vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: NH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-17 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: MT

Complaint narrative:
Today on XX/XX/XXXX I recieved a copy of a background check from Asurint that has an incorrect criminal conviction on it. 

It states that on XX/XX/year> i recieved a misdemeanor criminal charges for not wearing a seat belt out of XXXX XXXX in Montana. 

This is incorrect because under Montana XXXXtate law MCA 61-13-104 a seatbelt violation is Not a crime especially not a misdemeanor, and it is specifically illegal for a seatbelt violation to be reported on a criminal background check.

I asked Asurint to remove the conviction and inform the company they ran the check for that it is incorrect and should not be on the report. 

I emailed them and called them and left a message and am still waiting for their reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and found the following inaccuracies : - [ List specific accounts, including account numbers and any other pertinent information, along with details about why they are inaccurate. ] According to the FCRA, you are required to maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, I have the right to dispute any inaccurate information on my credit report, and you must investigate the disputed items ( 15 U.S.C. 1681i ). 

Based on the recent lawsuit involving XXXX and XXXX, which highlights serious issues of negligence in reporting, I urge you to take my dispute seriously and conduct a thorough investigation. It is crucial that you verify the accuracy of the reported information and remove any entries that can not be substantiated. 

Please conduct your investigation in accordance with the FCRA and provide me with the results promptly. I also request that you send me an updated copy of my credit report once you have completed your investigation. 

Enclosed are copies of relevant documents supporting my position ( e.g., previous correspondence, statements, or any other evidence ). 

Thank you for your attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of ( multiple late payments/late payment ) by the creditors/this creditor to ( insert bureau name here ) . According to their records, several payments/a payment are/is falsely reported as late. These/This alleged late payment/s were/was made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiries Dispute FCRA Violation Dear XXXX, I am filing a formal complaint regarding the presence of unauthorized hard inquiries on my personal credit report with Equifax. Upon reviewing my report, I have identified multiple entities that have accessed my personal credit without my authorization or a permissible purpose, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ).

Details of the Unauthorized Hard Inquiries The following hard inquiries appear on my personal credit report without my explicit consent and without any active account associated with them : XXXX XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( Equifax ) XXXX  XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( Equifax ) These hard inquiries were made without my authorization, and no credit account was opened following these inquiries to justify their presence on my report. According to the FCRA, a creditor may only access my personal credit report if : 1. I applied for credit under my Social Security Number ( SSN ).

2. I provided explicit authorization for the inquiry.

3. An account was opened and linked to the inquiry.

None of these conditions apply in this case. 

Specific Violations of the FCRA 1. 15 U.S.C. 1681b ( f ) Lack of Permissible Purpose XXXX, XXXX, and XXXX accessed my personal credit report without authorization and without a permissible purpose since I did not apply for credit under my SSN and have no accounts with these entities.

2. 15 U.S.C. 1681i Equifaxs Failure to Verify Equifax is required to verify the legality of these inquiries and provide documented proof that I authorized each one.

If Equifax can not present verifiable evidence, it must remove these hard inquiries immediately.

3. 15 U.S.C. 1681e ( b ) Inaccurate Information in My Report Equifax must ensure the accuracy of the data reported.

No active account exists with XXXX, XXXX, or XXXX  on my credit report, confirming that these inquiries are inaccurate and must be deleted.

Requested Action I request the immediate removal of these inquiries from my credit report and a written response confirming the correction. As this situation constitutes a serious violation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FLORIDA XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-18 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-18 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: MD

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 Equifax 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 {$16000.00} XXXX XXXXXXXX BALANCED {$180.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX BALANCED {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCED {$3600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1300.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$7900.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Accounts Under 18 U.S.C. 1028A Dear EXPERIAN I am writing to formally dispute and demand the immediate removal of fraudulent and negative accounts appearing on my credit report. Under 18 U.S.C. 1028A, which pertains to aggravated identity theft, I believe that these accounts have been reported as a result of unauthorized use of my personal identifying information.

Upon reviewing my credit report, I have identified the following inaccurate or fraudulent accounts : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These accounts were opened and/or reported without my authorization, and I did not consent to or initiate any of the transactions associated with them. Because identity theft is a serious federal offense under 18 U.S.C. 1028A, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and demanding that these fraudulent accounts be removed from my credit report immediately.

Enclosed, you will find supporting documentation, including : A copy of my police report and/or FTC Identity Theft Report.

I expect a prompt resolution to this matter within the legally required timeframe of 30 days. Failure to comply with this request may result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation once these accounts have been deleted from my credit report. Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-02-18 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: CA

Complaint narrative:
Subject : Dispute of Fraudulent Accounts Under 18 U.S.C. 1028A Dear EXPERIAN I am writing to formally dispute and demand the immediate removal of fraudulent and negative accounts appearing on my credit report. Under 18 U.S.C. 1028A, which pertains to aggravated identity theft, I believe that these accounts have been reported as a result of unauthorized use of my personal identifying information.

Upon reviewing my credit report, I have identified the following inaccurate or fraudulent accounts : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These accounts were opened and/or reported without my authorization, and I did not consent to or initiate any of the transactions associated with them. Because identity theft is a serious federal offense under 18 U.S.C. 1028A, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and demanding that these fraudulent accounts be removed from my credit report immediately.

Enclosed, you will find supporting documentation, including : A copy of my police report and/or FTC Identity Theft Report.

I expect a prompt resolution to this matter within the legally required timeframe of 30 days. Failure to comply with this request may result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation once these accounts have been deleted from my credit report. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
In XX/XX/year> the following request was made. 

I am writing to request validation of the debt referenced above as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for you to provide the information necessary for me to verify the legitimacy of this alleged debt.

Please provide the following : 1. Proof of ownership of the debt, including the original creditors name, and address.

2. A copy of the original signed contract or agreement showing my liability.

3. An itemized statement of the debt, including the amount owed, interest, fees, and how it was calculated.

4. Copies of all correspondence sent to me regarding this debt.

5. Evidence that you are legally authorized to collect this debt in my state. 
Additionally, I have noticed discrepancies in the personal information associated with this account. I ask that you verify the accuracy of all information reported to the credit bureaus and provide documentation to support it. 
While this account is under review, please cease all collection activities, including reporting to the credit bureaus, until this matter is resolved. 
I look forward to receiving the requested documentation within 30 days. If you are unable to provide this information, I respectfully request that you remove the debt from my credit report and cease further contact regarding this matter. 
Thank you for your prompt attention to this matter. I am willing to cooperate once validation of the debt has been provided. You may contact me in writing at the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
In XX/XX/year> the following request was made. 

I am writing to request validation of the debt referenced above as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for you to provide the information necessary for me to verify the legitimacy of this alleged debt.

Please provide the following : 1. Proof of ownership of the debt, including the original creditors name, and address.

2. A copy of the original signed contract or agreement showing my liability.

3. An itemized statement of the debt, including the amount owed, interest, fees, and how it was calculated.

4. Copies of all correspondence sent to me regarding this debt.

5. Evidence that you are legally authorized to collect this debt in my state. 
Additionally, I have noticed discrepancies in the personal information associated with this account. I ask that you verify the accuracy of all information reported to the credit bureaus and provide documentation to support it. 
While this account is under review, please cease all collection activities, including reporting to the credit bureaus, until this matter is resolved. 
I look forward to receiving the requested documentation within 30 days. If you are unable to provide this information, I respectfully request that you remove the debt from my credit report and cease further contact regarding this matter. 
Thank you for your prompt attention to this matter. I am willing to cooperate once validation of the debt has been provided. You may contact me in writing at the address listed above.

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