reservation of rights at signing ) Despite the organization continuing to make payments, XXXX refuses to acknowledge either the improper mixing of nonprofit business and personal credit reporting or to correct their reporting practices. 

The significant impact emerged when I attempted to use my XXXX  loan benefits for housing and discovered I was unable to qualify due to this business obligation being reported on my personal credit. As a disabled veteran, this has severely impaired my ability to access earned benefits.

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 2025-02-25 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: NE

Complaint narrative:
Hello, I have tried XXXX times to remove an incorrect therefore fraudulent account from my credit profile. Please remove these from my co credit report. 
Records indicate I was impacted by the data breach and as far as the law goes I have the rights to dispute all incorrect accounts on my credit. These are the items I am asking to have removed. XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not correct and I do not recognize this account, it's fated in XXXX  for {$2700.00}. Also hard inquiries XXXX XXXX XXXX and XXXX XXXX this was supposed to be a soft pull ONLY! I did not authorize them to do a hard pull due to me only wanting a pre approval letter to see what car I was authorized to purchase.

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 2025-02-25 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Charged upfront or unexpected fees — 
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am writing to formally dispute the debt referenced in your communication, which claims I owe [ amount ] for a student loan ( or other debt ). I believe this debt is either inaccurate or incorrectly attributed to me, and I request that you provide the necessary documentation to verify its validity. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute this debt and request verification. In addition, under 15 U.S.C. 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), financial institutions and debt collectors are required to protect my nonpublic personal information. This law restricts how my personal financial data can be shared or used, and I expect all communication regarding this debt to comply with privacy regulations. 

Please provide the following information to substantiate this debt : XXXX. A detailed statement outlining the original creditors name, loan number, and the balance owed. 
XXXX. A complete breakdown of the debt, including principal, interest, fees, and any other charges. 
XXXX. Proof that I am legally obligated for this debt and that it is rightfully attributed to me. 
XXXX. Any documentation proving that this debt is within the statute of limitations and that it has not been improperly reported or mishandled. 

Additionally, as per 15 U.S.C. 6802, I request that you provide a copy of any privacy notices related to my personal information that you have collected or shared, as well as an explanation of your data-sharing practices. If this debt is associated with any third-party data sharing, I would like to be informed about how my personal data has been used in this process. 

Until I receive the requested verification and documentation, I dispute the debt, and I request that no further collection actions be taken. If this debt is found to be inaccurate or unverifiable, I ask that it be removed from my credit report and that I be notified in writing of its removal. 

Thank you for your attention to this matter. I expect a prompt response in accordance with the legal requirements of the FDCPA and Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX. a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief