vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
To whom this may concern, I have attached a FTC report containing XXXX fraudulent accounts along with XXXX inquiries that I didnt do

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 2025-02-05 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: NV

Complaint narrative:
To whom this may concern, I have attached a FTC report containing XXXX fraudulent accounts along with XXXX inquiries that I didnt do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
Upon checking my consumer credit I Noticed several alarming account that DO NOT BELONG TO ME! XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  account # XXXX has failed to respond to my concern regarding my credit file. Under the FCRA, I can seek statutory damages if A creditor furnishes inaccurate information about DEBT, such as incorrectly reporting A charge off while claiming I owe a debt. I have requested for VALIDATION and never received any information on these accounts. I want to know what reasonable procedures that were taken in the investigation and verifying the information on this erroneous debt, I am asking AGAIN for all file disclosers and the full sale file and ORIGIANL CONTRACT of this DEBT. According to federal law ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. It is an federal crime to keep verifying an account without full DISCLOSURE 15 USC 1681G, SECTION 1-3

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 2025-02-05 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Code 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536a ( 1 ) ( A ) as highlighted in the CFPB 's recent administrative proceeding ( CFPB 's No. XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the inaccurate accounts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Butler and Associates, PA
State: KS

Complaint narrative:
First I tried to setup payment arrangements and was told to send in pay stubs and that once I send those in they would setup payments. Well when I tried to setup payments they said they had denied the payment agreement and they would send me something in the mail about the denial. I never did receive it but then they started garnishing my check very shortly after. I then contacted them and stated that I never received anything in the mail and I tried to setup arrangements so why are they garnishing me and all they said was we denied the payment arrangement. I then paid the debt off so that they would not continue to garnish me and I asked them to send me details on who and what the debt was for. I was told they would mail something out. I waited a week and requested again and was told they are waiting for person to send it out. I waited 2 more weeks and requested again and was told they are still waiting. I asked them to email me and they stated they would jot do that. I let them know they are required to send this information to me and that I would be contacting you all of I do not receive the information and it has now been another 2 weeks and I still have not heard from them or received anything in the mail. Now I am contacting you all for assistance with this. If you can please help me get this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
This account was opened fraudulently in my name. I already disputed the inquiry when I saw it on my credit report and weeks later this account pops up. I called the company for a faster resolution the agent would not assist me and I asked for a manager. The manager hung up the phone in my face and didnt call back. I told them to remove the information from my credit and close the account because it was fraud and she kept saying it would still be on my credit and it would show as me closing the account even though I never opened it and it was fraud and even though I disputed the inquiry once I saw it. This account needs to be closed and removed from my credit report immediately!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
This is a formal demand to remove the inaccurate information from my credit report. This error is unacceptable, and I will not allow it to remain on my record any longer.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TN

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

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 2025-02-05 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: AL

Complaint narrative:
XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or protocols therefore the obfuscation must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has indicated ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or standards therefore the sophism must be eradicated as is m y legally requested resolution, please do so HERE AND NOW! This claim has acclaimed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported :

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 2025-02-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Golden XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Account Charge-Off and 1099-C Issuance ( Account Number : XXXX ) Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the charge-off status and potential Form 1099-C issuance associated with my secured credit card account ( Account Number : XXXX ). Based on the information in my records, I believe there are inaccuracies that need to be corrected. 
Dispute Details : 1. Inconsistent Charge-Off Status : According to my records, the account was charged off with a {$940.00} write-off and a past-due balance of {$940.00}, updated as of XX/XX/XXXX. However, my payment on XX/XX/XXXX, does not appear to be properly reflected in the account history. 
2. 1099-C Issuance : If a Form 1099-C was issued for {$940.00}, I request documentation supporting the cancellation of this debt, including the calculation of the forgiven amount and the date of cancellation. 
XXXX. Premature Charge-Off : I was not adequately informed or provided with reasonable options to resolve the account before the charge-off. Proper notification is required before such an action is taken. 
Requested Action : * Investigate my payment records and adjust the charge-off status if errors are found. 
* If a Form 1099-C was issued in error, please file a corrected form with the IRS and provide me with a copy. 
* Provide documentation supporting the accuracy of the charge-off and any tax reporting. 
Enclosed are copies of my payment records for your review. 
Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and a written response within 30 days of receiving this letter. 
Thank you for your prompt attention to this matter. 
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 2025-02-05 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: MI

Complaint narrative:
I am writing this compliant to report the negligent FCRA violations of TransUnion, Experian, and Equifax in relation to the egregious number of instances of inaccurate information they have and continue to report on my credit file. 

XXXX XXXX is an account item that is currently being inaccurately reported with a Date of last activity report that is not consistent, reported as XX/XX/XXXX and XX/XX/XXXX, the Date opened : is reported as XX/XX/XXXX and XX/XX/XXXX, the Last payment dates reported as XX/XX/XXXX and XX/XX/XXXX, the Date close : is inaccurate, the Account types are not consistent and the Credit Type is inaccurately reported. I have disputed this item in the past with little to no success, I am requesting that this item be removed from my credit report. 

XXXX XXXX  XXXX, XXXX The information reported regarding this account from all three reporting bureaus has inaccurate information. Which includes the Date opened, the accounting rating, the accounting type, and the payments are all inaccurate and inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 

XXXX XXXX  XXXX is reflected on all 3 major credit reports with inconsistencies such as, the Date of last activity - XX/XX/XXXX, the High Balance : {$1700.00}, the Date Opened : XX/XX/XXXX, and the Account Rating is inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 
XXXX  XXXX, High Balance not consistent between the three reporting agencies. The Date Opened is not consistent on two of the reports reflecting the dates XX/XX/XXXX and XX/XX/XXXX, and the Last payment date is not consistent XX/XX/XXXX and XX/XX/XXXX I have reported inaccuracies regarding my credit file with both credit agencies and without explanation and with no process and procedure the information was not verified, corrected, and removed for my account without explanation. I have requested that my consumer report be corrected, instead the same inaccurate information remains in my consumer report without explanation. TransUnion, Experian, and Equifax did not do a proper investigation into my disputes, and they failed to remove errors, which continues to threaten my access to credit, employment, and housing.

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 2025-02-05 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 this compliant to report the negligent FCRA violations of TransUnion, Experian, and Equifax in relation to the egregious number of instances of inaccurate information they have and continue to report on my credit file. 

XXXX XXXX is an account item that is currently being inaccurately reported with a Date of last activity report that is not consistent, reported as XX/XX/XXXX and XX/XX/XXXX, the Date opened : is reported as XX/XX/XXXX and XX/XX/XXXX, the Last payment dates reported as XX/XX/XXXX and XX/XX/XXXX, the Date close : is inaccurate, the Account types are not consistent and the Credit Type is inaccurately reported. I have disputed this item in the past with little to no success, I am requesting that this item be removed from my credit report. 

XXXX XXXX  XXXX, XXXX The information reported regarding this account from all three reporting bureaus has inaccurate information. Which includes the Date opened, the accounting rating, the accounting type, and the payments are all inaccurate and inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 

XXXX XXXX  XXXX is reflected on all 3 major credit reports with inconsistencies such as, the Date of last activity - XX/XX/XXXX, the High Balance : {$1700.00}, the Date Opened : XX/XX/XXXX, and the Account Rating is inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 
XXXX  XXXX, High Balance not consistent between the three reporting agencies. The Date Opened is not consistent on two of the reports reflecting the dates XX/XX/XXXX and XX/XX/XXXX, and the Last payment date is not consistent XX/XX/XXXX and XX/XX/XXXX I have reported inaccuracies regarding my credit file with both credit agencies and without explanation and with no process and procedure the information was not verified, corrected, and removed for my account without explanation. I have requested that my consumer report be corrected, instead the same inaccurate information remains in my consumer report without explanation. TransUnion, Experian, and Equifax did not do a proper investigation into my disputes, and they failed to remove errors, which continues to threaten my access to credit, employment, and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: OH

Complaint narrative:
i asked this company to provide me documentation of this so-called debt i haven't received it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-05 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: NM

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-05 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXXXXXX {$540.00} This collection is the results of identity theft and fraud.

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 2025-02-05 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: LA

Complaint narrative:
I recently tried to dispute some inquiries on my credit report with Equifax. I recieved a response stating the information on my report is accurate. I would like to request that this be investigated and provided documentation is provided to insure they have the up to date information per my rights under the Fair Credit Reporting FCRA. I didnt authorize these inquiries Under the FCRA , credit inquiries from companies that I did not grant permission to access my information that must be removed from my credit report. These unauthorized hard inquiries are a violation of the Fair Deby Collection Practices Act FDCPA as well.

Company response to consumer: Closed with explanation