vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
XX/XX/XXXX You reached out to the collection company. 
XXXX. XX/XX/XXXX You reached out to the collection company again. 
XXXX. XX/XX/XXXX Another outreach to the collection company. 
XXXX XXXX I was told bye central portfolio they are no longer going to talk to me are tell me anything because I have a layer and yelled That on the phone XXXX. XX/XX/XXXX Your lawyer reached out to central portfolio after reviewing the court documents stating that I did not get evicted and I do not owe them the amount they are saying Let me know if youd like to adjust or add any other details!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
I am writing to formally dispute fraudulent accounts that have been added to my credit report without my authorization. As a victim of identity theft, I request the immediate removal of these fraudulent accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Accounts on My Credit Report : Credit Card Opened by the Thief XXXX  Card Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Credit Card Opened by the Thief XXXX  Card Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Legal Basis for My Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 As a victim of identity theft, I have the right to request the blocking of fraudulent information from my credit report. 
Experian must remove fraudulent information within XXXX business days of receiving my dispute and supporting evidence. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i If disputed information is inaccurate, incomplete, or unverifiable, Experian must delete it.

The credit bureau can not reinsert fraudulent information unless the creditor provides proper certification, and I must be notified within XXXX business days if reinsertion occurs. 
XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681m Identity theft victims have the right to place fraud alerts on their credit file to prevent further unauthorized use. 
XXXX. Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 It is a federal crime to use another persons identity to commit fraud.

I have reported this crime to the Federal Trade Commission ( FTC ) under FTC Report Number XXXX and have taken legal steps to protect my identity. 

Requested Actions : XXXX. XXXXmmediate removal of the fraudulent accounts from my credit report. 
XXXX. Written confirmation from Experian stating that these fraudulent accounts have been removed permanently. 
XXXX. Placement of a fraud alert on my file to prevent further identity theft. 
XXXX. A free updated copy of my credit report reflecting these corrections.

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 2025-03-15 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: FL

Complaint narrative:
The XXXX XXXX XXXX ( Account # XXXX ) is being reported with contradictory, inconsistent, and unverifiable information across Equifax, Experian , and TransUnion, violating 12 CFR 1022.41.

Equifax reports {$0.00} high credit, while Experian lists {$110000.00} ( data corruption ).

Experian states Closed by consumer, yet also lists it as Unpaid loss ( conflicting status ). 
TransUnions record is also inconsistent with XXXX XXXX guidelines. 
Additionally, multiple unauthorized inquiries have been made on my credit file without permissible purpose, violating FCRA 604 ( a ) ( 3 ).

Unauthorized Inquiries Across All Bureaus : - Equifax : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Experian : 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 ), XXXX XXXX ( XX/XX/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 ). 

- TransUnion : XXXX XXXX ( XX/XX/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 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 2025-03-15 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX TX XXXX, ( 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 2025-03-15 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-15 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: NJ

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Assistance from XXXX XXXX my credit reports related to a loan with XXXX XXXX XXXX, as well as the inadequate assistance I have received from them in resolving these issues. 

I found the following discrepancies across the XXXX major credit bureaus : XXXX. XXXX : The loan has been completely removed from my credit report, which accurately reflects the agreement upon final payment. 

XXXX. XXXX : The loan is reporting " XXXX XXXX paid '' with a status of " charged off, '' with the last payment recorded as XX/XX/year>. This does not accurately depict my payment history. 

XXXX. Equifax : The loan is reporting " XXXX XXXX paid, '' with a payment made after the charge-off recorded as XXXX XXXX paid on XX/XX/year>. 

In my attempts to resolve these discrepancies, I have contacted XXXX XXXX multiple times, requesting a pay-for-deletion or a letter of removal to send to the credit bureaus Equifax & XXXX XXXX Unfortunately, I have encountered significant obstacles. XXXX XXXX has repeatedly bounced me back and forth between customer service and asset recovery, ultimately leading to disconnected extensions and no resolution. 

Their lack of assistance in this matter is frustrating, and it has hindered my ability to rectify the inaccuracies on my credit report. Given the recent data breaches and the importance of accurate credit reporting, I am deeply concerned about how this situation affects my creditworthiness and financial future. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit report reflects accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Assistance from XXXX XXXX my credit reports related to a loan with XXXX XXXX XXXX, as well as the inadequate assistance I have received from them in resolving these issues. 

I found the following discrepancies across the XXXX major credit bureaus : XXXX. XXXX : The loan has been completely removed from my credit report, which accurately reflects the agreement upon final payment. 

XXXX. TransUnion : The loan is reporting " XXXX XXXX paid '' with a status of " charged off, '' with the last payment recorded as XX/XX/year>. This does not accurately depict my payment history. 

XXXX. XXXX : The loan is reporting " XXXX XXXX  paid, '' with a payment made after the charge-off recorded as XXXX XXXX  paid on XX/XX/year>. 

In my attempts to resolve these discrepancies, I have contacted XXXX XXXX multiple times, requesting a pay-for-deletion or a letter of removal to send to the credit bureaus XXXX & Transunion XXXX Unfortunately, I have encountered significant obstacles. XXXX XXXX has repeatedly bounced me back and forth between customer service and asset recovery, ultimately leading to disconnected extensions and no resolution. 

Their lack of assistance in this matter is frustrating, and it has hindered my ability to rectify the inaccuracies on my credit report. Given the recent data breaches and the importance of accurate credit reporting, I am deeply concerned about how this situation affects my creditworthiness and financial future. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit report reflects accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these discrepancies.

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 2025-03-15 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: PA

Complaint narrative:
I am formally disputing the accuracy of certain accounts listed on my credit report and requesting their immediate removal. Despite my previous dispute submissions, you have consistently responded within XXXX hours stating that the accounts are accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable and good-faith investigation into consumer disputes. 

Under the FCRA, you are required to conduct a proper investigation and provide substantiating documentation from the data furnisher to validate the accounts in question. If no verifiable documentation can be provided, these accounts must be deleted from my credit report immediately. 

Furthermore, your actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as the failure to properly investigate disputes constitutes an unfair and deceptive practice under federal law. The CFPB has recently highlighted similar violations in administrative proceedings, emphasizing the necessity of compliance with investigation requirements. 

I am requesting that you conduct a thorough investigation, provide me with documentation verifying the legitimacy of the disputed accounts, or delete them from my credit report within the legally mandated timeframe. If my request is not properly addressed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: IN

Complaint narrative:
Under XXXX XXXX. XXXX ( a ), individuals or entities who have been harmed by violations of antitrust laws, including unfair or deceptive trade practices, may file a civil action to seek appropriate legal remedies. This statute allows consumers or businesses that are affected by anticompetitive practices or other unlawful conduct to pursue damages in the form of compensatory awards, as well as potential injunctive relief to stop further violations. In cases of serious violations, the law also allows for the award of triple damages as a deterrent against continued violations. 

Given the nature of the complaint, I believe the actions I have experienced may involve violations of the above-mentioned antitrust provisions, and I am seeking investigation and appropriate action from the CFPB to remedy the harm caused.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My data, including sensitive XXXX, was accessed by XXXX XXXX and the XXXX department, who did not have my permission or the clearance to be viewing that data, have accessed that data unlawfully. Unsure the exact dates, but they were given access to all student loan data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) [ CFPB Mailing Address or Online Submission ] Subject : Request to Block Fraudulent Information and Remove Reinsertion of Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent accounts that have been reinserted into my credit report without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The following accounts were previously removed due to identity theft and must not have been reinserted without the required legal process : Fraudulent Account Information : Creditor : XXXX XXXX  Account Number : XXXX Additionally, I have reason to believe my Social Security number ( SSN ) and personal information have been used fraudulently, resulting in multiple unauthorized accounts and inquiries on my credit report. 

Violations of Consumer Protection Laws These actions constitute clear violations of multiple federal regulations, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide written notice before reinserting disputed information.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Despite multiple requests, my personal information has not been updated, exposing me to ongoing identity theft. Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, which violates my consumer rights.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus 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 BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$27.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance {$43.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX OF XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX P XXXX XXXX C U 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 2025-03-15 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 want to inform the Credit Bureaus 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 BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$27.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance {$43.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX OF XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX P XXXX XXXX C U XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: FL

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 XXXX 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