vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ) I ask that the accounts listed below be moved because its clear violation of the fair credit reporting Act section 15 U.S. code 1681i - procedure in the case of Disputing accuracy. I ask that the accounts and inquiries be investigated thoroughly as a result removed 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 2025-02-07 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues. As stated in the CFPB lawsuit, Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. As proven by the lawsuit, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. These failures directly align with my personal experience. This failure is causing inaccurate or unverifiable accounts to be unresolved yet remain on my report. Experian only says that the disputed accounts are " verified and updated '' or " we will not reinvestigate the same dispute again at this time ''. However, Experian has never provided me with ANY PROOF of how the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX account was allegedly verified, the method of verification or PROOF that the company trying to collect on the disputed account even has the LEGAL RIGHT to collect. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lincoln Financial Services
State: TN

Complaint narrative:
I have an annuity with XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I discovered on my 1099 that they mistakenly withdrew State tax ( {$160.00} ). My address, in TN, has been the same for 5 years. I called the company and while they admitted their mistake and corrected it moving forward, I was told they do not refund State tax mistakes. How is this company allowed to keep my money? As a retiree, I believe they are taking advantage of me. They owe these funds to me and should be held accountable for the practice of taking people 's funds.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/scrub>/2020 {$990.00}, XXXX XX/XX/year>2020 {$990.00} XX/XX/XXXX {$410.00} Unknown Collection {$540.00} Unknown Collection {$540.00} XX/XX/XXXX {$0.00} " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2025-02-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA, XXXX XXXX XXXX XXXX/XXXX/2025 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX File # XXXX Equifax XXXX XXXX XXXX XXXX GA, XXXX Report # XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Investigation and Removal of Inaccurate Charge-Off Accounts To Whom It May Concern, I am writing to formally dispute the accuracy of certain charge-off accounts that have been reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be complete, accurate, and verifiable. The following accounts do not meet these legal standards and should be removed immediately : XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXAccount # XXXXXX/XX/XXXXAccount # XXXX These accounts contain incorrect and/or unverifiable information, which violates the provisions set forth by the FCRA. Under Section 609 and 611 of the FCRA, I request a detailed investigation into these accounts, including full documentation proving their validity. If these records can not be verified as 100 % accurate, I demand that they be removed from my credit report immediately.

Additionally, I request that you provide me with all records associated with these charge-off accounts, including signed agreements, payment history, and validation of the reporting. If you can not provide such documentation, you are required by law to remove these inaccurate records from my credit file.

I have attached copies of my identification and supporting documentation to assist with this investigation. Please provide me with a written response within 30 days confirming the deletion of these inaccurate accounts or evidence proving their accuracy.

Failure to comply with this request may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Credit Report Highlighting Disputed Accounts

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 2025-02-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA, XXXX XXXX XXXX XXXX/XXXX/2025 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX File # XXXX Equifax XXXX XXXX XXXX XXXX GA, XXXX Report # XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Investigation and Removal of Inaccurate Charge-Off Accounts To Whom It May Concern, I am writing to formally dispute the accuracy of certain charge-off accounts that have been reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be complete, accurate, and verifiable. The following accounts do not meet these legal standards and should be removed immediately : XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXAccount # XXXXXX/XX/XXXXAccount # XXXX These accounts contain incorrect and/or unverifiable information, which violates the provisions set forth by the FCRA. Under Section 609 and 611 of the FCRA, I request a detailed investigation into these accounts, including full documentation proving their validity. If these records can not be verified as 100 % accurate, I demand that they be removed from my credit report immediately.

Additionally, I request that you provide me with all records associated with these charge-off accounts, including signed agreements, payment history, and validation of the reporting. If you can not provide such documentation, you are required by law to remove these inaccurate records from my credit file.

I have attached copies of my identification and supporting documentation to assist with this investigation. Please provide me with a written response within 30 days confirming the deletion of these inaccurate accounts or evidence proving their accuracy.

Failure to comply with this request may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Credit Report Highlighting Disputed Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
I noticed XXXX XXXX and Experian furnishing illegal information on my consumer report. There are late payments reflected on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, these furnishings are illegal and bearing on my credit worthiness.

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 2025-02-07 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: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I've disputed incorrect information on my credit report with all 3 Bureaus and I have proof that it was removed and then it shows right back up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
On several occasions, I have written letters toXX/XX/XXXXasking them to explain an alleged debt that is reporting on my credit report. They have failed to respond to a single letter. 


XXXX XXXX Acct # XXXX Alleged Debt Amount : {$1000.00}

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 2025-02-07 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: MI

Complaint narrative:
On several occasions, I have written letters to XX/XX/XXXX asking them to explain an alleged debt that is reporting on my credit report. They have failed to respond to a single letter. 


XXXX XXXX Acct # XXXX Alleged Debt Amount : {$1000.00}

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 explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On several occasions, I have written letters to XXXX XXXX  asking them to explain an alleged debt that is reporting on my credit report. They have failed to respond to a single letter. 


XXXX XXXX Acct # XXXX Alleged Debt Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX  ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$700.00}, but the reported balance after charge-off is {$970.00}, which exceeds the credit limit.

This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details.

Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
This company purchased this account from XXXX and has done nothing but report it to the credit bureaus. They refused to provide any documents or information I have requested. Also I have disputed the account numerous times and the credit bureaus never provide anything that connects me to the account except my name and the address of XXXX XXXX the father of XXXX XXXX who stole my information and rented an apartment, bought this phone and stole money from my bank XXXX which documented the theft and reimbursed me. I am a customer of XXXX XXXX and they agreed it was not my account. XXXX XXXX is in XX/XX/XXXXl awaiting grand jury indictments for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: NY

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 : Account name : XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Inquiries XX/XX/XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XX/XX/XXXXXX/XX/XXXX : XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX :XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/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 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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 : Account name : XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Inquiries XX/XX/XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XX/XX/XXXXXX/XX/XXXX : XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX :XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/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 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 2025-02-07 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: Experian Information Solutions Inc.
State: NY

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 : Account name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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