vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXXXXXX XXXX  : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have requested multiple times for a proper debt validation and I have never received anything more than a statement that is noncompliance with the Fair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
Unauthorized Credit Inquiries Dispute To whom it may concern, I did not authorize these credit inquiries and was unaware of them until XX/XX/XXXX. The following unauthorized inquiries appear on my credit report : Experian Inquiries ( Not Authorized ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Inquiries ( Not Authorized ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX via Dealer XX/XX/XXXX XXXX XXXX XXXX I request the immediate removal of these unauthorized inquiries from my credit report, as I did not provide explicit written consent for these credit checks. The only authorized inquiry was from XXXX XXXX XXXX XXXX, and all others were conducted without my permission. 

Please investigate this matter and confirm the removal of these inquiries as soon as possible. If additional documentation is needed, kindly inform me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NM

Complaint narrative:
I am writing to express my concern regarding the handling of my recent dispute submissions. TransUnion has sent me letters stating that my dispute letters do not appear to have been sent by me or authorized by me, leading to the refusal to open my disputes. 
This practice is unlawful and infringes upon my rights under the Fair Credit Reporting Act ( FCRA ). Section 611 of the FCRA grants consumers the right to dispute inaccurate or incomplete information in their credit reports, and mandates that credit reporting agencies investigate these disputes. By refusing to open my disputes, TransUnion is not adhering to these legal requirements and is obstructing my ability to ensure the accuracy of my credit report. 
I urge you to immediately review and address my dispute submissions as required by the FCRA. Please make certain that all my future disputes are properly received and investigated. 

FCRA VIOLATION : 15 U.S.C. 1681n Willful Noncompliance TransUnions inaction and failure to delete or correct erroneous data, after being clearly notified, constitutes willful violation of the FCRA. Per case law ( e.g., XXXX v. TransUnion, XXXX XXXX XXXX, XXXX v. XXXX ) , credit bureaus can not use automated e-OSCAR systems as a shield from liability when proper investigations are not conducted. 

This complaint further addresses TransUnions gross negligence in allowing the reporting of a potentially fraudulent account, thereby compromising the integrity of my consumer file and violating its duty to maintain accurate data under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am demanding full documentation of the verification process used to confirm the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX You must provide : A detailed description of the procedure used to verify this account. 
The name and contact information of the individual ( s ) interviewed or sources consulted to confirm its accuracy. 
A hard copy of all supporting documentation you have on file, proving this account is 100 % correct. 
This information must be mailed to me at the address XXXX XXXX XXXX. Virginia XXXX, VA XXXX within five ( 5 ) days of receiving. If you are unable to provide this documentation, you must immediately remove this account from my credit report. 

Failure to delete inaccurate or unverified information is a direct violation of the FCRA, and if you refuse to remove these accounts, the law entitles me to {$1000.00} per item as statutory damages. 

Please respond accordingly and in compliance with federal law. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : If a consumer reporting agency ( CRA ) conducts a reinvestigation of disputed information and finds the information to be inaccurate or incomplete, or can not verify it, the CRA must delete or modify the information. The CRA must then notify the consumer of the results.

Specifically, under 1681i ( a ) ( 6 ) ( B ) ( iii ), if a consumer requests it, the CRA must provide them with a description of the procedure used to determine the accuracy and completeness of the disputed information. These items are still showing under closed accounts on my credit report WITH ALL CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am demanding full documentation of the verification process used to confirm the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX You must provide : A detailed description of the procedure used to verify this account. 
The name and contact information of the individual ( s ) interviewed or sources consulted to confirm its accuracy. 
A hard copy of all supporting documentation you have on file, proving this account is 100 % correct. 
This information must be mailed to me at the address XXXX XXXX XXXX. Virginia XXXX, VA XXXX within five ( 5 ) days of receiving. If you are unable to provide this documentation, you must immediately remove this account from my credit report. 

Failure to delete inaccurate or unverified information is a direct violation of the FCRA, and if you refuse to remove these accounts, the law entitles me to {$1000.00} per item as statutory damages. 

Please respond accordingly and in compliance with federal law. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : If a consumer reporting agency ( CRA ) conducts a reinvestigation of disputed information and finds the information to be inaccurate or incomplete, or can not verify it, the CRA must delete or modify the information. The CRA must then notify the consumer of the results.

Specifically, under 1681i ( a ) ( 6 ) ( B ) ( iii ), if a consumer requests it, the CRA must provide them with a description of the procedure used to determine the accuracy and completeness of the disputed information. These items are still showing under closed accounts on my credit report WITH ALL CREDIT REPORTING AGENCIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your review. Additionally, inconsistent account details are being reported across different bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Name of Company LVNV LLC ; date XX/XX/XXXX Amounts {$1500.00} XXXX XXXX XXXX XXXX ; date XX/XX/XXXX Amounts {$1200.00} XXXX XXXX XXXX XXXX ; date XX/XX/XXXX Amounts {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
In XX/XX/year> I sent a check to XXXX XXXX in the amount To pay off my minimum payment. Unfortunately Due to illness, I could not be around my phone for communication apparently the check got lost in transit, and or was lost by XXXX XXXX when my illness was over I saw that they had contacted me that I had not paid my balance as soon as I saw that I made sure my account was up-to-date. They are showing too late payments, but I had sent the payment in and they refused to keep the dates updated as not late not late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I recently noticed on my credit report information that is inaccurate and does not belong to me as i believe i am a victim of identity theft. I would like to all fraudulent accounts removed from my report. As this is impacting and hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently noticed on my credit report information that is inaccurate and does not belong to me as i believe i am a victim of identity theft. I would like to all fraudulent accounts removed from my report. As this is impacting and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
someone fraudulently open a Apple credit ( Goldman Sachs ) under my name in XX/XX/XXXX the person have access to {$630.00} initially and late payment start occuring but I didn't notice the theft till today XX/XX/XXXX XXXX notify me with the activities XXXX XXXX I've called all the agencies XXXX XXXX XXXX XXXX XXXX XXXX to protest and report the fraud I started fraud alert today with XXXX XXXX to keep me protected. 
this identity theft effect my credit score greatly despite I have excellent records on all of my financial responsibility. 
Note : Credit card number does not show all the digits because I don't have it ( the person who made the theft does ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Urgent Dispute of Fraudulent Credit Report Information Dear Experian, I am writing to formally dispute all accounts listed on my credit report, as they have been inaccurately reported and are the result of fraud. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the maximum possible accuracy of consumer credit information and remove fraudulent entries promptly. Additionally, the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian has raised concerns regarding inadequate dispute investigations and the failure to remove unverified or fraudulent data. 

The following fraudulent accounts are inaccurately reported on my credit file XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX - XXXX XXXXXXXX - XXXX XXXX, ACCOUNT NUMBER XXXX - XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX **Multiple unauthorized inquiries** - **Erroneous negative marks impacting my credit score** - Enclosed are copies of supporting documents, including identity theft reports, police reports, and other relevant evidence confirming that I did not authorize these accounts or transactions. 

Given the serious nature of this issue, I formally request that you : 1. Conduct an immediate and thorough reinvestigation of all disputed information.

2. Remove all fraudulent accounts and unauthorized inquiries from my credit report.

3. Provide me with a written confirmation once the inaccurate information has been corrected.

4. Take all necessary steps to prevent further fraudulent reporting under my name.

The FCRA mandates that all reinvestigations must be completed within 30 days. If I do not receive a resolution within this timeframe, I will escalate this matter to the CFPB and pursue additional legal action if necessary. 

I appreciate your urgent attention to this matter and expect a prompt resolution. Please confirm receipt of this dispute by mail or email at your earliest convenience. 

Sincerely, XXXX XXXX [ Enclosures : Identity theft reports, supporting documentation.

Company response to consumer: Closed with non-monetary relief