vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
clerk of the courts verified that they did not give out the information for the bankruptcy reporting on my credit reports and should be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
Reinserted Information without notifying me, which is a violation of FCRA Section 611 ( a ) ( 5 ) ( B ) XXXX XXXX {$15000.00}

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 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and have noticed fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
I told each credit bureau that I had my loan pay off from strike acceptance, and they added that I paid the loan off. Then each credit bureau, they penalized me for being late! In which I was not! This loan has been paid off since XX/XX/year>. Each credit bureau is reporting the same status. Therefore, it dropped my credit down XXXX points... I am trying to put my son in a XXXX XXXX  and own a home, this critically affecting my way of living and progressing in life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I was reviewing my credit report last night and noticed that there was a new collection that appeared on my account from XXXX. XXXX, XXXX XXXX ( XXXX XXXX ). It shows the date it was opened as XX/XX/year> and shows a balance of {$280.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : 1. The amount they think I owe 2. the name of the creditor 3. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Accounts Due to identity Theft Dear Experian Agency I am Writing to formally request the removal of certain accounts from my credit report that I did not open and are results of identity Theft. 
My Name is XXXX XXXX XXXX My Social Security is XXXX Back in XX/XX/XXXX upon reviewing my credit report, I noticed the fallowing accounts that I believe were fraudulently opened in my name : 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. XXXXXXXX XXXX XXXXXXXX XXXX This Accounts are not mine, and I have taken steps to report this identity Teft to the appropriate authorities. I have my purse stolen in XXXX and again in XXXX. At this moment I don't have handy that information from the police report as has been a while ago, since I notices all of this accounts in my credit report, I been filing multiple Complaints through their preceptive agency and so far none of them has giving me a validation of the debt. Under the Fair Credit Reporting Act. ( FCRA ) and the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request a validation of any reported debt I can dispute these accounts. Or request the IRS Form XXXX ( cancelation of the debt ) None of this information has been provided to me by any of the collection agencies or your Company Experian. All my disputes are returned as verified and updated to stay on my credit with no Proof of method of verification by your company. Or any of the Collection agencies I already submitted this form and request. If none of this debt can not be validated or if there is evidence of errors, I can request that the account be removed from my credit report. 
If the creditor or debt collector continues to report unverifiable or inaccurate information, I will consider filing a complaint. For monetary relief for this pain and stress this situation is causing me. 

I kindly request that you investigate these accounts and remove them from my credit report as soon as possible. Under the Fair credit reporting act, I have the right to dispute any information that is inaccurate or incomplete. 
Please confirm receipt of this request and let me know the outcome of your investigation. I appreciate your assistance in resolving this matter promptly. 
Thank you for your attention to this urgent issue. 
Sincerely 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 2025-01-14 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: GA

Complaint narrative:
I am demanding a deletion of the following account name XXXX XXXX XXXX  account number 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 non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I am demanding a deletion of the following account name XXXX XXXX XXXX  account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint due to significant inaccuracies in the personal information reported by FactorTrust on my consumer report. These errors include incorrect details regarding my name, address, employment history, and driver 's license information. These inaccuracies are causing a misrepresentation of my identity, which could potentially affect my financial standing and access to credit.

I am requesting that FactorTrust conduct a thorough investigation and correct these errors to ensure that my consumer report accurately reflects my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documents that clearly verify my correct information and expect this matter to be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We needed a XXXX Account for our minor granddaughter per court order. A CD account was opened at Bank of America of XX/XX/XXXX to meet that requirement. The XXXX requires an annual accounting report with a bank statement showing the amount of interest earned on the account and the current balance. Bank of America has failed to provide any statement on this account. We have visited our local Bank of America XXXX several times and we have been told that due to the restrictions on the account they can not provide that information. On XX/XX/XXXX, I filed a complaint with the Better Business Bureau and Bank of America has failed to respond. That is absurd! We have this reporting obligation to the court and we could be found in contempt of court, if we don't provide the required statement. If Bank of America is unwilling to provide any statement on this account, we will be forced to take our business someplace else, including all of our existing 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 non-monetary relief
Consumer complaint received 2025-01-14 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 2025-01-14 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:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 2025-01-14 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: AZ

Complaint narrative:
My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and anxiety while negatively impacting my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
A concerning collection entry has appeared on my credit file without any prior notification, raising serious questions about its legitimacy and accuracy. As someone who diligently monitors their credit history, the sudden appearance of this unverified debt is particularly troubling, especially given that the Fair Debt Collection Practices Act mandates proper debt validation procedures. This situation requires immediate attention to prevent any unwarranted damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX U.S.C XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion XXXX Department : XXXX am writing to formally dispute a charge-off entry that appears on my credit report. According to XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under XXXX U.S.C. XXXX, credit reporting agencies are required to investigate any disputed information within XXXX days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX U.S.C. XXXX Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within XXXX days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and anxiety while negatively impacting my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I was reviewing my credit report last night and noticed that there was a new collection that appeared on my account from XXXX. XXXX, XXXX XXXX ( XXXX XXXX ). It shows the date it was opened as XXXX XXXX, 2024 and shows a balance of {$280.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : XXXX. The amount they think I owe XXXX the name of the creditor XXXX. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.

Company response to consumer: Closed with non-monetary relief