vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( XXXX  ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX  FNL Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX THE XXXX XXXX XXXX FORMERLY XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( XXXX  ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC Identity Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( XXXX ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter is a formal complaint that XXXX XXXX XXXX. Account number : XXXX are reporting inaccurate and incomplete credit information on my Credit Report. My transunion and Experian reported different late payments than my XXXX Please fix the information. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Equifax is inaccurately reporting multiple charge-offs, including XXXX ( XXXX ) dated XX/XX/XXXX, for {$1100.00} ; XXXX BANK ( XXXX ) dated XX/XX/XXXX, for {$10000.00} ; XXXX  & XXXX XXXX XXXX XXXX dated XX/XX/XXXX, for {$2400.00} ; XXXX XXXX BANK ( XXXX XXXX dated XX/XX/XXXX, for {$930.00} ; XXXX XXXX XXXX ) dated XX/XX/XXXX, for {$1100.00} ; XXXX XXXX  XXXX ) dated XXXX XXXX, XXXX, for {$1100.00} ; XXXX XXXX XXXXXXXX ) dated XX/XX/XXXX, for {$8700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ) dated XX/XX/XXXX XXXX for {$2400.00} ; and XXXX XXXX XXXX  XXXX ( XXXX ) dated XX/XX/XXXX XXXX for {$9100.00}. These entries are highly questionable and may result from faulty data handling or security breaches. It is unacceptable for Equifax to report such potentially compromised information without conducting proper verification, as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Experian, Equifax and Transunion has allowed XXXX XXXX XXXX ( XXXX ) to report and damage my credit file by reporting a XXXX collection account. XXXX has no right or ownership to report this collection account. XXXX has violated 15 USC 1681 and so have the credit bureaus at this point. I will be filing a lawsuit against all parties involved. PRA responded to the CFPB on XX/XX/year> the company would cease all communications and they wouldn't collect or harass because they are not the owner and they could verify proof of account. But XXXX has been harassing constant about this account. I asked this company to provide signed application and signed transactions receipts and they fail to verify proof of account. I will and ai repeat I will sue every company that's involved. XXXX has violated the FDCPA by Deceptive Debt Collection practices, attempting to collect on dents unsubstantiated without sufficient proof verification, misrepresenting the validity of the debt and harassing which is causing emotional stress. I am a XXXX veteran dealing with mental illness and that will be included in the lawsuit as well all parties involved will have a part in it. Each credit bureau is responsible also you all know this company for its unfair practices and crafty work. I attached a letter from this company stating it's not an attempt to collect a debt but just informational. XXXX know they have no rights and can't collect or provide valid proof of this account. Please remove this collection account and block this company permanently from putting this collection account on my credit profile. I will be driving to XXXX, TN where one of the XXXX locations are ans filing a lawsuit with the courts. XXXX will not treat me or handle me like that want and that's a promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Experian, Equifax and Transunion has allowed XXXX XXXX XXXX ( XXXX ) to report and damage my credit file by reporting a XXXX collection account. XXXX has no right or ownership to report this collection account. XXXX has violated 15 USC 1681 and so have the credit bureaus at this point. I will be filing a lawsuit against all parties involved. PRA responded to the CFPB on XX/XX/year> the company would cease all communications and they wouldn't collect or harass because they are not the owner and they could verify proof of account. But XXXX has been harassing constant about this account. I asked this company to provide signed application and signed transactions receipts and they fail to verify proof of account. I will and ai repeat I will sue every company that's involved. XXXX has violated the FDCPA by Deceptive Debt Collection practices, attempting to collect on dents unsubstantiated without sufficient proof verification, misrepresenting the validity of the debt and harassing which is causing emotional stress. I am a XXXX veteran dealing with mental illness and that will be included in the lawsuit as well all parties involved will have a part in it. Each credit bureau is responsible also you all know this company for its unfair practices and crafty work. I attached a letter from this company stating it's not an attempt to collect a debt but just informational. XXXX know they have no rights and can't collect or provide valid proof of this account. Please remove this collection account and block this company permanently from putting this collection account on my credit profile. I will be driving to XXXX, TN where one of the XXXX locations are ans filing a lawsuit with the courts. XXXX will not treat me or handle me like that want and that's a promise.

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 2025-05-08 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:
The charge-off accounts for XXXXXXXX XXXX ( XXXX ) dated XX/XX/XXXX with a reported balance of {$14000.00} and XXXXXXXX XXXX ( XXXX ) dated XX/XX/XXXX with a reported balance of {$0.00} are inaccurately impacting my credit profile across all three credit bureaus. These entries reflect outdated, incomplete, and potentially incorrect information, raising serious concerns about the integrity of the data being reported. Given the age and inconsistent handling of these accounts, it is highly likely that these errors are the result of a data breach or poor data management, which compromises the accuracy of my credit file. This reckless mishandling violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit bureaus maintain accurate, complete, and verifiable consumer information. The continued reporting of these erroneous accounts without proper verification exposes me to unjust financial harm, including damage to my creditworthiness, higher interest rates, and reduced access to credit opportunities. This kind of negligence is unacceptable and demonstrates a clear failure to uphold the responsibilities outlined under 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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
These negative accounts all incorrect. Ive also received emails from the XXXX bureaus saying Im using 3rd party which is wrong Im sending and filing complaints on my own no one help me. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$31000.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error XXXX  am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 605B 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 2025-05-08 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if the credit bureaus are reporting different information? The following is everything that is reporting differently across the credit bureaus : Account Status is reporting differently across the credit bureaus. Date opened is reporting differently across the credit bureaus. High credit is reporting differently across the credit bureaus. Past due is reporting different across the credit bureaus. Payment status is reporting differently across the credit bureaus. Last reported is reporting differently across the credit bureaus. Date last active is reporting differently across the credit bureaus. Date of last payment is reporting different across the credit bureaus. XXXXyear payment history is reporting different across the credit bureaus.

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 2025-05-08 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: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if the credit bureaus are reporting different information? The following is everything that is reporting differently across the credit bureaus : Account Status is reporting differently across the credit bureaus. Date opened is reporting differently across the credit bureaus. High credit is reporting differently across the credit bureaus. Past due is reporting different across the credit bureaus. Payment status is reporting differently across the credit bureaus. Last reported is reporting differently across the credit bureaus. Date last active is reporting differently across the credit bureaus. Date of last payment is reporting different across the credit bureaus. XXXXyear payment history is reporting different across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( XXXX  ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXX ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-05-08 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: CA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. CXXXXe  XXXX ( a ).

Company response to consumer: Closed with non-monetary relief