vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I previously disputed inaccurate information on my Equifax credit report regarding several accounts that were charged off but continued to have late payments reported after the charge-off date. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), as it misrepresents the account status and unfairly damages my credit score.

Other creditors and credit bureaus are not reporting these late payments, which further proves this is an error. Equifax must correct this inaccurate reporting to remain compliant with the FCRA. '' Despite my formal dispute, Equifax has failed to correct or remove the inaccurate information. I am now escalating this matter to the CFPB for enforcement action.

The following accounts were charged off but continue to be updated with late payments after the charge-off date, which is illegal and misleading under FCRA : XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX XXXX XXXX  Charge-off date : XX/XX/XXXX, Late payments reported after. 

XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Status : Charged-Off ( Closed XX/XX/XXXX ) Violation : Late payments reported after charge-off ( Delinquency First Reported XX/XX/XXXX ) Reporting Late Payments After Charge-Off This is misleading and violates FCRA 15 U.S.C. 1681s-2 ( a ).

Re-Aging of Debt The original delinquency date should remain unchanged, but Equifax has allowed the creditors to report new late payments after charge-off.

Failure to Correct Errors After Dispute Equifax did not correct the issue after my dispute, violating FCRA 15 U.S.C. 1681i.

Investigate Equifaxs failure to correct these violations.

Require Equifax to immediately remove the inaccurate late payment reporting after charge-off.

Impose penalties or sanctions for noncompliance.

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 2025-03-07 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:
I previously disputed inaccurate information on my Equifax credit report regarding several accounts that were charged off but continued to have late payments reported after the charge-off date. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), as it misrepresents the account status and unfairly damages my credit score.

Other creditors and credit bureaus are not reporting these late payments, which further proves this is an error. Equifax must correct this inaccurate reporting to remain compliant with the FCRA. '' Despite my formal dispute, Equifax has failed to correct or remove the inaccurate information. I am now escalating this matter to the CFPB for enforcement action.

The following accounts were charged off but continue to be updated with late payments after the charge-off date, which is illegal and misleading under FCRA : XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX Charge-off date : XX/XX/XXXX, Late payments reported after. 
XXXX XXXX XXXX XXXX  Charge-off date : XX/XX/XXXX, Late payments reported after. 

XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Status : Charged-Off ( Closed XX/XX/XXXX ) Violation : Late payments reported after charge-off ( Delinquency First Reported XX/XX/XXXX ) Reporting Late Payments After Charge-Off This is misleading and violates FCRA 15 U.S.C. 1681s-2 ( a ).

Re-Aging of Debt The original delinquency date should remain unchanged, but Equifax has allowed the creditors to report new late payments after charge-off.

Failure to Correct Errors After Dispute Equifax did not correct the issue after my dispute, violating FCRA 15 U.S.C. 1681i.

Investigate Equifaxs failure to correct these violations.

Require Equifax to immediately remove the inaccurate late payment reporting after charge-off.

Impose penalties or sanctions for noncompliance.

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-07 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: WA

Complaint narrative:
I formally disputed fraudulent accounts on my credit report on XX/XX/XXXX and XX/XX/XXXX These accounts were opened without my authorization during a period when I was a victim of XXXX XXXX 

1. Auto Loan in the amount of {$43000.00} I have followed the proper dispute process, providing all necessary documentation, including proof of my XXXX history and any supporting legal documents. Despite this, the accounts remain on my credit report, preventing me from moving forward with stable housing. 

I am requesting immediate intervention to have these accounts removed, as they are a direct result of my XXXX experience and are creating unnecessary barriers to my recovery and stability. Please let me know what additional steps I need to take to resolve this matter as soon as possible.

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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collection & Out for : XXXXXXXX XXXX Amount : {$160.00} I called the debt collector and explained to them that the debt is invalid since the original claimant said that I didn't have to pay anything. That was on XX/XX/year>.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Debt was created under unfair practices of case mismanagement and lack of timely communication and correspondence. Debt was not created by me and I dispute the validity of the debt. The lack of business ethical business practices and lack of integrity from the office staff in my experience shows that this debt is unfair and wrongly created to save face by the same office staff who did mismanaged my case. Consumer reporting practices did not allow me to exercise my consumer right to request the removal of debt at my request, rather than to continue reporting the debt based off of third party reporting practices. I did not report this information or debt directly to the reporting agency and have seen some reporting inconsistencies in my credit file.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> NONE OF THESE WERE AUTHORIZED BY 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 2025-03-07 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: IL

Complaint narrative:
Ive sent documentation to each credit agency XXXX, Experian, and XXXX far as these unauthorized hard inquiries on my credit report. Ive been contacting Experian each day since XXXX XXXX Im Unable to speak with someone each time I call Im on hold for more than XXXX minutes. Ive contacted them numerous of times unlike XXXX, and XXXX Im able to Speak with someone. Experian isnt taking this matter seriously Ive sent them my complaint, along with my ftc report, with my identification such as my drivers license and social security card. Ive spoke with someone XXXX XXXX at XXXX XXXX  he answered and stated they are closed they will contact tomorrow after being on hold For XXXX minutes this is continuous behavior Im not sure how would I speak to someone at Experian. 
These UNAUTHORIZED HARD INQUIRIES MUST BE REMOVED ACCORDING TO THE FCRA UNAUTHORIZED HARD INQUIRES MUST BE REMOVED. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-03-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am a victim of identity theft FTC report number ( XXXX ) The information listed below, which appears on my credit report, is the result of Identity theft ACCOUNTS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX DATE OPENED : XX/XX/XXXX ACCOUNT # XXXX DATE OPENED : XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 
1681c-2 states if a breach is present accounts will be removed in XXXX  days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to formally request an investigation into fraudulent accounts and inaccuracies appearing on my credit report due to identity theft. Despite multiple attempts to resolve these issues with the credit reporting agencies and data furnishers, my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated. 

Complaint Details : Personal Information Compromised : Social Security Number : * -- XXXX FTC Identity Theft Report Number : XXXX I am a victim of multiple data breaches, including : Equifax ( XXXX ) - XXXX XXXX Social Security numbers and personal data exposed. 

XXXX ( XXXX ) - XXXX XXXX records leaked, including passport numbers. 

Experian ( XXXX ) - Millions of Social Security numbers and credit histories compromised. 

Fraudulent and Inaccurate Information : Unauthorized accounts have been opened in my name. 

Hard inquiries I did not authorize. 

Incorrect personal information that has not been updated. 

Violations of Federal Law : 15 U.S.C. 1681i ( a ) ( 6 ) - Failure to provide the method of verification.

15 U.S.C. 1681c-2 - Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) - Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 - Failure of data furnishers to ensure accuracy in reporting.

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 2025-03-07 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: OH

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> NONE OF THESE WERE AUTHORIZED BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OH

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> NONE OF THESE WERE AUTHORIZED BY 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 2025-03-07 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: AL

Complaint narrative:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Evictions were reported from a company I have no knowledge of and they also reported things on my credit without my permission basically violating my privacy

Company response to consumer: Closed with explanation