vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am writing to dispute the following item ( s ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of this/these inaccurate or incomplete entry ( ies ) as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

According to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file. 
This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding this matter. 
If you continue to report this account without proper verification, or if you continue to contact me after receiving this cease and desist notice, you will be in violation of federal law and I will not hesitate to report such violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX U.S.C. XXXX ), and XXXX ( XXXX U.S.C. XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TransUnion XXXX XXXX CREDIT UNI XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX ( XXXX U.S.C. XXXX ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section XXXX ( XXXX U.S.C. XXXX ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section XXXX ( XXXX U.S.C. XXXX ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-26 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: VA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-26 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: AZ

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/year> account number XXXX * * Collection account opened at XXXX on XX/XX/year> account number XXXX * * Collection account opened at XXXX on XX/XX/year> account number XXXX * * Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-26 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off account on my credit file associated with Fortiva, account number [ Insert Account Number ]. The account is marked as closed and charged off yet still shows a balance due, which may reflect inaccurate or misleading reporting under the Fair Credit Reporting Act ( FCRA ) 1681s-2. 

When an account is charged off and sold or transferred, the balance should be updated to {$0.00} by the original creditor. Continuing to report a balance after charging off or transferring the debt may constitute double reporting or misrepresentation of the account status. If Fortiva no longer owns the debt, it is required to update the account to reflect a {$0.00} balance and note that it has been transferred or sold. 

Additionally, if the debt has been discharged or otherwise resolved, continued negative reporting violates federal law and consumer rights under FCRA.

I am requesting that Fortiva : 1. Immediately correct or delete the reporting of this charged-off account from my credit reports with all bureaus. 
XXXX. Provide verification and documentation proving the accuracy of the current balance being reported. 
XXXX. Update all credit reporting agencies to reflect the correct status of the account. 

If Fortiva is unable to verify the accuracy of the reporting within the time allowed under the FCRA, I respectfully request that the item be deleted from my credit file entirely. 

Please respond in writing within 30 days of receipt of this letter. I expect your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
they send me a PDF that can not be opened even tried to add a password it denied! they said if I have questions I should call! I called the executive officer with the extension given to me someone answer I put on hold then disconnected I called back three times the same things occurred the line cut off. why are they not answering my calls? And they say in a message that I can continue paying up my owed payments till its finished. How can I pay for a Fraudulent account that have been reported to the Citi consumer, police and the cfpb that the account charges are fraudulent and to make even more difficult they also added a charge of the place at XXXX XXXX in valley stream that I shopped to make it seems like I had purchased a item unrecognized and when I say I do not make a purchased for that item no response. they are fraudulent people. doing it to complicate the 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 monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Experian Equifax Transunion for failing to respond to a formal credit dispute I submitted on or around XXXX XXXX, 2024. In that dispute, I requested verification and documentation for multiple accounts being reported on my credit file that I believe to be inaccurate, unverifiable, or fraudulent. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), Experian was required to conduct a reinvestigation and respond to my dispute within 30 days. As of todays date, I have not received a written response, investigation results, or any supporting documentation proving the validity or permissible purpose of these accounts. This lack of response is a direct violation of federal law and has continued to cause damage to my credit profile. I am requesting that Experian be held accountable for this failure to comply, that any unverifiable or disputed accounts be removed from my credit report immediately, and that the furnishers of these accounts be required to provide documented proof that these debts are mine. Without legal and verifiable evidence tying these accounts to me, they must not be allowed to remain on my report. I am attaching my original dispute letter and identifying information for reference, and I ask that this matter be investigated and resolved without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against Experian Equifax Transunion for failing to respond to a formal credit dispute I submitted on or around XXXX XXXX, 2024. In that dispute, I requested verification and documentation for multiple accounts being reported on my credit file that I believe to be inaccurate, unverifiable, or fraudulent. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), Experian was required to conduct a reinvestigation and respond to my dispute within 30 days. As of todays date, I have not received a written response, investigation results, or any supporting documentation proving the validity or permissible purpose of these accounts. This lack of response is a direct violation of federal law and has continued to cause damage to my credit profile. I am requesting that Experian be held accountable for this failure to comply, that any unverifiable or disputed accounts be removed from my credit report immediately, and that the furnishers of these accounts be required to provide documented proof that these debts are mine. Without legal and verifiable evidence tying these accounts to me, they must not be allowed to remain on my report. I am attaching my original dispute letter and identifying information for reference, and I ask that this matter be investigated and resolved without further delay.

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 2025-05-26 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 am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX XXXXcount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$12000.0XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$5500.00}

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 2025-05-26 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:
Im writing to dispute an account from your company thats showing up on my credit report. Let me be absolutely clear : I did not open this account, I never authorized it, and I have zero affiliation with your company. This account was added without my knowledge or consent, and its wrongfully impacting my credit. I take the accuracy of my credit file very seriously, and I will not accept false or fraudulent information being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
On XXXX XXXX, I applied for an apartment complex XXXX XXXX in XXXX, AL. I was hoping to submit an application in return of a tour of the home and speaking with a property management to put me on a waitlist. All my bureaurs are frozen and XXXX management continued to run my application without my consent at the proper time. I only wanted the consent after the waitlist but they ran it immediately and online information system somehow was able to provide my information to them. I have no idea who they are and how they have my information but they disclosed the information with me that I was denied based upon online information systems. Online information system should not have access to my profile thats why my information is frozen with the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

-Delete the accounts-below : XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN

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 2025-05-26 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: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Upon review of my credit reports, I discovered several hard inquiries and newly opened credit accounts that were neither requested nor used by me. These activities occurred during a period in which I had limited or no access to my financial accounts. Some of the institutions involved include : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-05-26 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: GA

Complaint narrative:
i have recently become aware of unauthorized accounts due to a data breach. Under Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$930.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * XXX, Date Opened : XXXX, Balance : {$6900.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$16000.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$08.00} Inquiries XX/XX/XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX AUTO Date : XXXX XXXX XXXX XXXX Date : XXXX ODE Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX  XXXX Date : XXXX PXXXX XXXX Date : XXXX XXXX AUTO Date : XXXX XXXX XXXX XXXX CO Date : XXXX XXXX Date : 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