vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report, as governed by 15 USC 16c-2. I believe that the information in question is not accurate and is causing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Pulled credit when I didn't authorize XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> 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 2025-02-11 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:
Pulled credit when I didn't authorize XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Violation of the Fair Credit Reporting Act ( FCRA ) Dear Experian Consumer Services, I am writing to dispute inaccuracies on my credit report that I recently reviewed. 
Specically, I found transactions reported that are excluded under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( A ) ( i ).

As dened by the FCRA, the term " consumer report '' does not include information solely related to transactions or experiences between the consumer and the party providing the report. Such information is excluded unless it directly impacts the consumers creditworthiness or nancial capacity. 
Furthermore, neither FICO scores nor other risk algorithms used to calculate credit scores are considered part of a " consumer report. '' The FCRA denes a consumer report as any communication about a consumers creditworthiness, credit standing, character, or reputation, which is used to determine eligibility for credit, insurance, employment, or other lawful purposes under 15 USC 1681b.

In light of this, the reporting of transactions or experiences between myself ( the consumer ) and any company ( the furnisher ) is a violation of the FCRA. The inclusion of FICO or XXXX data, which are not part of a consumer report, further substantiates that this reporting is inaccurate and unlawful. 
Additionally, I have identied an erroneous late payment on my credit report for the following account, despite my payments being made on time : XXXX XXXX XXXX XXXX XX/XX/XXXX This late payment charge appears to be a result of either a billing error or a deliberate attempt to impose unjust fees. My payments were made timely and accurately, and this inaccurate reporting has negatively impacted my credit reputation and personal well-being. 
Therefore, I request the immediate removal of the following late payment entry from my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX As per 15 USC 1666b ( a ), a creditor can not treat a payment on an open-end consumer credit plan as late when the payment is made on time. These erroneous late entries violate this provision. 
I respectfully request that you correct these inaccuracies by removing the fraudulent late payments from my report. Should you fail to do so, I will be forced to take further action to protect my rights under the FCRA. 
Thank you for your prompt 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I was sitting at my desk today, XX/XX/year>, and I got a notification from one of my credit card issuers that there was a new action on my credit, so I opened it up and it says there is a new collection from United Collection Bureau for {$1400.00}. It says it was reported on XX/XX/year>, with no past due reported. I have no idea what this is for, I have received zero letters regarding this and it says it is 10 months old. I believe by law I am supposed to receive an opportunity to review and respond to the alleged debt, but this has hit my XXXX account, not sure of the other two bureaus. Naturally I am upset as I have no way to see if this is my debt, which I don't think it is, as my credit is very clean and over XXXX score. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have disputed a collection account on my credit report multiple times with XXXX XXXX. They have not provided sufficient documentation to validate this debt. Despite my requests, they continue to report it as a charge-off without proper verification. The only response Ive received is a generic account statement, which does not prove ownership of the debt. This account was settled, and I request that it be removed from my credit report immediately due to their failure to provide adequate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-02-11 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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$260.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00}

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 non-monetary relief
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
CFPB HAS NOT INVESTIGATED ANY OF MY COMPLAINTS ON THEM LETTING THE XXXX BUREAUS GET AWAY WITH HARMFUL BAD BUSINESS PRACTICES FOR ALONG TIME. THIS NEEDS TO BE ADDRESSED ASAP. I FILED A COMPLAINT ON CFPB TO FTC ALREADY, AND WILL FILE ANOTHER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX 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 2025-02-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-11 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: TX

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate and remove inaccurate and unverifiable collection accounts from my credit report. Despite multiple dispute letters, Equifax has failed to provide verification or remove these accounts, violating the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report.

15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within XXXX  days.

15 USC 1681s-2 Furnishers failed to verify or correct inaccurate information.

15 USC 1681i ( 5 ) ( B ) ( i ) Reinserted accounts without notifying me within XXXX  business days.

Disputed Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Account Number : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX  XXXX  XXXX  ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX Violation : Inclusion of obsolete/inaccurate information. 
XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Violation : Failure to conduct a proper investigation. 
Additional Legal Violation : {$1000.00} Fine for XXXX XXXX Equifax is also in violation of 15 USC 1681n, which states that any consumer reporting agency that willfully fails to comply with the Fair Credit Reporting Act ( FCRA ) is liable for : Actual damages or statutory damages of up to {$1000.00} per violation Punitive damages as determined by the court Attorney fees and court costs By knowingly reporting false, inaccurate, or unverifiable information on my credit report, Equifax has willfully violated the FCRA, and I reserve the right to pursue legal action to seek compensation for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-11 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:
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 XXXX 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 : 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  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
someone opened several accounts using my information and I filed a police report and submitted it to all 3 credit bureaus and nothing has been done the accounts are still sitting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
someone opened several accounts using my information and I filed a police report and submitted it to all 3 credit bureaus and nothing has been done the accounts are still sitting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

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 non-monetary relief
Consumer complaint received 2025-02-11 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: AL

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 2025-02-12 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:
Date : XXXX To : Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report Violations of U.S. Laws Dear Equifax Representatives, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under U.S. law regarding the accuracy and protection of consumer information.

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting another complaint to EXPERIAN for allowing SOMEONE ELSE access to my account. Said person on XX/XX/year> added contact information onto my account that is NOT MINE, was able to remove my credit freeze, and due to this BREACH OF SECURITY, they were able to apply and receive another credit report for an account they applied to with my information. I AM APPAULLED that this has happened TWICE in the past XXXX WEEKS! 

I want an actual answer for why phone number ( XXXX ) XXXX has been able to BREAK INTO MY ACCOUNT TWICE.

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 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Report on my Credit. This is a 2017 account. My XXXX  XXXX XXXX was totaled. The insurance and XXXX XXXX paid this 2017 account off. An insurance settlement was reached. It Goes off and then continues to reappear on my report. XXXX XXXX XXXX XXXX is now reporting this account.

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 2025-02-11 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: AR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Report on my Credit. This is a 2017 account. My XXXX  XXXX XXXX was totaled. The insurance and XXXX XXXX paid this 2017 account off. An insurance settlement was reached. It Goes off and then continues to reappear on my report. XXXX XXXX XXXX XXXX is now reporting this account.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-11 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: CA

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 explanation