vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. Account name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX card Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2025-01-09 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Inaccuracy in my credit report. I have set it on autopay. My late payment is making it hard for me to obtain a loan to buy a house XXXX XXXX 30 day late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX XXXX Account Num : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I received a copy from the clerk of court. Stating they never released person information on the credit bureau. Involving my XXXX  XXXX to be placed into public records from a XXXX  party the credit bureau uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received a copy from the clerk of court. Stating they never released person information on the credit bureau. Involving my XXXX XXXX to be placed into public records from a XXXX  party the credit bureau uses.

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 2025-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive sent all my disputes to Experian XXXX and XXXX, but instead of resolving the problems, they keep sending back letters that seem like theyre stalling. It feels like they arent taking any real action, and Im getting really frustrated with this back-and-forth. Im tired of dealing with it, and it seems like theyre not fixing the issue at all. This is outrageous, and Im considering contacting an attorney to get this sorted out once and for all. 

I have attached there letter.

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I received a call from XXXX  XXXX XXXX indicating an account had been opened by me and they believed it was fraudulent. They requested I transfer {$1900.00} from my Wells Fargo checking account. I did even though I didn't feel good about it. As soon as I hung up, I called the Wells Fargo frauds department to have the transactions stopped. They immediately closed my account and opened a new one and indicated the would conduct a research. I was given Claim # XXXX They send me a letter dated XX/XX/year> stating their research showed the transactions were made through a secure online banking session by me or someone who had my authority and no processing errors occurred.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the eviction listed on my credit report, which I believe is inaccurate or incomplete. I request that you investigate this item in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and remove this entry. 

Details of the Disputed Item : Account Name : XXXX ( Invitation Homes ) Account Number : Account # : XXXX Reported by : XXXX XXXX Invitation Homes ) As per the FCRA XXXX specifically 15 U.S.C. 1681i, I am entitled to dispute any item on my credit report that I believe to be inaccurate or incomplete. This includes items such as eviction records. If the eviction is inaccurate or unverifiable, it must be removed or corrected within XXXX  days of your receipt of this dispute. 

I respectfully request that you provide the following information to validate the eviction entry : A copy of the eviction judgment or legal documentation that was filed with the court. 
Proof of the eviction notice or any official communication that supports the eviction action. 
Verification that the eviction was properly reported in accordance with the laws of the jurisdiction where the eviction took place. 
Under 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report is accurate. If the eviction can not be properly verified or substantiated, I request that you remove it from my credit report, as it may be inaccurate, outdated, or otherwise unverifiable. 

Please confirm the receipt of this dispute and provide me with written notice of the results of your investigation. If the entry is not removed or corrected, I request an explanation of why it remains on my report and an opportunity to provide further evidence or clarification. 

Thank you for your attention to this matter. I look forward to your prompt response, in compliance with the time limits set forth by 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : - Company Name : Experian - Company Address : XXXX XXXX XXXX, XXXX, TX XXXX - Phone Number : ( XXXX ) XXXX ( Experian customer service ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the US BANKRUPTCY COURT NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/year>. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/year>, I sent a written dispute directly to Experian requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

XXXX. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.

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 2025-01-09 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-09 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:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-09 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:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I'M AWARE THAT LEXINGTON LAW HAD TO ISSUSE COSTUMERS BACK MONEY AND I'VE NEVER RECEIVED ANYTHING BACK FORM THEM. THEY RIPPED ME OFF AND NEVER FIXED MY CREDIT OR ATTEMPTED TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an eviction record that has been incorrectly associated with my TransUnion SmartMove report. This record is entirely inaccurate, as I have never been evicted from any property, nor have I been sent to collections for any rental-related matter. Additionally, the leasing company assured me that this matter would never result in an eviction filing and that any record would be dismissed. 

Unfortunately, this erroneous record is now having a devastating impact on my ability to obtain housing, causing unnecessary stress and hardship for me and my family. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), I respectfully request that this matter be investigated thoroughly, and that this record be removed from my TransUnion SmartMove report immediately. 

To provide additional context : I maintained communication with the leasing company and resolved any outstanding concerns to their satisfaction. 

This eviction record was filed in error and should have been dismissed, as the leasing company promised. 

The apartment number is listed incorrectly on the eviction record. This error alone necessitates the removal of the record. 

Per my credit report records, no judgment was filed for any amount since the terms of my move-out agreement were satisfied. 

To assist in your investigation, I have enclosed the following documentation : A copy of my move-out document, which includes the correct apartment number ( XXXX ) as provided to the apartment management office. 

An email record from the leasing company confirming that any eviction proceeding would be dismissed upon satisfying the conditions of vacating the apartment and returning the keys. 

This incorrect record is causing unwarranted damage to my reputation and financial standing and may require legal action if not resolved promptly. I kindly ask for your immediate attention to this matter and for written confirmation once the record has been removed from my 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've made several disputes and reports against this TransUnion not handling two accounts they have placed in my credit report and asked for it to be taken off immediately. I have also called and spoken with agents several times. This issue is not being handled and just being ignored. They are reporting an account of XXXX XXXX XXXX acct # XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX in the amount of {$3700.00}. They are stating it's past due and in collections. I do not have an account with this company never have had an account with them and never signed an agreement or contract with this company of any debt. I have asked repeatedly since XXXX of XXXX for this company to give a bill of sale, debt validation and 1099-c as well as debt validation there has been no evidence provided. This company continues to take the collection off my report as closed then put it right back on my account as an open account. They have it as an open account, then they change it to a charged off account, then back to open they used different addresses and names of the company. Where it states Original Creditor name they are changing the name up on TransUnion for the moment it is stating XXXX XXXX XXXX. They also have allowed another inaccurate account i have complained about and disputed several times that goes by the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX stating I owe a debt in the amount of {$1200.00}. This is another account that TransUnion allows them to open and close this account on my credit report and I have seen this on my reports in the same day. TransUnion has allowed this fraudulent activity to happen and affect my credit tremendously in such a negative impact damaging my credit preventing me from trying to purchase a home. 
Everything on this account is inaccurate I need this looked into please and remove immediately for once and for all

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management INC with an open balance of {$1400.00} and {$860.00} since XXXX XXXX XXXX. Harassment of calls throughout day. Letters monthly. Even had XXXX XXXX XXXX  letters mailed saying they will sue me if not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
I was affected by XXXX and XXXX data breach. My information was hacked and leaked. This Credit reporting agency is in violation of FRCA laws. 

According to FRCA 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after date of receipt. 

1681g ( a ) 1 Information on files, source, reporting receiptents. 
_Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer ; ( 1 ) All information in the consumer 's file at the time of request. This agency in violation of not being able to supply what you have on file to verify the following accounts : XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ) XXXX XXXX XXXXXXXX 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