vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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 writing to demand the immediate removal of fraudulent entries reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my credit report, reflecting the same alleged debt under XXXX different account numbers. THIS IS NOT A DUPLICATE, DUPLICATE MEANS SAME ACCOUNT NUMBER AND INFORMATION. THESE ACCOUNT HAS XXXX DIFFERENT ACCOUNT NUMBERS. This is a clear case of identity theft, as my personal identifying information ( PPI ) has been misused to create and report these false debts. 

After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's improper practices, they responded by submitting XXXX separate accounts for the same alleged debt. This is not only retaliatory but also suggests XXXX can not verify which of the XXXX accounts is the alleged legitimate debt. This reporting violates both 18 U.S.C. 1028 ( identity theft ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires accurate and verifiable information.

I demand that you remove both accounts from my credit report immediately. Additionally, I request that you provide through the CFPB portal NOT BY MAIL detailed proof of YOUR VERIFYING PROCESS FOR THESE ITEMS and how XXXX verified these alleged debts under XXXX separate account numbers using my PPI. If verification can not be provided, these entries must be removed permanently. Failure to comply will result in further legal action How did you verify XXXX alleged debt on my credit report under XXXX different account numbers for the same alleged debt.

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 2025-01-14 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: United PanAm Financial Corp.
State: PA

Complaint narrative:
Hello Ive been a victim of identity theft. Ive made several reports and complaints about my credit being effected due to this happening. Ive made a police report as well as call the credit bureau. 
XXXXXXXX XXXX XXXX Account number : XXXX This is a XXXX XXXX account. 
XXXX XXXX XXXX  XXXX Amount {$790.00} Open date XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount {$740.00} Also hard inquiries XXXX XXXXXXXX inquiries XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party 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 explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-14 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-14 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: AR

Complaint narrative:
I was looking over my credit report and saw fraudulent accounts on my report and it is damaging my credit severely thanks.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00}

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 2025-01-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Response / Complaint Department Subject : Formal Complaint Regarding Unlawful Reporting Practices by XXXX Dear CFPB Representative : I am writing to file a formal complaint regarding the unlawful reporting of my personal and financial information by XXXX. Specifically, I believe the following actions violate The Privacy Act of 1974 ( 5 U.S.C. 552a ), as well as other pertinent federal statutes and consumer protection laws : 1. Unlawful Disclosure of Transaction History Under the Privacy Act of 1974, it is unlawful to disclose confidential personal informationsuch as transaction historywithout the consumers explicit, written consent. By reporting and potentially distributing my transaction details, XXXX has infringed upon my right to privacy under federal law.

2. Misclassification of Charge Off as a Certificate of Indebtedness ( Income ) A charge-off is effectively treated by many financial institutions as a Certificate of Indebtedness, which may be deemed income for tax reporting purposes ( e.g., via Form 1099-C ). This classification raises serious concerns about XXXX reporting practices and whether it is unlawfully representing such financial information to third parties.

3. Violation of Consumer Protection Statutes Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : This law imposes strict obligations on consumer reporting agencies regarding the collection, maintenance, and sharing of consumer credit information. XXXX reporting of my private financial data and transaction details may fall outside these legal boundaries.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : This statute restricts disclosure of nonpublic personal information to third parties without the explicit consent of the consumer. XXXX practices appear to violate these requirements by failing to safeguard my personal information. 

Given these concerns, I respectfully request that the CFPB initiate an immediate investigation into XXXX practices. Should XXXX be found in noncompliance, I ask that the CFPB take all appropriate enforcement actions to correct the situation and prevent further violations of these federal laws. 

Additionally, in light of these violations and any resulting inaccuracies, I request that XXXX update my account status to reflect Paid as Agreed to accurately represent the resolution of these disputes and mitigate any further harm.

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you may provide. If you require additional documentation or information, please contact me in writing at the address above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Company was asked for original contract with wet signature and did not provide. My information was exposed in data breach and used

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Ongoing Requesting Equifax to protect my Identity and Credit Report. Always denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I would like these fraud accounts to be immediately removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Please refer to complaint XXXX Experian is in the news for not replying to disputes. I've had numerous issues with Experian, which is why the CFPB is rightfully pursuing them. 

Back on XX/XX/XXXX, I disputed inaccurate items on my Experian credit report. I have sent Experian multiple dispute letters, and to date, I have received one letter that was merely a stall letter saying that they will not reinvestigate my complaint. However, an investigation into my complaint never happened. I started the dispute process on XX/XX/XXXXXXXX XXXX XXXXXXXX. The only correspondence I've received from Experian was a couple of notices that they removed my name from preapproved credit offer mailing lists for 5 years. From the original time that I mailed my first dispute ( XX/XX/XXXX ) to when they received the dispute ( XX/XX/XXXX ) is already longer than the 30-day window under the FCRA.I submitted another dispute with them on XX/XX/XXXX after the 30-day no response. I later submitted another dispute to them on XX/XX/XXXX. 

Please see their reply to my dispute ; many months later, it does not show any dates. It does not show my XXXX XXXX complaint regarding my dispute of the 60-day late payment.

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 2025-01-14 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: CA

Complaint narrative:
40 U.S. Code 3133 - Rights of persons furnishing labor or material The first way to establish a permissible purpose is in writing and in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX has violated the act all violations must be cleared and satisfied as per court action. Person having direct contractual relationship with a subcontractor.A person having a direct contractual relationship with a subcontractor but no contractual relationship, express or implied, with the contractor furnishing the payment bond may bring a civil action on the payment bond on giving written notice to the contractor within 90 days from the date on which the person did or performed the last of the labor or furnished or supplied the last of the material for which the claim is made this letter is requesting a investigation and validation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Please delete the following from my consumer report not later than 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX Original filing date XX/XX/ 2023 Reference number XXXX I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent. Please delete from my consumer report not later than 4 business days.

( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protect by the Privacy Act, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number of XXXX XXXX? 

RESPECTFULLY,

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX last four of my social XXXX Statement of Facts Regarding Unauthorized accounts from XXXX XXXX XXXX I am writing to formally dispute an unauthorized Acoounts listed on my Transunion credit report from XXXX XXXX XXXX . I do not recognize these accounts, nor did I authorize any transaction or credit request involving XXXX XXXX XXXX on the aforementioned date. This inquiry is fraudulent, and I am requesting that it be immediately removed from my credit report.

Statement of Facts : Unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On reviewing my recent credit report, I found these accounts from XXXX XXXX XXXX listed under " Collections '' I did not initiate any contact with this company nor give consent for them to pull my Transunion credit report.

No Prior Relationship : I have never applied for credit, services, or initiated any business with XXXX XXXX XXXX. I am certain that I did not authorize any credit check or open accounts with them ( XXXX XXXX XXXX. 

Fraudulent Activity : These Accounts are a result of fraud. Someone may have impersonated me or used my information without my consent to access my credit report.

Request for Immediate Action : I request that TransUnion immediately : Remove the unauthorized XXXX Accounts from my credit report.

Conduct a full investigation into this matter to determine how these accounts was made without my authorization.

Provide me with written confirmation that the fraudulent Accounts have been removed and that my credit report has been corrected.

Please treat this matter with urgency, as unauthorized Accounts can have a negative impact on my credit score and may be indicative of identity theft. 




XXXX XX/XX/2025

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