vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: NJ

Complaint narrative:
I am demanding the immediate correction of the inaccurate personal information on my credit report. My correct and complete name is XXXX XXXX XXXX XXXX, and my current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are legally required to ensure maximum possible accuracy in credit reports. Furthermore, 15 U.S.C. 1681b mandates that consumer information must only be reported for a permissible purpose. The continued presence of incorrect name variations and outdated or inaccurate addresses is unacceptable, unlawful, and must be corrected without delay. I demand the immediate removal and update of all incorrect personal information to reflect only my accurate details. Failure to take swift action will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to liability of {$1000.00} per violation. I expect immediate compliance to ensure my credit file accurately reflects my identity, and I will take further action if these errors are not corrected at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I was paying the credits cards, up until covid occurred and my job was shut down, so due to no income I was unable to make any payment! I notified companies to let them know due to covid I was out of work, they said they would charged off, but other companies brought the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I filed a dispute with Experian ( certified mail # XXXX XXXX XXXX XXXX XXXX XXXX ) regarding an inaccurate and unverifiable XXXX XXXX account on my credit report. Supporting documentation was provided of all the inaccuracies among all credit reports. On XX/XX/year> Experian concluded that the information that they are posting in my credit report the information being furnished by XXXX XXXX meets the requirements of the FCRA. The following note was added on my credit report : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) ''. My dispute outlined over XXXX inaccuracies with this XXXX Account among all three credit reports. Experian did not perform a reasonable investigation into my dispute. See the attached supporting documentation with all the inaccuracies and their unfair deceptive tactics of re-aging 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 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I want to dispute my credit hard inquiries because the XXXX dealership of XXXX applied for an auto loan with more than XXXX inquires I asked them to pull, they applied with Bank of America, XXXX XXXX XXXX, Ally, XXXX XXXX, and 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 2025-03-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, Equifax and Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Dismissed Bankruptcy Dear Sir/Madam, I am writing to formally request the removal of a dismissed bankruptcy from my credit report. According to my records, the bankruptcy # Ref Reference Number XXXX, filed on XXXX XXXX, XXXX, was dismissed more than XXXX years ago and did not result in a discharge of any debts. 
Since this bankruptcy was not completed and has had no financial impact on creditors, I believe it is unfair for it to continue appearing on my credit report. Additionally, considering the amount of time that has passed, I respectfully request that it be removed to more accurately reflect my current financial situation. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all reported information is accurate, complete, and relevant. Given that dismissed bankruptcies hold far less weight over time and that this record is now over XXXX years old, I kindly request its removal from my credit file. 
I have attached copies of relevant documents confirming the dismissal of the case, along with a copy of my identification for verification purposes. I appreciate your prompt attention to this request and look forward to your confirmation of the update to my credit report. 
If you require any additional information or documentation, please let me know. I expect your response within the legally required XXXX period as mandated by the Fair Credit Reporting Act ( FCRA ). 
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 2025-03-06 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. the account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX  I'm am now requesting that this matter to be investigated and information to be provided to with verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-03-05 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand my late payments be updated to paid on time according to these US laws.

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 2025-03-06 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: SC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand my late payments be updated to paid on time according to these US laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-05 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: FL

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 2025-03-05 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: NC

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations To Whom It May Concern, I am writing to formally demand the immediate removal of negative, outdated, inaccurate, and unverifiable information from my credit profile as a result of a recent data breach, which has led to the violation of my privacy rights. I am requesting this action in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the guidelines established by the Consumer Financial Protection Bureau ( CFPB ). 
As a consumer, I am entitled to accurate, complete, and up-to-date information being reported to the credit bureaus. The data breach in question, along with its resulting fraudulent activities, has compromised my privacy and caused significant harm to my creditworthiness. In light of this, I am demanding the following actions to be taken immediately : Immediate Removal of Negative Information : Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately, especially those items resulting from the data breach or fraudulent activity. I expect all such entries to be corrected and updated to reflect accurate and legitimate data only.

Cease Reporting on Data Breach-Related Accounts : Cease all reporting of any accounts that are directly related to the data-breach incident or fraudulent activities. These accounts are the result of violations of my privacy rights and should not be reflected in my credit report. 
Provide Updated Credit Report : Provide me with a new, corrected copy of my credit report showing all updates and changes, including the removal of negative information as requested. 
Unfreeze My Credit Profile : If my credit profile is currently frozen due to the data breach or as a protective measure, I demand that it be unfrozen immediately so I can have full access to my credit information and ensure no further harm comes from the situation. 
Please consider this letter as a formal request for the prompt correction of my credit profile in accordance with the laws mentioned above. I expect to receive a response within the statutory time frame established by the FCRA, which is 30 days from the receipt of this request. 
Failure to resolve this issue in a timely manner may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking remedy through the appropriate legal channels. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is reported by " XXXX, '' and it is reflecting inaccurate and unverifiable information. 
The details of the disputed account are as follows : Creditor Name : XXXX I am disputing this account on the basis of the following legal grounds : Failure to Maintain Accurate Reporting - Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The conflicting reporting dates, as well as the continued reporting of a closed and paid account, indicate an error. 


Outdated Information Reported- If Equifax is reporting this account until XXXX while it has been closed and paid, this may be a violation of the permissible reporting period under FCRA 15 U.S.C. 1681c ( a ).

Failure to Verify Information Upon Dispute - 15 U.S.C. 1681i mandates that credit bureaus conduct a proper reinvestigation. I request that you obtain original account documentation to verify its accuracy.

I request the following actions : Conduct an investigation as required by the FCRA.

Provide me with documentation verifying the accuracy of the account.

If you can not verify the accuracy, remove this account immediately.

Failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under the FCRA. I expect a response within 30 days as required by law.

Please send your findings to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is reported by " XXXX, '' and it is reflecting inaccurate and unverifiable information. 
The details of the disputed account are as follows : Creditor Name : XXXX I am disputing this account on the basis of the following legal grounds : Failure to Maintain Accurate Reporting - Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The conflicting reporting dates, as well as the continued reporting of a closed and paid account, indicate an error. 


Outdated Information Reported- If Equifax is reporting this account until XXXX while it has been closed and paid, this may be a violation of the permissible reporting period under FCRA 15 U.S.C. 1681c ( a ).

Failure to Verify Information Upon Dispute - 15 U.S.C. 1681i mandates that credit bureaus conduct a proper reinvestigation. I request that you obtain original account documentation to verify its accuracy.

I request the following actions : Conduct an investigation as required by the FCRA.

Provide me with documentation verifying the accuracy of the account.

If you can not verify the accuracy, remove this account immediately.

Failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under the FCRA. I expect a response within 30 days as required by law.

Please send your findings to my 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
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This account is not mine. The address, phone number, and name does not even match. I requested them to delete it and have not received any information in regards to the 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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute a charge-off account with American Express that is currently being pursued by a third-party debt collector. The account was reported as a charge-off ; however, I have not received the required 1099-C Cancellation of Debt form, which is a legal obligation when a creditor forgives or cancels a debt of {$600.00} or more. By failing to issue this form, American Express is not in compliance with IRS regulations, as this unreported debt is being treated as income to me. As a result, this creates a significant tax implication and is not only an error in reporting but also an issue that could potentially affect my tax filings. The two amounts are {$2600.00}, and {$7000.00}

Company response to consumer: Closed with explanation