vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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: 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: IL

Complaint narrative:
1. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ) The FCRA requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information.

If they just confirmed the account with the original creditor without investigating properly, thats a violation.

2. Failure to Provide You with Results of the Investigation ( 611 ( a ) ( 6 ) ) 3. Failure to Consider Your Documentation ( 611 ( a ) ( 4 ) ) 4. Reporting Inaccurate Information After Being Notified ( 623 ( a ) ( 1 ) ) If the furnisher ( creditor or collection agency ) knows or should know the information is incorrect but continues to report it, theyre in violation.

5. Failure to Note the Account as Disputed ( 611 ( a ) ( 3 ) ) If the account remains on your report without a dispute notation, thats another FCRA violation. All these laws were violated which violates me as a consumer to my rights which is unacceptable please resolve this 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 2025-03-30 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: IL

Complaint narrative:
1. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ) The FCRA requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information.

If they just confirmed the account with the original creditor without investigating properly, thats a violation.

2. Failure to Provide You with Results of the Investigation ( 611 ( a ) ( 6 ) ) 3. Failure to Consider Your Documentation ( 611 ( a ) ( 4 ) ) 4. Reporting Inaccurate Information After Being Notified ( 623 ( a ) ( 1 ) ) If the furnisher ( creditor or collection agency ) knows or should know the information is incorrect but continues to report it, theyre in violation.

5. Failure to Note the Account as Disputed ( 611 ( a ) ( 3 ) ) If the account remains on your report without a dispute notation, thats another FCRA violation. All these laws were violated which violates me as a consumer to my rights which is unacceptable please resolve this matter

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: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Intent to Sue for Credit Reporting Violations Dear Equifax Customer Service, I am writing to formally notify you of my intent to pursue legal action against Equifax due to multiple violations related to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( XXXX ). Specifically, I am addressing the following violations : Failure to Provide Verification Information : I have requested verification of specific accounts reported on my credit report, including a hospital bill in XXXX, Nevada, in which per the new law that was changed in XX/XX/year> regarding hospital bill XXXX being removed from credit reporting accounts and an account associated with XXXX XXXX XXXX, a creditor with whom I have no contractual obligation. Despite my repeated requests, you have not provided the necessary verification information as mandated by 15 USC XXXX and 15 USC XXXX ( a ) ( XXXX ). 

Inadequate Investigation : According to FCRA section XXXX ( a ) ( XXXX ), I am entitled to a reasonable investigation of disputed information. There failure to adequately investigate the aforementioned accounts is a direct violation of this requirement. 

Inaccurate Reporting : I believe that the inaccuracies in my credit report violate 15 USC XXXXe ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Additionally, there actions contravene FCRA sections XXXX ( a ) ( XXXX ), XXXX ( c ), and XXXX, which outline the obligations of reporting agencies regarding the accuracy and integrity of consumer information. 

As I have made multiple attempts to resolve this matter amicably and have not received a satisfactory response, I feel compelled to take this step. I request that you take immediate action to rectify these violations.

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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
" Ally BankXXXX is reporting account XXXX XXXXXXXX as charged off on my credit report with a balance of {$0.00} and a high balance of {$2200.00}. This account was closed on XX/XX/year> and appears to have been transferred to XXXX XXXX XXXX. 
I dispute the validity of this charge-off for the following reasons : Ally Bank failed to issue me a XXXX Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or Ally Bank violated IRS regulations. 
Section XXXXP of the XXXX XXXX CXXXXe requires that financial institutions report discharged debts to both the debtor and the IRS. Ally Bank 's failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
Ally Bank has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement. 
Under the Doctrine of Accord and Satisfaction, if Ally Bank has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
The account shows inconsistent reporting across credit bureaus and contains inaccurate information. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by the FCRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In [ XX/XX/year>2024 ], I discovered a charge-off listed on my credit report from Midland Credit Management . I believe this is an error due to a temporary financial hardship I experienced during that time. I contacted Midland Credit Management to explain my situation and attempted to resolve the issue. Despite this, the account was still charged off, and the reporting date appears to be inaccurate. I am asking for the company to review this matter again, especially given my communication and effort to resolve the debt.

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: IL

Complaint narrative:
This is a formal demand for the immediate deletion of inaccurate and unverifiable late payments appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Metro 2 Compliance, and XXXX XXXX XXXX XXXX ( XXXX ) reporting standards, any late payment that can not be fully verified with complete and accurate records from the original creditor must be deleted immediately. 

Additionally, per XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), you are 100 % liable for reporting inaccurate data, whether received from a furnisher or not. If you continue to report false or unverifiable information, you will be in direct violation of FCRA 1681e ( b ) for failure to maintain maximum possible accuracy and FCRA 1681s-2 ( b ) for willful non-compliance.

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: IL

Complaint narrative:
This is a formal demand for the immediate deletion of inaccurate and unverifiable late payments appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Metro 2 Compliance, and XXXX XXXX XXXX XXXX ( XXXX ) reporting standards, any late payment that can not be fully verified with complete and accurate records from the original creditor must be deleted immediately. 

Additionally, per XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), you are 100 % liable for reporting inaccurate data, whether received from a furnisher or not. If you continue to report false or unverifiable information, you will be in direct violation of FCRA 1681e ( b ) for failure to maintain maximum possible accuracy and FCRA 1681s-2 ( b ) for willful non-compliance.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXXB of the Fair Credit Reporting Act.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/year> I write verified letters to equifax Experian and TransUnion regarding a XXXX on my credit report. I sent them documentation that XXXXXXXX XXXX couldnt verify the information. They disregarded the documentation said they verify with XXXX XXXX did not remove the XXXX from my credit report. I requested the information according to the FRCA *+ 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B and they violated all my rights and they were suppose to get back to me within XXXX tell how they verified and when they could not delete from my credit report.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/year> I write verified letters to equifax Experian and TransUnion regarding a XXXX on my credit report. I sent them documentation that XXXXXXXX XXXX couldnt verify the information. They disregarded the documentation said they verify with XXXX XXXX did not remove the XXXX from my credit report. I requested the information according to the FRCA *+ 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B and they violated all my rights and they were suppose to get back to me within XXXX tell how they verified and when they could not delete from my credit report.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Intent to Sue for Credit Reporting Violations Dear Equifax Customer Service, I am writing to formally notify you of my intent to pursue legal action against Equifax due to multiple violations related to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( XXXX ). Specifically, I am addressing the following violations : Failure to Provide Verification Information : I have requested verification of specific accounts reported on my credit report, including a hospital bill in XXXX, Nevada, in which per the new law that was changed in XX/XX/year> regarding hospital bill XXXX being removed from credit reporting accounts and an account associated with XXXX XXXX XXXX, a creditor with whom I have no contractual obligation. Despite my repeated requests, you have not provided the necessary verification information as mandated by 15 USC XXXX and 15 USC XXXX ( a ) ( XXXX ). 

Inadequate Investigation : According to FCRA section XXXX ( a ) ( XXXX ), I am entitled to a reasonable investigation of disputed information. There failure to adequately investigate the aforementioned accounts is a direct violation of this requirement. 

Inaccurate Reporting : I believe that the inaccuracies in my credit report violate 15 USC XXXXe ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Additionally, there actions contravene FCRA sections XXXX ( a ) ( XXXX ), XXXX ( c ), and XXXX, which outline the obligations of reporting agencies regarding the accuracy and integrity of consumer information. 

As I have made multiple attempts to resolve this matter amicably and have not received a satisfactory response, I feel compelled to take this step. I request that you take immediate action to rectify these violations.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Intent to Sue for Credit Reporting Violations Dear Equifax Customer Service, I am writing to formally notify you of my intent to pursue legal action against Equifax due to multiple violations related to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( XXXX ). Specifically, I am addressing the following violations : Failure to Provide Verification Information : I have requested verification of specific accounts reported on my credit report, including a hospital bill in XXXX, Nevada, in which per the new law that was changed in XX/XX/year> regarding hospital bill XXXX being removed from credit reporting accounts and an account associated with XXXX XXXX XXXX, a creditor with whom I have no contractual obligation. Despite my repeated requests, you have not provided the necessary verification information as mandated by 15 USC XXXX and 15 USC XXXX ( a ) ( XXXX ). 

Inadequate Investigation : According to FCRA section XXXX ( a ) ( XXXX ), I am entitled to a reasonable investigation of disputed information. There failure to adequately investigate the aforementioned accounts is a direct violation of this requirement. 

Inaccurate Reporting : I believe that the inaccuracies in my credit report violate 15 USC XXXXe ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Additionally, there actions contravene FCRA sections XXXX ( a ) ( XXXX ), XXXX ( c ), and XXXX, which outline the obligations of reporting agencies regarding the accuracy and integrity of consumer information. 

As I have made multiple attempts to resolve this matter amicably and have not received a satisfactory response, I feel compelled to take this step. I request that you take immediate action to rectify these violations.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Collection Account Under 15 U.S.C. XXXXb Dear CFPB, I am writing to formally dispute an unauthorized collection account that appears on my Equifax credit report. Upon reviewing my report, I noticed a collection entry from XXXX XXXX XXXX that I did not authorize or recognize. I have never had an account with XXXX XXXXXXXX XXXX nor have I incurred any debt with them that would justify this collection entry. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXb, consumer reporting agencies are permitted to furnish a consumer report only under certain circumstances, such as with the consumers written authorization or for a legitimate business need initiated by the consumer. Since I neither authorized this account nor initiated any transaction with XXXX XXXXXXXX XXXX I believe this constitutes a violation of my rights under the FCRA. I respectfully request that Equifax take the following actions : XXXX. Remove the unauthorized collection account from my credit report. XXXX. Provide the name, address, and contact information of the entity that reported this collection. XXXX. Ensure that this unauthorized collection does not negatively impact my credit score. Enclosed are copies of my credit report highlighting the unauthorized collection and a copy of my drivers license for identity verification. If this matter is not resolved within XXXX days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal action as necessary. Please confirm in writing the removal of the unauthorized collection and detail the actions taken. Should you require any further information, feel free to contact me at the phone number or email address provided above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation