vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
Dear CFPB ( Consumer Financial Protection Bureau ), I hope this message finds you well. I am writing to file a complaint regarding an issue with inaccurate information being reported on my credit file. Despite the fact that I have paid the account in full, the account continues to be reported incorrectly by the credit bureaus, and the dates associated with the account are inconsistent. 

Account Details : Creditor Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX High Balance : {$1000.00} Balance Owed : {$0.00} ( Paid in Full ) Account Status : Closed Payment Status : Reported as Late 60 Days and Late 30 Days, despite being fully paid Account Rating : Reported as both " Closed '' and " Paid '' Creditor Remarks : " Closed '' and " Closed or paid account/zero balance '' Inaccuracies in Date Reporting : Date Opened : Reported as XX/XX/XXXX and XX/XX/XXXX, which are inconsistent. 
Date of Last Activity : Reported as XX/XX/XXXX and XX/XX/XXXX, conflicting dates. 
Date Reported : Listed as XX/XX/XXXX and XX/XX/XXXX, showing discrepancies. 
Closed Date : XX/XX/XXXX appears on some reports, while it's missing from others. 
Nature of Complaint : The account has been paid in full, but it is still reported as late and derogatory, which is an inaccurate representation. 
Inconsistent dates are being reported by the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), requiring credit reporting to be accurate. 
Despite this being a paid account, the negative remarks and incorrect information remain on my credit report. 
I have already contacted the credit bureaus directly, but this issue remains unresolved. Therefore, I am reaching out to you to help investigate and rectify this matter. I request that the account be removed from my credit report, and the incorrect dates be corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring this issue is resolved promptly. NEEDS TO BE DELETED ASAP

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 2025-03-18 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$590.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-18 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to formally request the deletion of my personal information from OneMain Financial 's records. I was recently informed that my account was sold to a third-party debt buyer, meaning OneMain Financial no longer has a business need to retain my personal data.

According to the Gramm-Leach-Bliley Act ( GLBA ) and applicable state consumer privacy laws, financial institutions must have a legitimate business reason to retain customer information. Since OneMain Financial no longer owns my debt, I request that my personal data be permanently deleted from your system, except for any information legally required to be retained for compliance purposes. 

Please confirm in writing that my personal data has been deleted or provide a legal justification for its retention. If you refuse this request, I will escalate the matter by filing complaints with the XXXX, the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I appreciate your prompt attention to this matter and request a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and found the following personal information to be in error :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
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 XXXX XXXX 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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

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 2025-03-18 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: NY

Complaint narrative:
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 XXXX XXXX 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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was exposed in the data breach that just occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MS

Complaint narrative:
I asked the companies and the credit Bureaus to send the original wet ink signed documents and all documents related to the opening of these fraudulent accounts on my credit profile. Under the Fair Credit Reporting act Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. I demanded to see a copy of the verifiable, validated proof ( an original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ) that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. Transunion, Equifax, nor Experian DID NOT validate proof as instructed as a result I have been damaged. The accounts that I Need removed are Bankruptcy XXXX  XXXX and Bankruptcy XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2025-03-18 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: MS

Complaint narrative:
I asked the companies and the credit Bureaus to send the original wet ink signed documents and all documents related to the opening of these fraudulent accounts on my credit profile. Under the Fair Credit Reporting act Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. I demanded to see a copy of the verifiable, validated proof ( an original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ) that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. Transunion, Equifax, nor Experian DID NOT validate proof as instructed as a result I have been damaged. The accounts that I Need removed are Bankruptcy XXXX  XXXX and Bankruptcy XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have a few inquiries that were reported to my credit including collections that are not mines but are being reported Ive disputed the issue they will not and have refused to remove it I called collections same thing

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 2025-03-18 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Urgent Dispute Reinserted Incorrect Account on Credit Report Dear [ XXXX ], I previously submitted a dispute regarding an incorrect account on my credit report, and after review, it was removed. However, I recently noticed that the same account has been reinserted into my report, negatively affecting my credit score. 

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), a credit bureau can not reinsert a previously deleted account without notifying me in writing within five business days and ensuring that the furnisher of the information has certified its accuracy. I have not received such notice, and I demand an immediate investigation into this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: WI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-18 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: CA

Complaint narrative:
I recently reviewed my credit report and was alarmed to find an inquiry from a company I have never interacted with. I did not apply for credit with them, nor did I authorize or consent to this inquiry. This unexpected and unauthorized activity is causing me significant stress and concern about how my personal information is being used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
I want to inform the Credit Bureau that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2025-03-18 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Credit card was getting charges from California and I live in Alabama. I never made the fraudulent charges. I caught the charges and reported it to Wells and Fargo several times. I was sent a number of new cards and I was still scammed. Wells and Fargo decided to still charge me for the fraudulent charges and now its on my credit and I cant get anything because of it. This all happened in 2019. I was charged late fees for charges I never made.

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 2025-03-18 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS INVOLVED IN THE EQUIFAX DATA BREACH AND RELEASED TO THE PUBLIC WITHOUT MY CONSENT. I NEED ALL UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I NEVER OBTAINED ANY GOODS SERVICES OR MONEY FROM THESE TRANSACTIONS. THIS DISPUTE WAS NOT DONE IN ERROR AND THERE IS NOT A MISREPRESENTATION OF MATER FACT RELEVANT TO THE REQUEST. MY RIGHTS ARE BEING INFRINGED UPON AND I NEED ALL ACCOUNTS REMOVED IN 4 DAYS

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 2025-03-18 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 HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS INVOLVED IN THE EQUIFAX DATA BREACH AND RELEASED TO THE PUBLIC WITHOUT MY CONSENT. I NEED ALL UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I NEVER OBTAINED ANY GOODS SERVICES OR MONEY FROM THESE TRANSACTIONS. THIS DISPUTE WAS NOT DONE IN ERROR AND THERE IS NOT A MISREPRESENTATION OF MATER FACT RELEVANT TO THE REQUEST. MY RIGHTS ARE BEING INFRINGED UPON AND I NEED ALL ACCOUNTS REMOVED IN 4 DAYS

Company response to consumer: Closed with non-monetary relief