vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XX/XX/XXXXThe information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 1. XX/XX/XXXXDate of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> 3. XX/XX/XXXXDate of inquiry : XX/XX/year> 4. XXXX Account XXXX : XXXX 5. XXXX XXXX Account XXXX : XXXX 6. XXXX XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX OF XXXX Account Number : XXXX 9. XXXX Account Number : XXXX 10.XX/XX/XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send menotification of the actions taken. I appreciate your prompt 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT BONDAGE, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v. Equifax Information Services LLC ( XXXX XXXX 2018 ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not able to give you exact dates, balances or creditors at this time because I can not get access any if the 3 credit bureaus. I have been disputing approximately XXXX accounts that were opened with my name and social security number for approximately XXXX years. I have paid for identity theft, I have proof that my social security number was part of a data breach and these accounts are on all 3 credit reports as charge offs with my name and social security number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not able to give you exact dates, balances or creditors at this time because I can not get access any if the 3 credit bureaus. I have been disputing approximately XXXX accounts that were opened with my name and social security number for approximately XXXX years. I have paid for identity theft, I have proof that my social security number was part of a data breach and these accounts are on all 3 credit reports as charge offs with my name and social security number

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

Complaint narrative:
Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX XXXX XXXX. ) Equifax Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Equifax many of times that the accounts below are fraudulent. 
XXXX XXXX $ XXXX : XXXX XXXX, XXXX XXXX $ XXXX : XXXX. XXXX, XXXX XXXXXXXX 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 : XX/XX/XXXX Equifax routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes, and has harmed, bullied, and harassed me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an item listed on my credit report. Specifically, I am contesting the validity and accuracy of a debt associated with the following details : Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Line of Credit Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$4100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4100.00} Balance Updated XX/XX/XXXX Recent Payment- Monthly Payment- Credit Limit {$3200.00} Highest Balance {$4400.00} Terms- On Record Until XX/XX/XXXX Under 12 C.F.R. 1006.34, which implements provisions under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation of a debt when a consumer disputes the debt. This regulation mandates that debt collectors validate the information reported, including providing proper documentation to substantiate the existence and amount of the debt.

As I have disputed this debt, I request that transunion investigate this item for accuracy. If the reporting party ( the creditor or collection agency ) is unable to provide verification or validation of this debt, I ask that this entry be removed from my credit report in accordance with 12 C.F.R. 1006.34. 
Additionally, I request that XXXX provide me with the results of your investigation within the 30-day period required by law, along with a copy of any documents provided by the creditor or collection agency that substantiate the validity of this debt.

Please note that under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be corrected or removed. If XXXX is unable to verify this debt, I request that you delete this item from my credit report. 
Thank you for your attention to this matter. I look forward to your response and a resolution of this dispute. Should you require any additional information from my end, please do not hesitate to contact 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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an item listed on my credit report. Specifically, I am contesting the validity and accuracy of a debt associated with the following details : Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Line of Credit Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$4100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4100.00} Balance Updated XX/XX/XXXX Recent Payment- Monthly Payment- Credit Limit {$3200.00} Highest Balance {$4400.00} Terms- On Record Until XX/XX/XXXX Under 12 C.F.R. 1006.34, which implements provisions under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation of a debt when a consumer disputes the debt. This regulation mandates that debt collectors validate the information reported, including providing proper documentation to substantiate the existence and amount of the debt.

As I have disputed this debt, I request that Experian investigate this item for accuracy. If the reporting party ( the creditor or collection agency ) is unable to provide verification or validation of this debt, I ask that this entry be removed from my credit report in accordance with 12 C.F.R. 1006.34.

Additionally, I request that Experian provide me with the results of your investigation within the 30-day period required by law, along with a copy of any documents provided by the creditor or collection agency that substantiate the validity of this debt. 
Please note that under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be corrected or removed. If Experian is unable to verify this debt, I request that you delete this item from my credit report. 
Thank you for your attention to this matter. I look forward to your response and a resolution of this dispute. Should you require any additional information from my end, please do not hesitate to contact 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Accounta name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I see that the listed companies, Experian and XXXX has not responded to my initial dispute of these unauthorized inquiries. Because of this, the dispute must be valid. They have not complied with the FCRA when it comes to responding to my dispute. I demanded that they remove the inaccurate inquiries but they still have not responded after several months. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I dispute all parts of the alleged debt by collection agency ; Midland Credit Management. 
( I have attached a written response to this matter ) I asked that it is reviewed in its entirety and only information I have requested by your agency is provided. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXXXXXX BALANCED {$2100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX BALANCED {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$260.00} Date of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account being reported by TrueAccord Collections that does not belong to me. The account lists XXXX XXXX as the original creditor, but I have never had any obligation to pay XXXX XXXX. On XX/XX/year>, I submitted an FTC report to XXXX XXXX, and they informed me it would take 60 days to remove this information. However, the account is still being reported to XXXX. 

TrueAccord Collections has never contacted me regarding this alleged debt, nor have I received any correspondence about it. I have also attached evidence showing that my information has been compromised in multiple data breaches, further supporting my claim that this account is not mine. 

I am demanding that this account be removed from my credit report within 7 days. Failure to comply will result in legal action for violations of the Fair Debt Collection Practices Act ( FDCPA ), as well as compensation for financial harm and emotional distress caused by this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not able to give you exact dates, balances or creditors at this time because I can not get access any if the 3 credit bureaus. I have been disputing approximately 12 accounts that were opened with my name and social security number for approximately 11 years. I have paid for identity theft, I have proof that my social security number was part of a data breach and these accounts are on all 3 credit reports as charge offs with my name and social security number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
I recently viewed copies of my ( XXXX, XXXX and XXXX ) consumer reports and noticed that XXXX XXXX XXXX, XXXX, XXXX and XXXX are reporting a charge off for the following account ( s ) on the following date ( s ) : Original Creditor listed as XXXX XXXX OF XXXX Account # XXXX with a balance of {$XXXX} reported / last reported XX/XX/2024 A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED.

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