vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I was a victim of identity theft these account where open in my name using my id and ssn card. 

XXXX XXXX XXXXXXXX JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and multiple inquires were established when someone tired to open accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
I am making this dispute because my Trans Union credit report is not 100 % accurate. There are several inaccurate items reporting on my credit report. Please see attached notice.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided. I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and 3. An FTC Identity Theft Report. Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. Under California law, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
There are several things on my credit report that are from companies that I do not know ( LVNV, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ) I was never notified that any of my accounts were being sold to these companies as I am not even sure what accounts they are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I booked travel through Capital One Travel. Since they did not pass on my contact information to the hotel, the hotel was unable to send me my check-in information and I was unable to check-in the first night. I contacted both parties and they both agreed that I should be refunded but both said the other party should have to refund me. I then disputed the charge with the credit card company, Capital One. They rejected the dispute, as well as my appeal with supporting information. They did not address the substance of my dispute at all, I received a form letter with the reason filled in as " goods were as described and received in good condition '', which, given that I was disputing a charge for a service, suggests that they didn't even have a human read what I wrote.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 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: NV

Complaint narrative:
The following items are not mine i never had any business with these creditors i request immediate permanent and all future blockings from all credit reporting agencies. 

This is the letter that was sent to all credit agencies as well as a validation i requested with a wet original signature they failed to provide. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 2. 1. Validation of the debt-that is, the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you cant provide these items Delete

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.This account is not on any other credit report. I have disputed this account over 3 times. Each time, I did not receive a response. It's been over 90 days. They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: LA

Complaint narrative:
A dispute was filed with all 3 credit bureaus for reporting inaccurate information. The dispute results were returned with the information marked as verified in less than 10 business days, and it is clear that a thorough investigation was not conducted. I am entitled to fair & accurate reporting in compliance with 15 U.S.C. 1681 et seq., & it is clear that these regulations were not upheld.

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 2025-01-11 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: LA

Complaint narrative:
A dispute was filed with all 3 credit bureaus for reporting inaccurate information. The dispute results were returned with the information marked as verified in less than 10 business days, and it is clear that a thorough investigation was not conducted. I am entitled to fair & accurate reporting in compliance with 15 U.S.C. 1681 et seq., & it is clear that these regulations were not upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive attached a sampling of how experian hub than that. 

Namely, my amount of accounts shows XXXX open in score breakdown, but only XXXX that are all in good standing ( mortgage, car, one secure card, and two small student loans ) but it is referenced by other creditors as the reason for denial of credit. 

Also, the breakdown of my " poor '' score. 
Also, multiple places that things are reported very differently, and how that is affecting the breakdown of what goes into a " poor '' score rating.

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 2025-01-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Previously, I attempted to contact the 3 credit bureau agencies and company to fix this problem with no success. I asked them to produce proof of the investigation and was denied.

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 2025-01-11 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-11 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: NY

Complaint narrative:
I am writing to dispute the following items on my credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
I am writing to dispute the following items on my credit report. 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 2025-01-11 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Address : XXXX XXXX XXXX XXXXXXXX MA XXXX XXXX XXXX XXXX, XXXX, MA XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
Sincerely, 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 2025-01-11 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : ** Dispute of Inaccurate Information and Unauthorized Inquiries Dear CFPB, Im writing to dispute inaccurate information and unauthorized credit inquiries on my credit report.

1. **Inaccurate Information** : There are some entries on my report that I do not recognize or that are incorrect. I believe these should be removed or corrected.

2. **Unauthorized Inquiries** : There are credit inquiries listed that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), inquiries should only appear with my permission, and these should be removed. 

Please investigate these issues and help ensure my credit report is accurate. If you need any more information from me, please let me know. 

Thank you, 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 2025-01-11 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies and incomplete information appearing on my credit report as of [ Report Date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information you maintain. Below are the specific inaccuracies I have identified : XXXX. **Duplicate Reporting of Collection Accounts** : - The account listed under XXXXXXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX  ( Account Number : XXXX ) appears with inconsistent balances and statuses across reports. These discrepancies require immediate review and correction. 

XXXX. **Disputed Accounts with Unresolved Issues** : - Several accounts, including XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ), show unresolved disputes in their remarks but have not been corrected or verified. Please conduct a complete investigation into these accounts and provide verification. 

XXXX. **Charge-Off Details** : - The charge-off for XXXX XXXX XXXX ( Account Number : XXXX ) is reported with varying balances and statuses across different dates. Ensure the reported information aligns with the original creditors records. 

4. **Date Inconsistencies** : - The " Date Opened '' and " Date Updated '' for the XXXX XXXX XXXX  XXXX ( Account XXXX : XXXX ) account and others are inconsistent across the reports. This misrepresentation affects the validity of the data. 

XXXX. **Missing Payment History** : - Certain accounts, including XXXXXXXX XXXX XXXX ( Account Number : XXXX ), lack complete or updated payment histories, violating accuracy standards required under the FCRA. 

XXXX XXXX XXXX  Supporting Documents : I have enclosed the following documents to assist your investigation : - Copies of my credit reports from Experian, XXXX, and XXXX - Any additional documentation from the original creditors, if applicable. 

# # # Action Requested : 1. Investigate the discrepancies outlined above.

2. Correct any inaccurate or incomplete information.

3. Provide me with an updated and accurate copy of my credit report.

4. Notify any creditors or third parties that received inaccurate information within the last six months of these corrections.

I expect a response within the 30-day timeframe outlined in the FCRA. If you require additional information, please contact me directly using the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, \ 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