vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have attempted to get corrections done to my credit report with Experian on 3 separate occasions to include investigations into inaccurate information, old accounts not being removed, incorrect reported information etc. Experian never makes the corrections or updates the reports but states they did.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Catch XXXX situation, Ive paid off XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  and my credit score goes no where, I do a credit inquiry, my score drops XXXX points immediately. You cant win with these people.

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 2025-01-29 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 recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as XXXX, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent. 

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
XXXX Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( TransUnion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ) to have this account removed from my report. 
I contacted XXXX to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.

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 2025-01-29 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 recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as XXXX, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent. 

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
XXXX Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax Inc. ) to have this account removed from my report. 
I contacted XXXX to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as XXXX, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent. 

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
EXPERIAN.COM Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( XXXX XXXX, Experian Information Solutions XXXX Inc., and XXXX XXXX ) to have this account removed from my report. 
I contacted XXXX to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.

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 2025-01-29 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Incorrect Names on my account XXXX XXXX XXXX XXXX Also addresses ive never lived in XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am writing to formally dispute your failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, my credit file still reflects a late payment from XX/XX/year>, despite the fact that XXXX has already corrected this inaccuracy after properly verifying it with the data furnisher. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, credit reporting agencies are required to conduct a fair and thorough reinvestigation of disputed information. If XXXX was able to verify with the data furnisher that the payment was on time, then Experian and XXXX should both reflect identical, accurate information. Your continued reporting of this incorrect late payment demonstrates noncompliance with your obligations under federal law. 

I demand that you immediately : Reinvestigate this matter with the data furnisher and ensure the accurate reporting of my payment history. 
Update my credit report to reflect that my XX/XX/year> payment was on time. 
Provide me with an updated credit report reflecting these corrections. 
Provide a detailed explanation of how this information was " verified '' in your previous investigation. 
I have attached the following supporting documents : A copy of my updated XXXX credit report, showing that the late payment has been removed. 
Prior dispute correspondence. 
A copy of my identification for verification purposes. 
Failure to properly correct this inaccuracy will result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking all legal remedies available to me under 15 USC 1681n for willful noncompliance.

I expect a response within the 15-day period required by law. Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OneMain Finance Corporation
State: WA

Complaint narrative:
my personal information has been jeopardized I didn't give permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: HI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Recently my direct deposit failed due to an error on my employer 's fault which caused a failed payment to the this card. The company immediately closed my account and refused to reopen despite the failed payment being no fault of my own.

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 2025-01-29 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: The CBE Group, Inc.
State: MA

Complaint narrative:
To Whom It May Concern : This letter is regarding account # XXXX which you claim I owe {$160.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 of SS XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date : XX/XX/XXXX Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Demand Regarding False Debt Claim Dear Jefferson Capital Systems LLC : I am writing regarding the repeated collection notices I have received from your company concerning an alleged debt. I do not owe this debt, and I am formally requesting that you immediately cease all communication and collection efforts regarding this matter, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Details of the Issue Amount of Alleged Debt : {$12000.00} Date of Collection Notices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This debt does not belong to me. I have no knowledge of this debt, nor have I entered into any agreement or contract with the original creditor. I am disputing the validity of the claim and demand that your company cease all attempts to collect this debt from me immediately. 
FDCPA Violations Pursuant to the FDCPA, you are prohibited from : Attempting to collect a debt that is not valid or does not belong to the consumer.

Misrepresenting the character, amount, or legal status of a debt. 
Contacting a consumer after receiving a written notice to cease communication. 
What I Am Requesting Immediately cease and desist all collection activity related to this alleged debt. 
Provide written confirmation that you will not contact me again regarding this matter. 
If you believe this debt is valid, provide written documentation verifying the original creditor, the amount owed, and evidence that I am responsible for this debt. 
Failure to comply with this demand will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to take legal action to protect myself from further harassment and damages caused by your attempts to collect a debt I do not owe.

Legal Notice This letter is not an acknowledgment of the validity of the alleged debt, nor is it an agreement to pay. Any further communication from your company must be in writing. You are expressly prohibited from contacting me via phone, email, or any other means other than written correspondence. 

Please confirm receipt of this letter and provide a written response no later than 30 days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
XXXX is incorrectly showing a date of 1st delinquency which affects how long the account stays on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: LEXISNEXIS
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of XX/XX/XXXX, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation