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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
So a lot of the things that was reported was fraud and its stoping me as a mother of 5 taking care of my kids. I have tried numerous of time to get those things removed

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 2025-02-04 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: IL

Complaint narrative:
So a lot of the things that was reported was fraud and its stoping me as a mother of 5 taking care of my kids. I have tried numerous of time to get those things removed

Company response to consumer: Closed with explanation
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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request the correction of inaccurate information appearing on my credit report. Upon reviewing my credit report, I noticed that this account is inaccurately marked, causing potential harm to my credit profile. After contacting the company associated with this account, I was informed that the issue stemmed from a miscommunication on their part. Specifically : Statements for this account were sent to the wrong address, which caused delays in communication and confusion about the account status. 
The company has acknowledged their mistake and assured me that the address error has been corrected in their system. 
They also confirmed that the account should accurately reflect as open or closed/never late based on its payment history and status. 
I request that XXXX update my credit report to reflect the accurate status of this account in line with the companys confirmation. This correction should include : Removal of any late payment records erroneously reported. 
Updating the account to show the appropriate status of open or closed/never late, as agreed upon by the company. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you investigate this matter and make the necessary corrections within the statutory time frame. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$XXXX} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$XXXX} PER VIOLATION AND LEGAL ACTION

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 2025-02-04 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: MA

Complaint narrative:
This is a follow up on a claim that i submitted on XX/XX/year> against experian, reporting 3 inquiries that i dont recognize on my credit report. They sent me an email saying that my complaint was resolved. When i try to go into the dispute results it says that arent available online, also havent see any update on my report. I would really appreciate that you guys double check with them. Attached there is info about these inquiries and a report from identity theft. Thanks for your help and pront action. 
Best regards, 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 2025-02-04 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:
Subject : **Immediate Deletion Demand for Inaccurate Information on Credit Report** To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account referenced below. This account has been previously disputed, yet you have failed to correct the inaccuracies. I now demand the **immediate deletion** of this account from my credit report due to multiple glaring inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and infringe upon my consumer rights. 

**Account Information : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , Experian, Equifax **Inconsistencies Noted : ** 1. **Account Status Discrepancy** : The account is reported as a " Collection Account '' across different agencies, but the status dates and last reported dates are inconsistent. For example, TransUnion lists the last reported date as XX/XX/year>, while Experian shows it as XX/XX/year>. This blatant discrepancy violates 607 ( b ) of the FCRA, which mandates maximum accuracy in reporting.

2. **Monthly Payment Inconsistency** : The monthly payment amounts reported are not uniform across agencies. TransUnion states a payment of {$130.00}, while Experian and Equifax report different amounts. This misrepresentation of my financial obligations is unacceptable and violates 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. **Payment History Confusion** : The two-year payment history shows conflicting entries, with inconsistent " OK '' and " CO '' statuses. This misrepresentation of my payment behavior directly undermines my creditworthiness and is a clear violation of the FCRA 's accuracy requirements.

4. **Account Type Misrepresentation** : The account type is labeled differently across agencies ( e.g., Installment vs. Collection ), causing further confusion and undermining the integrity of my credit profile. This violates 609 ( e ) of the FCRA regarding accurate reporting.

Your continued failure to correct these inaccuracies after my previous dispute is unacceptable and has significantly harmed my credit report, resulting in potential denials of credit and increased interest rates. Given the severity of these discrepancies, I demand the **immediate removal** of this account from my credit report. If you can not provide accurate verification, you are legally obligated to delete it as stipulated by the FCRA.

I expect a prompt and thorough investigation and resolution to this matter. Failure to comply with my request will lead to further action on my part, including contacting regulatory authorities.

Thank you for your immediate attention to this serious 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 2025-02-04 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: CA

Complaint narrative:
Subject : **Immediate Deletion Demand for Inaccurate Information on Credit Report** To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account referenced below. This account has been previously disputed, yet you have failed to correct the inaccuracies. I now demand the **immediate deletion** of this account from my credit report due to multiple glaring inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and infringe upon my consumer rights. 

**Account Information : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , Experian, Equifax **Inconsistencies Noted : ** 1. **Account Status Discrepancy** : The account is reported as a " Collection Account '' across different agencies, but the status dates and last reported dates are inconsistent. For example, TransUnion lists the last reported date as XX/XX/year>, while Experian shows it as XX/XX/year>. This blatant discrepancy violates 607 ( b ) of the FCRA, which mandates maximum accuracy in reporting.

2. **Monthly Payment Inconsistency** : The monthly payment amounts reported are not uniform across agencies. TransUnion states a payment of {$130.00}, while Experian and Equifax report different amounts. This misrepresentation of my financial obligations is unacceptable and violates 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. **Payment History Confusion** : The two-year payment history shows conflicting entries, with inconsistent " OK '' and " CO '' statuses. This misrepresentation of my payment behavior directly undermines my creditworthiness and is a clear violation of the FCRA 's accuracy requirements.

4. **Account Type Misrepresentation** : The account type is labeled differently across agencies ( e.g., Installment vs. Collection ), causing further confusion and undermining the integrity of my credit profile. This violates 609 ( e ) of the FCRA regarding accurate reporting.

Your continued failure to correct these inaccuracies after my previous dispute is unacceptable and has significantly harmed my credit report, resulting in potential denials of credit and increased interest rates. Given the severity of these discrepancies, I demand the **immediate removal** of this account from my credit report. If you can not provide accurate verification, you are legally obligated to delete it as stipulated by the FCRA.

I expect a prompt and thorough investigation and resolution to this matter. Failure to comply with my request will lead to further action on my part, including contacting regulatory authorities.

Thank you for your immediate attention to this serious issue..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-04 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2025-02-04 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. There are not showing any account numbers that state these accounts actually belong to me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I discovered inconsistencies in the reporting of a XXXX collection account ( Account # XXXX ) across the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ). Specifically : The account type is inconsistently reported ( XXXX Account vs. Installment vs. XXXX ). 
The account status is marked as " XXXX '' with XXXX bureau while " Closed '' with others. 
The date of last activity and date opened vary across bureaus, raising concerns about reporting accuracy. 
The payment status varies in classification, affecting my credit negatively. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I disputed these inconsistencies with TransUnion, requesting a thorough reinvestigation and manual verification of the information with the original creditor. However, TransUnion has failed to provide adequate validation or remove the unverifiable data, violating its obligation under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) which requires the bureau to notify other credit reporting agencies if information is found inaccurate or deleted. 

Additionally, XXXX, as the data furnisher, is required under 15 U.S.C. 1681s-2 ( b ) to investigate and correct inaccurate information but has failed to do so. 

Given these violations, this inaccurate and unverified information continues to damage my creditworthiness unfairly.

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 2025-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My wife and I were expecting a refund from the IRS and XXXX for XXXX tax filing. Where is our State refund?

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 2025-02-04 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: OH

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports, This Account Does Not Belong to Me, Please Remove. FCRA XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have already reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the entity responsible for the inquiry, requesting the immediate removal of their credit inquiry from my profile and the cessation of their illegal activities. However, I have not received any response from their office within the XXXX business days since sending the letter, and my request has not been honored.

Company response to consumer: Closed with non-monetary relief
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 — Old information reappears or never goes away
Company: MOHELA
State: NJ

Complaint narrative:
MOHELA recently updated a paid and closed account of mine with a new account number, which resulted in a significant drop in my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have received my credit report and found there are several inaccurate data points within my personal identification which your agencies is reporting. Please DELETE any other names and address that are reported by your agencies.

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