vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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 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 2025-03-27 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: TX

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 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 2025-03-27 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
XXXX XXXX opened XX/XX/XXXX in collections and dont know this account Transunion and experian need it gone other account XX/XX/XXXX in collections need off my credit dont know where this came from XXXX XXXX XXXX on Transunion XX/XX/XXXX and Experian and Equifax XX/XX/XXXX {$8900.00} I think my ex wife or someone used this XXXX XXXX Opened on Transunion XX/XX/XXXX Experian and Equifax XX/XX/XXXX Closed XX/XX/XXXX {$1300.00} XXXX XXXXXXXX Opened on Transunion XX/XX/XXXX Experian and Equifax XX/XX/XXXX Closed XX/XX/XXXX {$1000.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$100.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$440.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$440.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$770.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$240.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$290.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$870.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$530.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$170.00} XXXX date opened XX/XX/XXXX need off of my account dont know how it got on there {$200.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$760.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$320.00} XXXX  date opened XXXX need off of my account dont know how it got on there {$640.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$660.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$540.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$540.00} XXXX date opened XX/XX/XXXX need off of my account dont know how it got on there {$2100.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$310.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$740.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$660.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$360.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
XXXX XXXX opened XX/XX/XXXX in collections and dont know this account Transunion and experian need it gone other account XX/XX/XXXX in collections need off my credit dont know where this came from XXXX XXXX XXXX on Transunion XX/XX/XXXX and Experian and Equifax XX/XX/XXXX {$8900.00} I think my ex wife or someone used this XXXX XXXX Opened on Transunion XX/XX/XXXX Experian and Equifax XX/XX/XXXX Closed XX/XX/XXXX {$1300.00} XXXX XXXXXXXX Opened on Transunion XX/XX/XXXX Experian and Equifax XX/XX/XXXX Closed XX/XX/XXXX {$1000.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$100.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$440.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$440.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$770.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$240.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$290.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$870.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$530.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$170.00} XXXX date opened XX/XX/XXXX need off of my account dont know how it got on there {$200.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$760.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$320.00} XXXX  date opened XXXX need off of my account dont know how it got on there {$640.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$660.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$540.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$540.00} XXXX date opened XX/XX/XXXX need off of my account dont know how it got on there {$2100.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$310.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$740.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$660.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$360.00} XXXX  date opened XX/XX/XXXX need off of my account dont know how it got on there {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MA

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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-27 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered a collection account for {$1400.00} reported on my credit report, linked to a debt collection agency pursuing payment for XXXX. I dispute this debt because XXXX filed for bankruptcy in XX/XX/XXXX and ceased operations in XX/XX/XXXX, failing to deliver the orthodontic services like aligners or treatment. 

I had paid for as part of their plan. I made payments to XXXX prior to their closure, but they never completed the promised services, rendering this debt invalid. Additionally, the collection agency never sent me any written notice about this debt before reporting it, which I believe violates federal law. The account was opened with the collector on XX/XX/XXXX, and marked past due as of XX/XX/XXXX, with no prior communication from them. Ive taken no action yet beyond researching my options, as I only recently learned of this through my credit report updated on XX/XX/XXXX. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. I consent to publishing this description after the CFPB has taken steps to remove my personal information, understanding that someone may still be able to identify me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed these accounts with experian and equifax due to the data breech my information was leaked and I am being denied credit cards and loans. 

To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report due to the recent data breach involving your company. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to demand an immediate investigation and permanent removal of any unauthorized accounts or fraudulent inquiries affecting my credit. 

Legal Basis for My Dispute 1. FCRA 605A ( 15 U.S.C. 1681c-1 ) Fraud alerts and security freezes : Due to the data breach, my personal information was compromised, increasing the risk of identity theft. I am demanding that all fraudulent accounts and inquiries be permanently removed.
2. FCRA 611 ( 15 U.S.C. 1681i ) Procedures in case of disputed accuracy : The FCRA requires credit bureaus to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days.

3. FCRA 609 ( 15 U.S.C. 1681g ) Right to disclosure : I request complete documentation on how these accounts were verified, including the method and sources used. If this can not be provided, the disputed accounts must be deleted immediately.

4. FCRA 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of furnishers of information : Any company reporting inaccurate or fraudulent data must correct or remove such data from my file. 

Requested Action Given the legal violations above and the harm caused to my creditworthinessincluding being denied credit cards and loansI demand the immediate and permanent deletion of the following unauthorized accounts and inquiries : Report Number : XXXX inquiries, or inaccurate information ] They have not removed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XXXX XXXX XXXXXXXX ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important 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 2025-03-27 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: TN

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 2025-03-27 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: CO

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 2025-03-27 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: MI

Complaint narrative:
Transunion had been instructed to resolve the issues on my account 90 days ago. Now 4 months later the issue is still not resolved and they are still reporting a false credit card that has 1. Been deleted from all other agencies 2. Has a deletion letter on file 3.Does not belong to me Even while Transunion has a 100 % accurate FICO report they ship choose to report and modify fraudulent files in an act to side with companies.

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 2025-03-27 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:
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