vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) through the unauthorized reinsertion of previously deleted accounts into my credit file without proper notice or verification. Specifically, XXXX accounts, XXXXXXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) and XXXX XXXX XXXX ( Account # : XXXX ), were originally reported in XX/XX/year> and subsequently deleted on XX/XX/year>, following a successful dispute. I received written confirmation of their deletion. However, upon reviewing my most recent credit report, I discovered that these accounts have been reinserted by Experian without my knowledge, without written notification, and without any supporting documentation from the furnishers. 

This conduct directly violates several sections of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), consumer reporting agencies must notify consumers in writing within five business days of reinserting previously deleted information. I never received such a notice. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) requires that reinserted information be supported by new and verifiable evidence from the furnisher, which has not been provided. Finally, under 15 U.S.C. 1681e ( b ), Experian is required to ensure the maximum possible accuracy of the information it reports. Reinserting previously disputed and deleted accounts without proper verification is a clear failure to meet this obligation.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) require Experian to immediately delete the reinserted accounts from my credit report, provide all documentation allegedly submitted by the furnishers to justify the reinsertion, and issue written confirmation of the deletions along with an updated credit report reflecting the corrections. I am also asking the CFPB to investigate Experians compliance with the FCRA and take any necessary enforcement actions for its failure to uphold federal law. This complaint is submitted in good faith in pursuit of a resolution and to ensure that my rights under the FCRA are protected.

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 2025-04-03 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 am disputing a rental collection account that has been incorrectly reported under my name and Social Security number by XXXX XXXX. 

I was never on the lease for the apartment in question, nor was I a resident at the property.

Despite this, a collection account tied to that lease has appeared under my Social Security number. I believe this may be due to an administrative error or misrepresentation during the leasing process. This issue only recently came to my attention when I applied for a new apartment and was flagged due to this false rental debt. 

I do have the exact amount of the alleged balance {$2600.00}, I am requesting full documentation showing : The name ( s ) on the original lease The basis for associating this account with my Social Security number Any payment history tied to my identity To date, I have taken the following steps : Contacted XXXX Properties via email ( XX/XX/year> ) and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> ) to dispute the validity of this debt Begun preparing supporting documentation, including proof that I was not listed on the lease Initiated a request for validation of debt if handled by a third-party collection agency This false information is seriously impacting my ability to secure housing. I request that this error be investigated immediately and corrected with all relevant bureaus and databases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I consumer XXXX XXXX XXXX has recently gotten my most recent credit reports and I've come across many discrepancies, and errors, also inaccuracies being reported by XXXX. which is in fact violating the FCRA, according to the FCRA any inaccuracies being reported must be removed. I here request validation of debt, signed contracts, a factual legal document that states the facts " I here have the permission '' to collect on this alleged debt I in fact know the alleged consumer XXXX XXXX which is myself IS IN FACT RESPONSIBLE FOR THIS ALLEGED DEBT THAT YOU ARE REQUESTING '' I would also need validation of your license to collect this alleged debt, I would like to inform you the statue of limitations to collect on this debt within Illinois on unwritten debts is 5 years, this debt states it was illegally opened in XXXX with a collections " PORTFOLIO RECOVERY '' which isn't the original creditor. PORTFOLIO RECOVERY has faced many lawsuits including class actions, alleging various issues like unfair debt collection practices, improper foreclosure actions, and charging excessive fees among other things. did I give you'll Consent to contact me? did I give you'll written consent to furnish my credit reports? This company has violated my rights as a consumer also the FCRA, and FDCPA as well. according to the 18 USC code 894-also according to the FCRA 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. However I request Validation of debt, Contract with my signature, also the facts stating you have the right to collect this alleged debt, May I also add I need documents stating the statue of limitation to collect on this alleged debt I the consumer XXXX XXXX XXXX is allegedly responsible for. this US Code 18 USC 894 simply explains a crime being committed a group of individuals teaming up violating consumers and the law The Credit Agencies, The financial institutions, and the collection agencies are in violation this US Code. The financial institution were suppose to protect me, and my financial information which they didn't, the credit agencies needed consent to report such inaccuracies on my credit report which I did not give, and the collections are involved as punishment/ does not have my written consent nor a signed contract with my signature. willingly they are doing it together which is committing a crime by law which is " Conspiring consumers if anyone does this for the nonpayment of can be fined once again. '' Your XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Reporting Unverified Debt Dear CFPB, I am writing to formally file a complaint against Experian for inaccurately reporting a debt allegedly owned by XXXXXXXX XXXX XXXX XXXX a third-party creditor. This debt has not been properly validated under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I believe it violates my consumer rights. 

Specifically, my concerns are as follows : XXXX. Lack of Debt Validation : XXXX XXXX XXXXXXXX has failed to provide proper validation of this debt, including a copy of the original contract bearing my signature, as required under 15 U.S.C. 1692g.

2. Age of the Debt : The alleged debt is over ten years old, potentially beyond the statute of limitations in my state. Experian continues to report it without verifying its legitimacy.

3. Failure to Verify Ownership : Experian has not provided sufficient evidence that XXXX XXXX  XXXX has legal ownership of the debt. According to FCRA ( 15 U.S.C. 1681s-2 ), credit reporting agencies must ensure the accuracy of the information they report.

4. Potential FCRA Violations : Under 15 U.S.C. 1681e ( b ), Experian is required to maintain accurate records. Reporting an unverified debt, especially one that is potentially time-barred, is misleading and damaging to my creditworthiness.

I have attempted to resolve this issue directly with Experian, but they have failed to provide any documentation verifying this debts validity. I request that the CFPB investigate this matter and compel Experian to either remove the inaccurate entry or provide legally required documentation proving the validity and ownership of the debt. 

Please confirm receipt of this complaint and provide me with any updates regarding your investigation. Thank you for your 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 2025-04-03 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Reporting Unverified Debt Dear CFPB, I am writing to formally file a complaint against Experian for inaccurately reporting a debt allegedly owned by XXXXXXXX XXXX XXXX XXXX a third-party creditor. This debt has not been properly validated under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I believe it violates my consumer rights. 

Specifically, my concerns are as follows : XXXX. Lack of Debt Validation : XXXX XXXX XXXXXXXX has failed to provide proper validation of this debt, including a copy of the original contract bearing my signature, as required under 15 U.S.C. 1692g.

2. Age of the Debt : The alleged debt is over ten years old, potentially beyond the statute of limitations in my state. Experian continues to report it without verifying its legitimacy.

3. Failure to Verify Ownership : Experian has not provided sufficient evidence that XXXX XXXX  XXXX has legal ownership of the debt. According to FCRA ( 15 U.S.C. 1681s-2 ), credit reporting agencies must ensure the accuracy of the information they report.

4. Potential FCRA Violations : Under 15 U.S.C. 1681e ( b ), Experian is required to maintain accurate records. Reporting an unverified debt, especially one that is potentially time-barred, is misleading and damaging to my creditworthiness.

I have attempted to resolve this issue directly with Experian, but they have failed to provide any documentation verifying this debts validity. I request that the CFPB investigate this matter and compel Experian to either remove the inaccurate entry or provide legally required documentation proving the validity and ownership of the debt. 

Please confirm receipt of this complaint and provide me with any updates regarding your investigation. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: HI

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Comenity bank is repeatedly calling in a predatory and harassing manner, sometimes uo to 20 times in a single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 discovered that my information and Social Security number had been compromised in the Equifax data breach, resulting in several fraudulent accounts on my credit report. The following fraudulent accounts I noticed are the following ; XXXX XXXX XXXX {$860.00}, XXXX {$0.00}, XXXX XXXX XXXX {$570.00}, XXXX {$1600.00}, XXXXXXXX XXXX {$1100.00}

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 2025-04-03 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
This debt was paid in full with the verbal consent of removal from my credit score, i've been trying to contact them to delete this from my credit report because is hurting my scrore in a bad way so i kindly request the removal of 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 2025-04-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation