vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: AL

Complaint narrative:
I am filing a complaint against Equifax for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
On my credit report there are late payments from XXXX XXXX XXXX I have submitted numerous disputes concerning this stating that there were no late payments on this account and that all payments were made on time. I also provided evidence to this credit bureau that there was/ were acts of fraud involved in this case and evidence of this was submitted during the dispute process. I provided a copy of the fraud report that was sent to the FTC for investigation and possible prosecution but despite this the account continues to be reported on my credit report. 
Kindly delete this account from my credit report immediately and update this account to been paid as agreed and or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiry 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. 

XXXX. This inquiry was not approved by me. 
XXXX  Date : XX/XX/2023 I request the removal of this from my credit report. 

XXXX. I did not receive a billing statement at least 21 days before the due date, making this a billing error under 15 U.S.C. 1666 b ( 4 ) ( 5 ). 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The collection agency never provided me with any verification for this account. How was it verified on your end? Please provide valid documentation or remove this account immediately. 
XXXX Account XXXX : XXXX I have been affected by identity theft. I request the immediate removal of this from my report. 

4. This account violates 15 U.S.C. 1681i ( 7 ) as it was reported without proper verification or valid supporting evidence. 
XXXX XXXX Account XXXX : XXXX Please remove this from 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 2025-03-30 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: CA

Complaint narrative:
On XXXX XXXX I checked my credit report and noticed hard inquiries that are unverifiable and inaccurate on my credit report I dont recognize any of the hard inquiries listed below nor did I give permission to access my credit report 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/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 2025-03-30 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:
On my credit report there are late payments from XXXX XXXX XXXX I have submitted numerous disputes concerning this stating that there were no late payments on this account and that all payments were made on time. I also provided evidence to this credit bureau that there was/ were acts of fraud involved in this case and evidence of this was submitted during the dispute process. I provided a copy of the fraud report that was sent to the FTC for investigation and possible prosecution but despite this the account continues to be reported on my credit report. 
Kindly delete this account from my credit report immediately and update this account to been paid as agreed and or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
On my credit report there are late payments from XXXX XXXX XXXX I have submitted numerous disputes concerning this stating that there were no late payments on this account and that all payments were made on time. I also provided evidence to this credit bureau that there was/ were acts of fraud involved in this case and evidence of this was submitted during the dispute process. I provided a copy of the fraud report that was sent to the FTC for investigation and possible prosecution but despite this the account continues to be reported on my credit report. 
Kindly delete this account from my credit report immediately and update this account to been paid as agreed and or delete this account from 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Creditor : XXXX XXXX Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally XXXX my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
This company is reporting inaccurate information on my credit report. This account was paid in full on XX/XX/XXXX and is still on my credit report in collections and was last reported as a collection on XX/XX/XXXX .This inaccurate report is affecting/damaging my score. This collection is stopping me from buying my first home and I'm demanding that this negative report be removed from my credit report with all XXXX credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint because of inaccurate information being reported on my Experian report. After many failed disputes with Experian a debt with company XXXX  account # XXXX that has been paid in full on XX/XX/XXXX continues to report in collections and was last reported in collections on XX/XX/XXXX. I ask that this collections be removed from my report immediately due to the violation of my rights.Experian failed to properly investigate and provided little to no proof of verification of results.

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 2025-03-30 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-30 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX We left XX/XX/XXXX. Into our new apartment. They are saying that we moved out XX/XX/XXXX. Then we were told that the keys were never turned in but I tried for XXXX weeks to return the keys. I was communicating with someone in the office who was not helping at all. There was also a vacancy letter signed stating we would be out on XX/XX/XXXX. 
There were a total of XXXX managers within a years time and The company has changed its name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Collection Account : XXXX XXXX XXXX - Account : XXXX - Original Creditor : XXXX XXXX XXXX Dispute Reason : Fraudulent account opened due to identity theft. No contractual agreement exists. 

2. Child Support Enforcement Account - Account : XXXX - Dispute Reason : Incorrect reporting. No legal obligation or court order exists for this debt. 

3. XXXX XXXX XXXX Account - Account : XXXX - Dispute Reason : Fraudulent activity. Account opened due to identity theft These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Collection Account : XXXX XXXX XXXX - Account : XXXX - Original Creditor : XXXX XXXX XXXX Dispute Reason : Fraudulent account opened due to identity theft. No contractual agreement exists. 

2. Child Support Enforcement Account - Account : XXXX - Dispute Reason : Incorrect reporting. No legal obligation or court order exists for this debt. 

3. XXXX XXXX XXXX Account - Account : XXXX - Dispute Reason : Fraudulent activity. Account opened due to identity theft These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute an alleged debt that you have reported to the credit bureaus under my name. I have never received any documentation or proof validating this debt, and under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide verification of the debt, including a signed agreement or itemized statement proving my obligation to pay. 

To date, I have not received any such documentation from Capital One, and if you are unable to provide this evidence, I demand that you immediately remove this account from my credit report and cease all collection efforts. Reporting unverifiable or inaccurate information is a violation of federal law, and I am prepared to escalate this matter if necessary, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please provide written confirmation of the deletion of this account from my credit report, or, if you claim the debt is valid, send me all supporting documentation proving its legitimacy within 30 days of this letters date. 

I expect your prompt attention to this matter. You XXXX contact me in writing at the address listed above

Company response to consumer: Closed with explanation