vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2025-01-27 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: GA

Complaint narrative:
I disputed my personal information be changed with XXXX and Experian have not got a respond yet. I need all my personal information to be changed. I disputed this information to them on XXXX XXXX and it have been over 30 days. 
I disputed name XXXX XXXX and XXXX XXXX that is not my name. 
my name is 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 2025-01-27 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: WA

Complaint narrative:
i called and told bureaus that credit report is not accurate can they update my current mailing address and also inquiries that was not made by me. they as to send proof of identification i sent the proof. they deleted the information then added it back later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Credit Corp Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Credit Corp Solutions, I am writing to formally dispute the alleged debt referenced in your recent communication and its subsequent reporting on my consumer credit report. I assert that your agency has violated my consumer rights under federal regulations, specifically : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information to the consumer. To date, I have not received such information from your agency.

2. Denial of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the debt. I have not been afforded this opportunity.

3. Use of False or Misleading Representations : Your agency has engaged in deceptive practices, which is a violation of consumer rights.

4. Unauthorized Furnishing of Information to Consumer Reporting Agencies : As per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a debt collector must provide all required disclosures before furnishing information to consumer reporting agencies. Your agency has failed to comply with these requirements.

In light of these violations, I hereby : Dispute the Validity of the Alleged Debt : I do not acknowledge any debt to your agency and request immediate cessation of all collection activities until this matter is resolved.

Revoke Consent for Communication : Effective immediately, I revoke any consent for your agency to contact me via email, text messages, or phone calls. All future communications must be conducted through written correspondence sent to my mailing address listed above. 
Request Debt Validation : Pursuant to my rights under federal law, I request that you provide the following documentation : The amount of the debt ; The name of the creditor to whom the debt is owed ; Verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Utah. 

Request the Purchase Agreement : Please provide a copy of the purchase agreement or assignment contract between your agency and the original creditor that grants you the authority to collect on this alleged debt. 
Request Proof of Licensing and Bonding : Kindly furnish evidence that your agency is licensed and bonded to operate as a debt collector in Utah. 

I expect a response within 30 days of receipt of this letter. Failure to provide the requested information will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's " actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.

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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I received countless of harassment letters and phone calls about a debt that is a result of identity fraud. 
The amount of {$670.00} From ConServe- Continental Service Group LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX there was a call that had taken place between myself, capital one auto finance, and an insurance adjuster from XXXX XXXX insurance. At that time capitol one stated that if they received {$1900.00} they would settle the account, and transfer my title. On XX/XX/XXXX the XXXX XXXX insurance adjuster called capitol one to confirm the agreement that was made on XX/XX/XXXX, which was confirmed again and the check was sent. On XX/XX/XXXX capital one received and cashed the check, however it was not applied to the settlement amount. When contacted about it they said there agent gave incorrect information, and are refusing to sign over the title. Now they are requesting more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report To XXXX : I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report, and you are required to investigate my claim. 
Dear Sir/Madam, I am writing to dispute the accuracy of charge-offs listed on my credit report under the FCRA, specifically 15 U.S.C. 1681, all information in a credit report must be accurate and verifiable. Additionally, 15 U.S.C. 1681b limits the inclusion of unverifiable or inaccurate information in consumer credit reports. As these entries can not be substantiated, they should be removed immediately.

Please confirm the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the removal of these charge-offs. 

Thank you for your time and attention to this matter. 


Sincerely, 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never authorized these inquiries and they are due to fraud. 
XXXXXXXX XXXX Location XXXX XXXX  XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Feedback Inquiry Type Individual US DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a business checking account with Fifth Third Bank, and upon receiving my Employee Retention Credit ( ERC ) check from the IRS, I deposited the check into the account. On the following day, my account was frozen, and a hold was placed on it. I visited the branch, where I was requested to provide documentation confirming that the IRS had issued the check. I submitted all the required documents, and I was informed that the review process would take between 24 to 72 hours. However, it has now been over a week, and no progress has been made. I contacted the bank, and they indicated that they are still awaiting the completion of the review. Unfortunately, I have not received any clear answers regarding when my funds will be released, when I will regain access to my account, or the status of the returned check. Neither the branch staff, customer service, nor the fraud department has provided me with any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was in a car accident on XX/XX/year>. I called XXXX XXXX  as well as my insurance company to inform them of what happened. since XX/XX/year> no longer in possession of the vehicle it is in the junk yard. I was told by a representative from XXXX XXXX  that it was taken out of total loss. XXXX XXXX  keeps reporting a missed/late payment on all three credit agencies. I dispute it but it still shows on my credit file. XXXX is refused to pay for the damages because they said I did not have collision insurance but when you finance a vehicle you must have collision insurance so the bank can get paid for the vehicle

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was in a car accident on XX/XX/year>. I called XXXX XXXX  as well as my insurance company to inform them of what happened. since XX/XX/year> no longer in possession of the vehicle it is in the junk yard. I was told by a representative from XXXX XXXX  that it was taken out of total loss. XXXX XXXX  keeps reporting a missed/late payment on all three credit agencies. I dispute it but it still shows on my credit file. XXXX is refused to pay for the damages because they said I did not have collision insurance but when you finance a vehicle you must have collision insurance so the bank can get paid for the vehicle

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was in a car accident on XX/XX/year>. I called XXXX XXXX  as well as my insurance company to inform them of what happened. since XX/XX/year> no longer in possession of the vehicle it is in the junk yard. I was told by a representative from XXXX XXXX  that it was taken out of total loss. XXXX XXXX  keeps reporting a missed/late payment on all three credit agencies. I dispute it but it still shows on my credit file. XXXX is refused to pay for the damages because they said I did not have collision insurance but when you finance a vehicle you must have collision insurance so the bank can get paid for the vehicle

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief