vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
-TransUnion XXXX Equifax XXXX and Experian is aiding in dual reporting fraudclaiming the debt is both " active '' ( for collections ) and " written off '' ( for tax benefits ) .This violates FCRA 1681s-2 ( furnisher liability ) and 1681e ( b ) ( requiring maximum accuracy ).

-Prior response claiming the account was verified is legally deficient and violates multiple federal statutes. They're relying on data furnisher 's responses rather than conducting an actual investigation | XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
- They have been committed to willfully non compliance -At this time, No verifiable proof of this alleged debt has ever been provided. Legally, this implies no such debt exists. Estoppel by Silence ( XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ). 
- Provide the verification method including the documents showing the legal process and procedures used to verify the item, The date, name, and phone number of the person they contacted to verify the said information, and the contracts with the data furnisher 's that bear my wet ink signature. If you can not provide any of the above within 15 days ( no time extensions will be permitted ), the accounts are not verified and must be removed immediately. 
-Numerous violations have occurred, including but not limited to XXXX5 U.S.C . 1681i ( a ) ( 1 ) ( a ), 15 U.S.C. 1681i ( a ) ( 2 ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681n, 15 U.S.C. 1681o

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
-TransUnion XXXX Equifax XXXX and Experian is aiding in dual reporting fraudclaiming the debt is both " active '' ( for collections ) and " written off '' ( for tax benefits ) .This violates FCRA 1681s-2 ( furnisher liability ) and 1681e ( b ) ( requiring maximum accuracy ).

-Prior response claiming the account was verified is legally deficient and violates multiple federal statutes. They're relying on data furnisher 's responses rather than conducting an actual investigation | XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
- They have been committed to willfully non compliance -At this time, No verifiable proof of this alleged debt has ever been provided. Legally, this implies no such debt exists. Estoppel by Silence ( XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ). 
- Provide the verification method including the documents showing the legal process and procedures used to verify the item, The date, name, and phone number of the person they contacted to verify the said information, and the contracts with the data furnisher 's that bear my wet ink signature. If you can not provide any of the above within 15 days ( no time extensions will be permitted ), the accounts are not verified and must be removed immediately. 
-Numerous violations have occurred, including but not limited to XXXX5 U.S.C . 1681i ( a ) ( 1 ) ( a ), 15 U.S.C. 1681i ( a ) ( 2 ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681n, 15 U.S.C. 1681o

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 2025-05-02 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:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within XXXX business days.

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

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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I went to pay off a full credit card balance. Normally I dont access the system because its difficult kicks me off or doesn't have accurate pay off info. I have had issues with XXXX and XXXX in my last report and once again having another issue. I called in to confirm my account was totally paid off after I submitted payment for the entire.balanace. Ar that time I was told I was late because my last payment was not complete. When I asked why I didn't receive some kind of notice the operator looked into it. It turned out I signed up for online billing and they were sending my bill to the wrong email. My email is XXXX and they were mailing XXXX, he said he would.update it and I asked for them to please reverse the report to my credit. I was told to submit.via paper, however, I have done this in the past and they do not respond. I called back in when my credit report came in and they wouldn't confirm the email issue. I wanted a letter or something stating they were not sending me.statements, email or mail or sending calls. Nothing. I would ask that they revert the report to the credit union and update my email. I am still not getting communication despite telling them my email is XXXX When I ask them to escalate it to get the update done they tell me their is nothing wrong despite them Confirming with me they had the wrong email and had made a typ thinking the XXXX was an 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 2025-05-02 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: CA

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 XXXXB 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 non-monetary relief
Consumer complaint received 2025-05-02 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: CA

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 2025-05-02 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: GA

Complaint narrative:
I responded to an ad from XXXX XXXX XXXXXXXX auto to purchase a vehicle, before I got there I completed that application, the dealer told me that I was approved with XXXX XXXX to purchase a XXXXXXXX XXXX, by the time I got to the dealership the vehicle was not at that lot, but at a repair shop. I never saw this vehicle or drove it. The next day, the same dealership told me to come back ; they had another vehicle, a XXXX XXXX, for which I was approved. When I got there to take the car on a test drive, it would not start. I never drove either vehicle or took possession. About XXXX months later, I received a past due notice from XXXX XXXX claiming I missed my payments. I called the XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. He told me that there was a mistake and not to worry about it, that was 3 years ago. Now XXXX is fully aware that the dealer took the money ( {$24000.00} for the XXXX ) and ( {$13000.00} for the XXXX ). XXXX has charged both accounts off, knowing that the dealer received the money, but I never received either of the vehicles. This has caused my credit scores to drop dramatically.

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

Complaint narrative:
I responded to an ad from XXXX XXXX  XXXXXXXX XXXX to purchase a vehicle, before I got there I completed that application, the dealer told me that I was approved with XXXX XXXX to purchase a XXXX Porshe, by the time I got to the dealership the vehicle was not at that lot, but at a repair shop. I never saw this vehicle or drove it. The next day, the same dealership told me to come back ; they had another vehicle, a XXXX XXXX, for which I was approved. When I got there to take the car on a test drive, it would not start. I never drove either vehicle or took possession. About XXXX months later, I received a past due notice from XXXX XXXX claiming I missed my payments. I called the XXXX  XXXX, XXXX XXXX, XXXX XXXX. He told me that there was a mistake and not to worry about it, that was XXXX  years ago. Now XXXX is fully aware that the dealer took the money ( {$24000.00} for the XXXX ) and ( {$13000.00} for the XXXX ). XXXX has charged both accounts off, knowing that the dealer received the money, but I never received either of the vehicles. This has caused my credit scores to drop dramatically.

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 2025-05-02 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: GA

Complaint narrative:
I responded to an ad from XXXX XXXX XXXXXXXX auto to purchase a vehicle, before I got there I completed that application, the dealer told me that I was approved with XXXX XXXX to purchase a XXXXXXXX XXXX, by the time I got to the dealership the vehicle was not at that lot, but at a repair shop. I never saw this vehicle or drove it. The next day, the same dealership told me to come back ; they had another vehicle, a XXXX XXXX, for which I was approved. When I got there to take the car on a test drive, it would not start. I never drove either vehicle or took possession. About XXXX months later, I received a past due notice from XXXX XXXX claiming I missed my payments. I called the deal/finance XXXX, XXXX XXXX, XXXX XXXX. He told me that there was a mistake and not to worry about it, that was XXXX  years ago. Now XXXX is fully aware that the dealer took the money ( {$24000.00} for the XXXX ) and ( {$13000.00} for the XXXX ). XXXX has charged both accounts off, knowing that the dealer received the money, but I never received either of the vehicles. This has caused my credit scores to drop dramatically.

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 2025-05-02 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 deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the inaccurate reporting of a late payment on my credit report, which is causing unjust harm to my creditworthiness and financial opportunities. 

The creditor XXXX XXXX, account number XXXX, is reporting a late payment for XX/XX/year>, despite the fact that the payment was made on time and in full. 

This is a clear violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and data furnishers to ensure maximum possible accuracy in the information they report.

I submitted a formal dispute with documentation supporting that the payment was not late. However, the derogatory mark remains on my credit report, and I have not received any verifiable proof or justification from the furnisher or the bureau.

Under 15 U.S.C. 1681i ( a ), the credit bureau must conduct a reasonable reinvestigation and delete any item that can not be verified with original documentation. According to FCRA 609 ( a ) ( 1 ) ( A ), this includes a physical inspection of the original billing record or signed agreement reflecting a legitimate delinquencynone of which has been provided.

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

Complaint narrative:
In XX/XX/XXXX, I discovered several unauthorized accounts listed on my credit report. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or the misuse of my personal information. The fraudulent accounts include : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Collection- opened in XXXXXXXX XXXX XXXX XXXX - Credit card- opened in XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - Unsecured Loan - opened in XXXXXXXX 

Along with the following INQUIRIES which were created without my consent or authorization and are fraud too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two entries, different branches ) ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( nquired on XX/XX/XXXX ) I had no involvement whatsoever with any of these fraudulent accounts and activity.

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

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.

15 U.S.C 1681 section 602 A. 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 item 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
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: NY

Complaint narrative:
I am Filing a complaint because my creditor is reporting late. Payments on my account ending in the last XXXX. That are inaccurate and not properly verified. I have disputed this directly with the credit bureau 's and the furniture. But the late payments remain without proper. Validation are documentation under 15 USC XXXX furniture 's must report accurate information. Under 15 USC XXXX I, the credit bureau 's must preform a reasonable investigation within XXXX  days. Neither of them have provided sufficient evidence to support the negative report.

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX Personal, has violated my rights. 

I looked at my [ credit bureau ] credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

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

Company response to consumer: Closed with explanation