vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 

XXXX Account # XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Attempts based on fraudulent and false information by XXXX XXXX XXXX XXXX XXXX XXXX, respectively are being made thru court filings thru XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX false claims of said individual ( XXXX XXXX XXXX not having a lease agmt, which was proven false. As ALL LEASE AGMTS ARE DONE USING AN ELECTRONIC E- LEASING SYSTEM, IN WHICH A COPY OF LEASE AGMT ( S ) CAN NOT BE REVIEWED AND READ FIRST+!!!. BEFORE APPLICANT/RESIDENT CAN FIRST READ, REVIEW OR PRINT A COPY.OF LEASE AGMT.THE WAY THIS VERY E-LEASING SYSTEM IS SET UP, FROM.THE AFOREMENTIONED PROPERTY MGMTS FULLY AWARE OF PERSON ( GILBERT.CRAMPTON ) VACATING AND TURNING KEYS IN BY THE REQD TIME OF XXXX, PAPERS WERE STILL.FILED AGAINST HIM.IN AN ATTEMPT TO COLLECT RENT, WITH FULL.KNOWLEDGE OF THIS PERSON NOT LIVING THERE. BUT RESIDENT XXXX XXXX WHO PROPERTY MGMT CO ARE FALSELY CLAIMING NOT TO HAVE A LEASE.AGMT./THEREFORE NOT CONDIDERED.A RESIDENT, EVEN THOUGH SHE RESIDED I N UNIT FOR 1 YR. WHILE LANDMARK PROPERTIES CONTINUED TO RECEIVE MONIES FR. A PERSON THEY FALSELY CLAIM.TO NOT HAVE A LEASE AGMT., WHILE TRYING TO FRAUDULENTLY ATTEMPTING TO FILE FOR BACK RENT THRU FALSE COURT FILINGS FOR JUDGEMENT FOR BACK RENT NOT OWED AND CAN BE PROOVEN SO.

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 2025-03-30 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 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 disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-30 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: GA

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 disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I signed a joint lease agreement to be a resident of the XXXX XXXX  on XX/XX/XXXX. The length of this lease agreement was for the customary 12 months which would end the initial term on XX/XX/XXXX. As presented on the lease agreement in the Terms of the Lease ; When the initial term ends, the Agreement will automatically renew for successive terms of 12 months, not to exceed 3 consecutive years without a signed renewal document, unless terminated by Paragraph ( 15 ) of this Agreement. 
Once the initial terms of the lease expired on XX/XX/XXXX, I remained in the unit as the lease should have been automatically renewed since I did not give a 60 day notice of vacating which is required under section XXXX ( a ) of the initial lease agreement. To terminate this Agreement, the Tenant must give the Landlord a 60-day written notice prior to the Tenants periodical rental date, prior to the expiration date of this Agreement. If the Tenant does not give the full 60-day written notice, the Tenant shall be liable for rent up to the end of the 60 days for which notice was required and the lease will automatically renew for successive terms of 12 months, not to exceed 3 consecutive years without a signed renewal document. 


As I continued to live in the property after XX/XX/XXXX, I continued to pay the rent amount of {$1200.00} as per the initial terms of the lease agreement signed on XX/XX/XXXX. I was sent a renewal lease offer on XX/XX/XXXX, 3 months after the initial term ended. I DID NOT sign this renewal lease offer because I already agreed and signed to terms on XX/XX/XXXX, which should have been automatically renewed and the arrangement of the renewal lease offer were futile. Another renewal offer was sent on XX/XX/XXXX which has a handwritten antidote that no response was received from the initial renewal offer on XX/XX/XXXX. Additionally, one of the options given were that I will be vacating the apartment and returning the keys no later than XX/XX/XXXX, again a date that has already past. 


The XXXX XXXX  proceeded to increase rent charges to {$1800.00} from {$1200.00} unexpectedly in XXXX. These charges were NOT a written agreement signed by any party. This was done according to the property manager based on now being considered a month to month tenant which was NOT a written agreement signed by any party. The property managers clearly states via email on multiple occasions that they received NO RESPONSE to the renewal lease offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had identity theft and my wallet and phone was stolen, all my information was compromised and was suffering tremendously due to the people involved being extremely dangerous to my well being and my family. I faced extreme financial hardship was a victim and also had no way to defend or protect myself. I was peer pressured against my will and had a lot of inquiries loans and auto and cards maxed and out in a short period of time and I was scammed by people who said they would fix my credit but were in on it too as they were close ties to the people involved in that situation also. I went after the police and they told to do a civil suit but of which was no success to me as I could not gather information or proof on these people as they had my identity and my phone. Not only that but I was also fearful for my life to speak out on such people and it went so bad as to the point I lost my employment, my license was suspended, my bank accounts and savings retirement and everything was XXXX  out or negative. Nobody is able to help me and I honestly don't know what to do anymore besides going to the military but I can't even do that as a doctor has diagnosed me with several XXXX  XXXX  which if true would mean none of this should be on the credit anyways and if false would mean the doctor would lose her license and job which she would never disprove barring me from ever being able to serve in the military also.

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 2025-03-29 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: FL

Complaint narrative:
I had identity theft and my wallet and phone was stolen, all my information was compromised and was suffering tremendously due to the people involved being extremely dangerous to my well being and my family. I faced extreme financial hardship was a victim and also had no way to defend or protect myself. I was peer pressured against my will and had a lot of inquiries loans and auto and cards maxed and out in a short period of time and I was scammed by people who said they would fix my credit but were in on it too as they were close ties to the people involved in that situation also. I went after the police and they told to do a civil suit but of which was no success to me as I could not gather information or proof on these people as they had my identity and my phone. Not only that but I was also fearful for my life to speak out on such people and it went so bad as to the point I lost my employment, my license was suspended, my bank accounts and savings retirement and everything was XXXX  out or negative. Nobody is able to help me and I honestly don't know what to do anymore besides going to the military but I can't even do that as a doctor has diagnosed me with several XXXX  XXXX  which if true would mean none of this should be on the credit anyways and if false would mean the doctor would lose her license and job which she would never disprove barring me from ever being able to serve in the military also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-30 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: PA

Complaint narrative:
XX/XX/XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX, PA Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXXPlease remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Had a equity loan for XXXX and that money got stolen from making credit card payments. It empty my bank account. And my XXXX credit dropped and even after making every payment that my credit score never recovered. Every since then I been struggling as a small business owner. My house went up for XXXX it's been down hill since then 3 months later they where selling my other property at auction. The loan was just sold and now there trying to kick me out the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against LexisNexis for their failure to verify my identity despite my repeated efforts to comply with their verification process. 

I initially contacted LexisNexis to correct inaccuracies in my consumer report. However, when I questioned them about the incorrect information, they suddenly claimed they could not verify my identitydespite previously being able to identify me in matters related to my auto policy and other financial transactions. 

To resolve this, I provided LexisNexis with a copy of my government-issued ID and Social Security card , yet they continue to claim they can not verify me. Their inconsistent handling of my identity is preventing me from correcting errors in my consumer report, which could have negative financial consequences. 

This raises serious concerns regarding their data accuracy, identity verification processes, and potential violations of my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to properly verify me when it benefits themwhile suddenly being unable to do so when I challenge inaccuraciesis unacceptable. 

I request that the CFPB investigate LexisNexis identity verification and reporting practices to ensure they comply with consumer protection laws. Additionally, I seek immediate resolution to my identity verification issue so I can access and correct my consumer report. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inaccurate report on credit. Has been disputed but not removed.

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 2025-03-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inaccurate report on credit. Has been disputed but not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate report on credit. Has been disputed but not removed.

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 2025-03-30 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 formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Type XXXX XXXX XXXX Balance : {$49000.00} Date Opened : XXXXThis request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : 1. 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name.

2. 15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach.

3. 15 USC 1681e ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach.

4. 15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported.

5. 15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately.

I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps is implementing to safeguard my personal information from further misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or XXXX, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within XXXX  days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your 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