vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing this account with Safe Home as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I am disputing this account with Safe Home as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 
These items are either inaccurately reported or have already been resolved, and I respectfully request that they be thoroughly investigated and corrected. Despite my prior efforts to address this matter by contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
To support my claim, I have attached relevant documentation, including screenshots of my credit report highlighting the inaccuracies and other supporting evidence. I kindly ask for your prompt attention to this matter to ensure the information on my credit report is accurate and reflective of my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Account was settled multiple times with my negotiable instruments!!! 

First cause of Action XXXX XXXX/Nonresponse to Failure, By Not following the Check Clearing for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which has caused me Injury and Damages ; Second Cause of Action ; XXXX to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT XXXX, XXXX, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of XXXX, which has caused me Injury and Damages ; Third Cause of Action : XXXX/Nonresponse to Failure, By Not Following The Federal Reserve Act of XXXX, The Federal Reserve Banking XXXX of XXXX, which has caused me Injury and Damages ; Fourth Cause of Action : XXXXNonresponse XXXX XXXX XXXX XXXX Not Following House Joint Resolution XXXX PUBLIC LAW XXXX, which has caused me Injury and Damages ; With Cause of Action : XXXX/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX XXXX XXXX XXXXouting and account number, which has caused me Injury and Damages ; Sixth Cause of Action : XXXXNonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action XXXX XXXXNonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : XXXXNonresponse to Failure, By Not returning and destroying my property i.e XXXX my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of Identity theft and found numerous credit inquiries. I have no knowledge of. here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove these fraudulent inquiries from my report. I also attached my identity theft report as well

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 2025-01-13 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:
I have gone through numerous attempts to get all incorrect and misinformation corrected that I have suffered greatly from Experian, XXXX and XXXX companies to try to get my credit profiles corrected for well over the last seven years from experience identity theft. I need help trying to get my life back and with no help or assistance in accuracy in investigations from these supposed to companies to only keep getting included even in their data breaches to suffer even more damage.please help.

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 2025-01-13 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: TX

Complaint narrative:
I was paying on time for two years and then I lost my job and so did my husband. I fell behind in XXXX and XXXX of XXXX and they gave me an extension for two month but the next due date, they placed on the extension notice was XXXX XXXX but the extension was dated for XXXX XXXX and my new payoff date was XX/XX/XXXX XXXX they are always stating Im 77 to 88 days past due on my payments. then when I question it they tell me 33 days or 44 days late. as my payments from the day I bought the car was being applied to both principal and interest. Then everything started only going to interest only, maybe XXXX to XXXX dollars to principal. How is anyone able to truly pay off the vehicle from them. when I bought the vehicle from XXXX, I applied for financing through XXXX and all my Documentation is from XXXX only. Therefore, next I was notified that XXXX had my car payments and If i knew it was XXXX handling my loan I wouldve told them to come and get the car asap. I have copies of conversations between me and XXXX and how they talked to their customers is bad. When you prove your point to them they tell you thats not what they have, then you ask well my information is from the portal of my account and youre telling me its wrong. Just like today I received a phone call telling me im 88 days late again when i just talked to them on Friday of last week.

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 2025-01-13 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: NY

Complaint narrative:
I am writing to formally dispute discrepancies I have identified on my credit report. Upon reviewing my report, I noticed inaccuracies related to late payment entries. These entries are incorrect and are unfairly affecting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As your company is a consumer reporting agency and I am the consumer, I have the right to ensure that my private information is handled responsibly and not shared improperly.

This is further supported by 15 USC 6801, which establishes : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Additionally, under the Fair Credit Reporting Act and the Privacy Act of XXXX which safeguard the accuracy, security, and confidentiality of consumer information, I respectfully request that you investigate and address these inaccuracies. 

Below are the specific details of the discrepancies : Creditor Name : XXXX XXXX  Account Number : XXXX Dispute : Under 15 USC 1666b - Timing of Payments, this account should reflect a status of " Never Late. '' I have enclosed a copy of my credit report with the errors highlighted, as well as supporting documentation to substantiate my claim. I kindly request that you correct, modify, or delete the inaccurate entries as appropriate. 

Under the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. Please provide written confirmation of the outcome of your investigation and an updated credit report reflecting the corrections. 


Thank you for your prompt attention to this matter. I trust that you will ensure the accuracy of my credit information and uphold my rights as outlined by the 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 non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I am writing to formally dispute discrepancies I have identified on my credit report. Upon reviewing my report, I noticed inaccuracies related to late payment entries. These entries are incorrect and are unfairly affecting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As your company is a consumer reporting agency and I am the consumer, I have the right to ensure that my private information is handled responsibly and not shared improperly.

This is further supported by 15 USC 6801, which establishes : " It is the policy of the
Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Additionally, under the Fair Credit Reporting Act and the Privacy Act of XXXX, which safeguard the accuracy, security, and confidentiality of consumer information, I respectfully request that you investigate and address these inaccuracies. 

Below are the specific details of the discrepancies : Creditor Name : XXXX XXXX  Account Number : XXXX Dispute : Under 15 USC 1666b - Timing of Payments, this account should reflect a status of " Never Late. '' I have enclosed a copy of my credit report with the errors highlighted, as well as supporting documentation to substantiate my claim. I kindly request that you correct, modify, or delete the inaccurate entries as appropriate. 

Under the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. Please provide written confirmation of the outcome of your investigation and an updated credit report reflecting the corrections. 


Thank you for your prompt attention to this matter. I trust that you will ensure the accuracy of my credit information and uphold my rights as outlined by the FCRA. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NM

Complaint narrative:
We were scammed by a company that supposedly fixes medical instruments. We sent in a XXXX XXXX XXXX and paid {$1400.00} to have it repaired. It was not fixed and was leaking even worse when it arrived. The company states that they have a 180 day warranty which they have not upheld. They have not offered any solutions and have ceased all contact. We reached out to our bank to report this fraudulent charge but because it is ACH they have not offered any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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'm writing to file a complaint for the second time regarding inaccurate information on my credit report with Equifax. The report incorrectly lists my name as " XXXX XXXX, '' which is incomplete, and my correct name is " XXXX XXXX XXXX XXXX. '' Also, my address is listed as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX, '' when the correct address should be " XXXX XXXX XXXX XXXX, NJ XXXX, '' without the floor number. Lastly, my employer is listed as " XXXX XXXX XXXX, '' which is incomplete, and it should be " XXXX XXXX XXXX. '' These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reports must be accurate and up-to-date. These inaccuracies could negatively impact my credit, and I request that Equifax correct these details immediately. Additionally, I ask that you investigate the source of these discrepancies to ensure they are not the result of fraud or identity theft. Please ensure that all future information remains accurate moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
On multiple occasions, I submitted disputes to Experian regarding inaccuracies on my credit report. These disputes were filed on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. In each dispute, I explicitly requested Experian to provide original documents that would properly validate and verify the negative items listed on my credit report. 

Despite these requests, Experian failed to provide any documentation to support the accuracy of the reported negative items. This lack of response constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, at no point during this process did Experian inform me of my right to opt out of having my personal information reported and shared with third parties. 

Given Experian 's failure to provide proof of validation and its disregard for legal obligations, I am demanding that all negative and inaccurate information be removed from my credit report immediately. This removal must be completed within 48 hours. Should Experian fail to comply with this demand, I will have no choice but to file a federal lawsuit to enforce my rights under federal law. 

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i 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 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 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 15 U.S.C. 1681i 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 30 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i 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 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 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 15 U.S.C. 1681i 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 30 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 response to consumer: Closed with explanation