vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX BALANCED {$5600.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXXXXXX BALANCED {$620.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items 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 explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I disputed unauthorized or inaccurate hard inquiries on my TransUnion credit report multiple times since XXXX. TransUnion responded with a generic XXXX XXXX and did not investigate my claims or remove the inquiries. I provided documentation and clearly outlined that these entries were not authorized. 

XXXX and XXXX acknowledged my disputes and removed similar items. TransUnion did not follow FCRA guidelines under 611 ( a ) ( 1 ) ( A ) and 1681i for reinvestigation. This failure directly caused me to be denied a business loan, delaying my ability to become self-employed.

What I want : I am requesting that TransUnion : Remove all disputed inquiries that were not properly verified Send me a corrected credit report Comply with the legal reinvestigation and permissible purpose standards under the FCRA I am a member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I am submitting this complaint to ensure compliance, correct reporting, and further documentation of harm.

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 2025-04-10 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I opened a phone line with XXXX 8 years ago and they sold my information to portfolio recovery without my consent theyre trying to get {$460.00} from me when the original amount was about {$200.00}. 
And the other company that I would like to report is XXXX XXXX XXXX {$610.00} another company sold my information to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$210.00} XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$210.00} XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
Subject : Formal Cease and Desist Demand and Notice of Intent to Sue under FCRA 1681n and 1681o To Whom It May Concern, I, XXXX XXXX XXXX, am writing to serve formal notice of cease and desist regarding the continued collection, reporting, and dissemination of false and harmful credit information in my consumer report. This letter is to put you on legal notice that you are in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. 1681n and 1681o, due to : 1. Failure to investigate disputed information as required under 15 U.S.C. 1681i ; 2. Failure to maintain reasonable procedures to ensure accuracy as mandated by 15 U.S.C. 1681e ( b ) ; 3. Ongoing reporting of inaccurate, incomplete, and harmful data even after formal disputes were raised ; 4. Negligent and/or willful noncompliance with FCRA resulting in provable financial and emotional harm.

Specific Harms & Damages Incurred : Denial of credit and housing opportunities ; Higher interest rates and adverse lending decisions ; Emotional distress due to reckless reporting and failure to correct ; Loss of reputation and diminished financial trustworthiness.

Legal Demand : Pursuant to my rights under the FCRA, I hereby demand the following : 1. Permanent removal and cessation of all reporting of any credit information associated with me across your systems and any third-party vendors.

2. Written confirmation of the removal within 30 days from the receipt of this letter.

3. Compensation for actual and statutory damages, including attorneys fees and legal costs associated with your violations, as outlined under 15 U.S.C. 1681n and 1681o.

4. Disclosure of all third parties to whom you have furnished any incorrect or disputed information.

Failure to Comply : If your offices do not respond to this demand within 30 days, or if you continue to disseminate my information without lawful basis, I will initiate formal civil proceedings in either state or federal court, seeking : Actual damages ; Statutory damages of up to {$1000.00} per violation ; Punitive damages where applicable ; Injunctive relief ; and Attorneys fees and court costs.

This is not an idle threat. It is a legal necessity in response to your disregard of federal protections guaranteed to me under the FCRA.

Preserve All Records : You are hereby instructed to preserve all records related to my file, disputes, internal investigations, and communications to ensure no spoliation of evidence occurs. 



Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I am filing a complaint against Best Egg in relation to a personal loan ( {$36000.00} ) that was charged off, but for which I never received a 1099-C ( Cancellation of Debt form ), as required by the IRS for discharged debts of {$600.00} or more.

The loan in question was charged off, and based on the amount, Best Egg is legally required to issue IRS Form 1099-C to report the canceled debt. However, I did not receive any such form for the year the debt was charged off, nor was I given any notification that the debt was canceled or forgiven. 

This omission creates a serious issue for my tax reporting obligations and leaves me vulnerable to penalties or audits due to underreported income. I have attempted to contact Best Egg for clarification, but I have not received a satisfactory response or resolution. 

I respectfully request that the CFPB investigate this matter and ensure that : Best Egg provides the required 1099-C form immediately ; A proper explanation is given for why the form was not issued in the first place ; Best Egg follows IRS and CFPB regulations for consumer disclosures going forward.

Thank you for your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-04-10 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2025-04-10 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have repeatedly aske asked Hunter Warfield for documentation proving that I owe an alleged debt and they will not send what I am requesting. Hunter Warfield uses terms such as " clients '' as if they are attorney representing a debt collector. 15 USC 1692e ( 3 ) states that a debt collector may not use false, deceptive, or misleading representation or means in collection of any debt. Below is a letter with specific documentation that I have requested : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Cease and Desist Demand and Request for Proof of Ownership and Documentation To Whom It May Concern : This letter serves as a formal Cease and Desist demand regarding any and all collection attempts, communications, credit reporting activity, or use of my personal information by Hunter Warfield , Inc . 
I dispute the validity of any alleged debt you claim to be attempting to collect in association with my identity. I have not entered into any agreement with your company and did not authorize the use, transfer, or acquisition of my personal information. 
You are hereby demanded to immediately cease and desist from any further contact or action related to this alleged debt unless and until you can provide the following documentation : 1. A full and complete purchase agreement or contract between Hunter Warfield and your client that clearly shows you have legal ownership or rights to collect the alleged debt, including assignment details. 
2. Original copies not summaries or reproductions of all documents you have collected in connection to this alleged account, including but not limited to : o Any contracts or agreements bearing my signature, o Billing statements, o Account activity records, o Communications from the original creditor, and o Any other documentation that purportedly supports your claim.

Until such documentation is provided, you are to refrain from contacting me, reporting to any credit bureau, or sharing my information in any manner. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws related to identity theft and unauthorized data use. 
You have 30 days from receipt of this letter to fully respond. Silence or failure to provide the requested proof will be taken as confirmation that you are unable to verify the debt or your authority to collect it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was a cardholder of the XXXX Card, issued by XXXX XXXX, and I believe I was negatively impacted by the poor servicing practices that the Consumer Financial Protection Bureau cited in its XX/XX/year> enforcement action. Specifically, I experienced issues with [ insert brief summary e.g., interest charges being applied despite enrolling in an interest-free payment plan or delayed resolution of billing disputes or incorrect negative reporting to credit bureaus adapt to your experience ]. 

According to the CFPBs action, XXXX XXXX was ordered to pay {$19.00} XXXX in consumer redress and a {$45.00} XXXX civil penalty. I have not received any redress or notification, even though my situation aligns with the described misconduct. I believe I should have been included in the redress process and would like this complaint to prompt a review of my account history and eligibility. 

I have attempted to resolve this directly with XXXX XXXX but did not receive a satisfactory response. I am requesting that the CFPB assist in ensuring that I receive appropriate redress and that XXXX XXXX formally reviews my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-10 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-10 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: GA

Complaint narrative:
I get inquiries on my credit that I didn't make. I call Transunion and they tell me that they can't delete it. Please, I appreciate it if you could delete that. I didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I get inquiries on my credit that I didn't make. I call Transunion and they tell me that they can't delete it. Please, I appreciate it if you could delete that. I didn't do it.

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 2025-04-10 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX balanced {$600.00} XXXX XXXX XXXX XXXXXXXX balanced {$900.00} XXXX XXXX XXXX XXXXXXXX balanced {$170.00} XXXX  ( Original Creditor XXXX ) XXXX Balance Owed : {$590.00}

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