vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXXXXXX XXXXXXXX Date : XX/XX/year>XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX for XXXX and Removal Account Name : Premier XXXX XXXX Account Number : XXXX Balance : {$660.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-24 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: NJ

Complaint narrative:
ACCORDING TO XXXX XXXX XXXXI - XXXX, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX  USC XXXX. XXXX  -- Account Number : XXXX XXXX XXXX XXXX  section XXXX  A. States I have the right to privacy.

XXXX XXXX XXXX section XXXX A Section XXXX  : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX XXXX XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX XXXX XXXX XXXX A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
Subject : Identity Theft Dispute and Request for Blocking of Fraudulent Information under 15 U.S.C. 1681c-2 Dear CFPB Team, I am writing to formally dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that the following items be blocked immediately. 
I am a victim of identity theft and have attached my FTC Identity Theft Report ( Report Number : XXXX ) as required under the Fair Credit Reporting Act. According to the law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block the identified fraudulent information within XXXX ( XXXX ) business days. 
The following accounts and inquiries appearing on my Experian credit report is the result of identity theft and do not belong to me. I demand their immediate removal : Fraudulent Account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All supporting documentation, including my ID, my Social Security Card, my identity theft report, is included with this letter. I respectfully request that you : 1. Block the above items from my credit report as mandated by federal law.

2. Provide me with a written confirmation once these items have been removed. 
Please treat this matter with urgency and in accordance with your legal obligations. I look forward to your response within the time frame specified under the F.C.R.A. 
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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three bureaus are reporting inaccurate late payments for XXXX XXXX  and XXXX, both of which have a {$0.00} past due balance and were either paid or settled. The continued reporting of these late payments is incorrect and misleading, especially considering the accounts reflect either full closure or settled balances. This misreporting violates 15 U.S. Code 1681e ( b ), which mandates accurate reporting, and 15 U.S. Code 1681i ( a ), requiring proper investigation upon dispute. XXXX XXXX are also in breach of 15 U.S. Code 1681n for willfully failing to remove or correct inaccuracies. These late payments must be immediately corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX SSN : XXXX XXXX : XX/XX/2000 Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX RE : Unauthorized Personal Information. 
I am sending this letter to dispute the following inaccurate personal information Please remove it from my Equifax credit report as soon as possible. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 



Incorrect name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
I have been disputing inaccurate accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureau seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediate. 
XXXX XXXX * * * * * * * * * * Balance Owed : {$280.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed {$7300.00} XXXX XXXX XXXX * * * * Balance Owed {$2900.00} XXXX XXXX XXXXXXXX * Balance Owed {$1500.00}

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 2025-04-24 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: CO

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
I've found that my credit report has erroneous information for a several times now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureau must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX * * Balance Owed : {$0.00}

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 2025-04-24 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: SC

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax XXXX and Equifax Information Services LLC, XXXX ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL XXXX TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX XXXX ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a request to have my XXXX account deleted from my TransUnion report. On XX/XX/year>, I found out that that my request was denied. 

This is a predatory tribal loan that is not legally enforceable ( interest rates range between 83.60 % to 405.00 % APR ) and therefore can not be reported. This is why XXXX doesn't report to XXXX  or XXXX. 

I would like Transunion to remove this account from my credit report as this violates the Fair Credit Reporting Act. If needed, I will get a consumer protection attorney 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 non-monetary relief
Consumer complaint received 2025-04-24 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I am following up on this complaint to ensure that the suspicious and potentially inaccurate information on my credit report is properly investigated and corrected. As outlined under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the credit reporting agencies are required to provide verification of the accounts in question and to investigate any disputed information. 
XXXX XXXX XXXX XXXX * * * * Balance : {$0.00}

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 2025-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I was a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Unfortunately I developed XXXX XXXX XXXX XXXX XXXX. After undergoing XXXX XXXX  and XXXX I now have XXXX XXXX XXXX XXXX  and it requires a XXXX  next month. In the summer of XXXX I also underwent an additional XXXX to my XXXX XXXX and my vehicle was hit and totaled loss. I had to get into another car payment. In total I have had XXXX XXXX  on my XXXX and one XXXX XXXX XXXXXXXX on my XXXX XXXX. All of these unexpected complications have caused my fall behind on my mortgage payments. PHH mortgage is NOT adhering to the Fair Housing Act law. PHH mortgage is also reporting my name incorrect in violation of The Fair Credit Reporting Act. I have ask if what is owed on my mortgage could be forgiven or added to the rears of my loan. They said no. Im still trying to recover from my XXXX  and PHH mortgage is trying to get to short sell my home. Im in no condition to move.Their lack of compassion or consideration as added more unwarranted stress that is impacting my recovery. I may be undergoing another XXXX next month to remove my XXXX. Im on early XXXX XXXX  and dealing with XXXX from XX/XX/XXXX. I will be able to pay my monthly mortgage if PHH mortgage keeps my payments at {$1900.00}, my present monthly payment. Thank you for your consideration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Due to identity theft, unauthorized and incorrect information has been added to my Equifax credit report. My Social Security number and other personal information have been used fraudulently and without my authorization. These false accounts and inquiries have negatively impacted my credit standing and were listed by Equifax without proper authentication or approval from me. Although I have requested corrections, Equifax continues to maintain these inaccurate items. I am not asking for a fraud alert, but I do require the prompt deletion of all fraudulent accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis submitted unauthorized disputes to Equifax, Experian, and TransUnion using my personal information without my knowledge or consent. These unauthorized submissions led to credit damage including inaccurate bankruptcy reporting and account updates.

LexisNexis used PACER ( a public access system ) as their source of bankruptcy verification, which the U.S. Bankruptcy Court confirms is not a valid data reporting source. Their investigation did not fix the errors, and the bankruptcy still remains on my reports despite being unverifiable.

LexisNexis has also contacted me to verify my identity after committing identity misuse, which I find unsafe and inappropriate. They have failed to correct or delete inaccurate and unverifiable information caused by their unauthorized activity.

Company response to consumer: Closed with explanation