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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX  - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX AMOUNT : {$5200.00} XXXX XXXX ACCOUNT # XXXX AMOUNT : {$2600.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$6700.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$580.00} I am a victim of identity theft, and fraudulent accounts were opened in my name with the following companies. I first reported identity theft in 2018 as documented in my police report ( XXXX XXXX XXXX ). Despite my repeated disputes, these companies has denied my claims and refused to remove the fraudulent accounts from my credit report. i have submitted police reports proving identity theft, dispute letters with supporting documents, and a request under the Fair Credit Reporting Act ( FCRA ) to remove fraudulent accounts. These companies failed to properly investigate and resolve this issue, violating my rights under the FCRA and Fair Credit Billing Act ( FCBA0. I am requesting that the CFPB investigate these companies and require them to immediately remove the fraudulent accounts from my credit report. provide written statement confirming account closure, and cease any attempts to collect on these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield and associates keeps putting fraudulent collections on my XXXX XXXX report I have reported them and they removed it once but now yet again they are trying to put the same XXXX collections that are not mine on my report. It has caused loss of potential business opportunities please remove these collections that arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Misspell names and old address kept showing 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 2025-04-04 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: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting from XXXX on my Experian report. The account was settled and closed in XXXX, but it is still showing a false last payment date of XX/XX/XXXX and charge-offs reported monthly throughout XXXX and XXXX. 

This is factually incorrect and misleading, as there were no payments, activity, or updates after the account was resolved. The repeated charge-off reporting after closure violates the Fair Credit Reporting Act and is severely impacting my credit. 

I have already disputed this with Experian, but they failed to correct the information. I am requesting either a correction to reflect the proper closure and payment timeline, or full deletion of the tradeline if accurate reporting can not be confirmed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One XXXX XXXX XXXX Capital One XXXX XXXX XXXX Capital One inquiry XXXX XXXX Capital One XXXX XXXX XXXX  These should not be on my file as I already have XXXX Capital One credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
This is a collections bill that I received due to a possible error with my XXXX XXXX. I reached out to the radiology company and they told me that it was written off, but that everything was paid. The collections agency I spoke with multiple people and explained to them that it is a XXXX XXXX. claim and that they can not go after me for it due to the fact that everything was to be paid. This has not been resolved and Ive spoken with them multiple times they have texted me multiple times even after I explained to a supervisor that this is a XXXX XXXX. case. At this point, it is harassment and Im pretty much over it.

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My personal information was compromised during a data breach, and as a result, my identity was stolen. This has caused significant distress, and I have already taken steps to secure my information, including reporting the theft to the appropriate authorities and placing fraud alerts on my credit files. 

As part of the process of reporting the theft, I have also received a Personal Identification Number ( PIN ) from the IRS to protect my tax records from further misuse. I am in the process of working with law enforcement and credit reporting agencies to resolve the issue and to safeguard my identity going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am disputing a debt reported by LVNV Funding LLC on my credit report. I requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ) on XX/XX/XXXX, and they only responded with a generic summary sheetnot proper validation such as a signed agreement, a detailed accounting, or documentation proving they own the debt. 

I disputed the account with all three credit bureaus ( XXXX, XXXX, and XXXX ), and they all responded stating the item was " verified and updated, '' yet they failed to provide any documentation showing how it was verified. 

Furthermore, the alleged debt originates from XXXX XXXX with a last payment made on XX/XX/XXXX. UndeXXXX XXXX law, the statute of limitations for credit card debt is XXXX years. As of XX/XX/XXXX, this debt is time-barred, yet LVNV continues to report it negatively and damage my credit score.

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

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
I have reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Was informed that I would be subjected to garnishment from my employer and that my employment would be restricted by a certain period of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding the credit reporting practices of Equifax, specifically in relation to an investigation they conducted into disputed accounts on my credit report. This investigation took over 30 days, during which time Equifax failed to adequately verify the information in accordance with the Fair Credit Reporting Act ( FCRA ). They have listed certain accounts as " verified '' without obtaining or reviewing proper documentation to substantiate the creditor 's claims. Instead, Equifax appears to have relied solely on the creditors word without providing any verifiable proof or documentation that these accounts are legitimate. 
According to the FCRA, particularly Sections 1681i and 1681s-2, a consumer is entitled to have inaccurate or unverifiable information corrected or removed from their credit report. Equifaxs handling of this matter is in direct violation of these provisions, as they have failed to conduct a proper investigation, and have allowed accounts to remain on my credit report based solely on the creditors assertion without any supporting evidence. Furthermore, the failure to properly investigate and resolve this dispute is affecting my credit score and, more importantly, my livelihood. 
I demand that these accounts be deleted immediately from my credit report, as they are not substantiated by adequate documentation. I also request that Equifax conducts a complete and thorough investigation into the validity of all disputed accounts, as per the laws and regulations outlined under the FCRA. Please note that Equifaxs actions have resulted in significant financial and emotional distress, and I urge your office to intervene in order to ensure that my rights as a consumer are protected.

In addition, I would like to remind the Consumer Financial Protection Bureau that Equifaxs failure to adhere to the proper procedures for credit reporting may also be a violation of the Consumer Financial Protection Act, which is designed to protect consumers from unfair, deceptive, or abusive practices in the financial marketplace. 
I look forward to your prompt attention to this matter and trust that you will take the necessary steps to address this violation. Please contact me should you require any further documentation or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - [ List disputed accounts, including the account numbers, company name, and reason for dispute. ] As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : - [ List disputed inquiries, including company name and inquiry date. ] Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - [ List disputed accounts, including the account numbers, company name, and reason for dispute. ] As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : - [ List disputed inquiries, including company name and inquiry date. ] Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
I checked my credit report this morning and was alarmed to find inaccurate accounts listed. I have no idea how they got there since I review my report regularly. I even tried refreshing my browser in case it was a display error, but the incorrect accounts did not disappear. Due to this, I am requesting a careful review of the documents I have submitted so I can have peace of mind regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
It is about my previous complaint # XXXX. ( you can find all the details there ) Company did not do what they promised ( which is monetary relief ) and when I contacted them they denied their letter ( they sent a letter stating that they ganna pay me the agreed amount ) and they said they not ganna pay nothing. 

Please advise,

Company response to consumer: Closed with non-monetary relief