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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, my wallet was stolen from my vehicle ( a police report was created ). In XXXX of XXXX the id that had been stolen was starting to be used to create lines of credit. I did not use this ( because I'd gotten a new id ) or authorize this. The lady who had stolen my identity has gotten an apartment, car, insurance and lots of lines of credit, in my name. I made another claim in my XXXX XXXX XXXXXXXX, Tx for identity theft. When a car was gotten in my name and I let the dealership know that it wasn't me who purchased that car ( I also let the lender, XXXX XXXX XXXX, know ), he filed a police report in XXXX, Tx because that's where his business is located. ( She is still driving around in that vehicle and going through toll roads and I'm getting the bill. ) When she got insurance on the car, she put herself as an additional driver, XXXX XXXX XXXX. She has continued through XXXX to get forms of credit in my name. Although my credit is still in good standing, I'd like the hard inquiries that she's accrued to be removed. These accounts are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and both of the XXXX XXXX hard inquiries on XX/XX/XXXX. I'm now trying to get the other bureaus to comply. I've sent certified letters ( with what I was wanting, police reports, their credit reports with items highlighted ) ; they received them XX/XX/XXXX. I've uploaded things to their portals to dispute these items. XXXX had first told me that I needed to call the creditors and have them remove these items. I called several of these agencies to be told time and time again that it's the bureaus responsibility to take them off. I'm so sick of getting the run around. This girl is ruining my life and I'm the one who has to jump through hoops to fix her nefarious acts of criminal activity!!

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: 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: TX

Complaint narrative:
In XX/XX/year>, I noticed two separate credit accounts on my credit report that appeared to be inaccurately reported and possibly unlawfully furnished. XXXX XXXX XXXX Account Reason for Dispute : Public records showed that XXXX XXXX XXXX, XXXX had an Ended franchise tax status and Inactive Secretary of State status in Texas, indicating it was not authorized to conduct business in the state. This implied the company should not be reporting credit information for a Texas resident. 
Account Details ( as reported ) : A charged-off balance of {$5100.00} with a past-due amount listed since XX/XX/year>. 
Actions Taken : On or around XX/XX/year>, I sent a formal dispute letter to XXXX XXXX XXXX and the relevant credit reporting agency ( Experian ). I requested immediate cessation of reporting and deletion of the inaccurate tradeline. I included evidence from Texas public records verifying XXXX XXXX XXXX unauthorized status. 
XXXX XXXX Retail Account Reason for Dispute : Multiple discrepancies were found, including : An inaccurate payment history ( showing {$0.00} received despite a last payment date in XX/XX/year> ). 
Conflicting charged-off status with a closing date that did not align with the listed high balance months. 
Incorrect terms ( e.g., {$0.00} per month for 75 months ), which did not match the actual loan agreement. 
Actions Taken : I previously contacted XXXX XXXX XXXX to correct these errors but saw no resolution. I then formally disputed this account with both XXXX XXXX XXXX and the credit reporting agencies ( Experian and XXXX ). I requested a complete deletion of the inaccurate information under the Fair Credit Reporting Act ( FCRA ). Continued Reporting and Impact : Despite my disputes, both tradelines remained on my credit report with the original incorrect or misleading information. This has resulted in ongoing harm to my creditworthiness and potential denial or less favorable terms for future credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681n 15 usc 1681o.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Request for Debt Validation XXXX To Whom It May Concern, I am writing to request validation of the debt associated with the account number referenced above, which has been reported by your company, Midland Credit Management XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification and validation of this debt, including the original creditor 's name, the amount owed, and any relevant documentation that substantiates this claim. 

Please provide the following : XXXX. The name of the original creditor. 


XXXX. The amount of the debt at the time it was transferred or assigned to your company. 


XXXX. A complete itemization of the debt, including any interest, fees, or other charges that may have been added. 


XXXX. Documentation or proof that you are authorized to collect on this debt, including any agreements or contracts. 


XXXX. A copy of the original signed agreement or any other evidence that substantiates this debt. 



Until I receive this information, I request that no further collection activity be pursued and that my account be marked as disputed. Please also provide information on the process for disputing the debt if I find any discrepancies. 

If you fail to respond to this request within 30 days, as required by the FDCPA, I will consider this matter closed and will dispute the validity of the debt with the credit bureaus. 

Please send your response to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX -- - This letter serves as a formal request for debt validation and can be customized with your specific information. Be sure to send the letter via certified mail with a return receipt to ensure that you have proof of delivery.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I am filing this complaint regarding inaccuracies on my credit reports with XXXX and XXXX, caused by the actions of XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX. These inaccuracies are severely damaging my creditworthiness and reflect violations of federal consumer financial laws, including the Fair Credit Reporting Act ( FCRA ). The following details describe the harm caused : XXXX Report - XXXX XXXX XXXX XXXX XXXX XXXX continues to report a charged-off account with a balance of {$5100.00} and a credit limit of {$5000.00}, despite being legally inactive in Texas. 
Public records from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirm that XXXX XXXX XXXX is not authorized to conduct business in Texas, invalidating their ability to report on accounts tied to Texas residents. 
XXXX failed to investigate my formal dispute and continues to publish this inaccurate and unlawful information. 
XXXX Report - Volvo Car Financial Services Volvo Car Financial Services has reported a charged-off account with a balance of {$43000.00}, despite multiple discrepancies, including : A Last Payment Made date of XX/XX/year>, which conflicts with their reporting of {$0.00} payment received. 
Contradictory terms and charge-off dates that do not match actual account details. 
Despite formal disputes, XXXX has failed to reasonably investigate or remove these inaccuracies. 
XXXX Report - Volvo Car Financial Services XXXX similarly reports inaccuracies for this account, including conflicting charge-off statuses, inaccurate payment histories, and contradictory balances. 
Despite my disputes, XXXX has failed to take corrective action. 
XXXX Report - XXXX XXXX XXXX XXXX reports adverse information related to an account that is not mine and is potentially tied to trafficking-related circumstances. 
Despite providing supporting documentation, XXXX has not removed this inaccurate information from my report. 
Actions Taken by Me : I submitted disputes to XXXX and XXXX for the inaccuracies related to XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX. 
I provided supporting documentation, including proof of XXXX XXXX XXXX inactive status in Texas, documentation of my payment history with XXXX, and evidence of my status as a XXXX XXXX XXXX 
Despite these efforts, the inaccuracies remain unresolved, and the credit reporting agencies and furnishers continue to publish misleading and damaging information.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX  Account Number : 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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my 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 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: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my 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 2025-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
Tried to dispute with each creditor, stating that according to 15 usc 1692c the law clearly states if a consumer notifies a debt collector the consumer refuse to pay debt the collector must cease all communication. Reporting to my credit report is a sign of communication.

Company response to consumer: Closed with explanation