vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-06 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: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I mailed a written dispute to this credit bureau requesting that inaccurate information on my credit report should be validated and updated immediately. This credit bureau responded back with a letter claiming that they did not believe this dispute was sent by me and that I would have to call and verify my identity with them, I proceeded to call and verify my identity and after spending countless time over the phone being transferred back and forth, I still was unable to get any real help with this issue. I am requesting that the negative and inaccurate information on my credit report is immediately deleted. Per the Fair Credit Reporting Act, this company had XXXX days to validate this request and update my credit report but they failed to maintain protocol that follows the laws set forth in the Fair Credit Reporting Act, failing to meet these requirements, any information disputed should be immediately deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX Amount : XXXX Company called me & I told I couldnt pay because I have a lot going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
Ii sent a letter to Experian to remove debt from my credit report that companies cancelled the dest and sent a 1099 C cancellation of debt. Experian has violated my consumer rights by not removing the debt from my credit report. Experian has not rincreased my credit report score after I sent them notification of the cancellation of debt documents.

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 2025-01-06 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, 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 a Accounts 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 {$430.00}. These accounts 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$590.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$430.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
The credit reporting agency funished debts that are paid and have not been validated or verified and inquiries that have no permissable purpose on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have my coinbase account being link with my XXXX XXXX account. On XXXX XXXX XXXX. They transfered {$8000.00} from XXXX XXXX to coinbase then they sold all my crypto and they added an other wells fargo account to my coinbase to transfer over XXXX dollars. I m very concern about my both account and get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 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:
in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX XXXX XXXX account XXXX : XXXX account name : XXXX XXXX XXXX XXXX XXXX : XXXX account name : XXXX XXXXXXXX XXXX XXXX XXXX account num : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written insturctions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. no consumer reporting agency my make any consumer report containing any ot the following items of information Any other adverse item of informationother than records of convictions of crimes which anledates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe thatvthe information is inaccurate

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 2025-01-05 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: CA

Complaint narrative:
in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX XXXXXXXX XXXX. account XXXX : XXXX account name : XXXX XXXX XXXX XXXX XXXX : XXXX account name : XXXX XXXXXXXX XXXX XXXX XXXX account num : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written insturctions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. no consumer reporting agency my make any consumer report containing any ot the following items of information Any other adverse item of informationother than records of convictions of crimes which anledates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe thatvthe information is inaccurate

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Immediate Removal of Inaccurate Bankruptcy from My Credit Report Reference number : XXXX Record type : XXXX XXXX XXXXXXXX Court : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate removal of an inaccurate bankruptcy reporting on my credit file under the provisions of federal law. This erroneous information has caused significant harm to my financial standing and is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes. 

As per 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may not furnish a credit report without a permissible purpose. This includes ensuring all information provided is accurate and verifiable. The reporting of this bankruptcy does not meet these standards. 

Under 15 U.S.C. 1681q, knowingly and willfully reporting false or inaccurate information is unlawful. Your failure to verify the accuracy of this bankruptcy entry demonstrates either gross negligence or intentional misconduct, both of which violate this statute. 

Furthermore, 18 U.S.C. 1028A provides for severe penalties for identity theft and fraudulent use of personal information. If this bankruptcy resulted from fraud or misrepresentation, your failure to investigate and correct this entry implicates you in enabling such violations. 

Lastly, 15 U.S.C. 1681c-2 gives me the right to block information on my credit report resulting from identity theft or fraud. I demand you immediately investigate this inaccurate bankruptcy and remove it without delay. 

I expect a prompt investigation and written confirmation of the removal of this inaccurate information within the next XXXX days, as mandated by law. Failing to comply will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This letter serves as formal notice that I will pursue legal action to protect my rights if necessary. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Enclosures : Copy of Government-Issued ID utility bill for Address verification Letter from the United States 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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I have received a letter from Commercial Trade Inc regarding a debt I owe. 
I called them on the same day at XXXX and was told the debt was regarding a damage gate I had run in with my car. That invoices where send to my address for payment ( those were never received in any form ). A police report As filed and they had a copy of it. I couldn't get more information, and was told that I know what I did On XXXX XXXX, I send them a letter disputing that debt I didn't know recognized or owe, asking for detail about the creditor, copy of the police report also. 
As of today, XX/XX/XXXX, I have never received an answer. Also, as of today, I found that the debt was reported to the credit bureau on XX/XX/XXXX. My letter specifically says to not report the debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
Per the Family and Privacy Act of 1974, my privacy was violated per 34 CFR99 which states Directory information includes, but is not limited to, the student 's name ; address ; telephone listing ; electronic mail address ; photograph ; date and place of birth ; major field of study ; grade level ; enrollment status ( e.g., undergraduate or graduate, full-time or part-time ) ; dates of attendance ; participation in officially recognized activities and sports ; weight and height of members of athletic teams ; degrees, honors, and awards received ; and the most recent educational agency or institution attended.

( b ) Directory information does not include a student 's ( 1 ) Social security number; or ( 2 ) Student identification ( ID ) number, except as provided in paragraph ( c ) of this definition. 

( c ) In accordance with paragraphs ( a ) and ( b ) of this definition, directory information includes ( XXXX ) A student ID number, user ID, or other unique personal identifier used by a student for purposes of accessing or communicating in electronic systems, but only if the identifier can not be used to gain access to education records except when used in conjunction with one or more factors that authenticate the user 's identity, such as a personal identification number ( PIN ), password or other factor known or possessed only by the authorized user ; and ( 2 ) A student ID number or other unique personal identifier that is displayed on a student ID badge, but only if the identifier can not be used to gain access to education records except when used in conjunction with one or more factors that authenticate the user 's identity, such as a PIN, password, or other factor known or possessed only by the authorized user.

( Authority : 20 U.S.C. 1232g ( a ) ( 5 ) ( A ) ) Disciplinary action or proceeding means the investigation, adjudication, or imposition of sanctions by an educational agency or institution with respect to an infraction or violation of the internal rules of conduct applicable to students of the agency or institution.

Disclosure means to permit access to or the release, transfer, or other communication of personally identifiable information contained in education records by any means, including oral, written, or electronic means, to any party except the party identified as the party that provided or created the record. 
As a result my rights were violated when my information was given to the credit bureaus regarding my financial information.

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