vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
My identity was stolen when someone gained access to my personal information, including my name, social security number, and financial details. They opened credit cards and personal loans in my name, which i only discovered after receiving alerts from my credit monitoring service.This invasion of privacy has had a lasting impact on my life. Not only did it damage my credit score but its also cause emotional distress and anxiety. Dealing with fraudulent accounts, disputing charges, and trying to restore my credit has been time consuming and stressful.The theft is unfair because the victim bears the vurden of fixing the damage. It has affected my financial future, making it harder to find a place to stay and making purchases that is needed. The emotional toll has been just as significant, affecting my sense of security and relationship. Identity Theft is a crime that leaves lasting consequences, and no one should have to endure such an experience.

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 2025-04-18 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: GA

Complaint narrative:
My identity was stolen when someone gained access to my personal information, including my name, social security number, and financial details. They opened credit cards and personal loans in my name, which i only discovered after receiving alerts from my credit monitoring service.This invasion of privacy has had a lasting impact on my life. Not only did it damage my credit score but its also cause emotional distress and anxiety. Dealing with fraudulent accounts, disputing charges, and trying to restore my credit has been time consuming and stressful.The theft is unfair because the victim bears the vurden of fixing the damage. It has affected my financial future, making it harder to find a place to stay and making purchases that is needed. The emotional toll has been just as significant, affecting my sense of security and relationship. Identity Theft is a crime that leaves lasting consequences, and no one should have to endure such an experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CREDIT XXXX * XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a written dispute to Equifax regarding fraudulent activity on my credit report as a result of identity theft. I am a victim of a data breach, and I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ), which was included in my dispute. 

I formally requested that Experian block and remove several unauthorized accounts and inquiries, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. These include : XXXX XXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXX XXXX Multiple entries totaling over {$80000.00} Hard Inquiries : XXXX XXXX and XXXX XXXX  I asked Experian to take action within the required 4 business days and provide me with an updated copy of my credit report. I also cited multiple violations of the Fair Credit Reporting Act and informed them that failure to respond satisfactorily could result in a small claims lawsuit. 

Despite this, I have not received a satisfactory resolution or confirmation that these fraudulent accounts have been removed or blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: 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 USC1681. 

Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX, Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 2025-04-18 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-04-18 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: TX

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 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 ) ( a ) 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. 
Delete the accounts below : XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by refusing to conduct a reasonable investigation into inaccurate items, unauthorized inquiries and incorrect personal information on my credit report, despite receiving a properly submitted dispute with supporting documentation. 

On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number : XXXX ) requesting an investigation into inaccurate items, unauthorized inquiries and incorrect personal information listed in my report. To verify my identity and address, I enclosed copies of my photo ID, Social Security card, and a recent utility bill reflecting my current address. 
On XX/XX/year>, TransUnion responded, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is baseless and contradicts my rights under the FCRA, which mandates that credit bureaus conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information in their credit file ( 15 U.S.C. 1681i ). TransUnions refusal to process my legitimate dispute, despite receiving proper verification documentation, demonstrates a clear failure to comply with this obligation.

TransUnions inaction has denied me my right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my FCRA rights is unacceptable and has caused significant frustration. 
To support my claim, I have included a copy of my dispute letter along with identity verification documents ( photo ID, Social Security card, and utility bill ), a XXXX XXXX mail receipt with tracking number # XXXX, and XXXX response letter dated XX/XX/year>.

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 2025-04-18 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: IL

Complaint narrative:
Subject : Dispute of Incorrect Account Type Reporting XXXX To Whom It May Concern, I am writing to formally dispute the reporting of an account on my credit reports with Equifax, Experian, and Transunion that appears to be inaccurately categorized across the different credit agencies. 

The account in question is reported under the name " XXXX '' I have noticed many inconsistencies in the way this account is being reported : On TransUnion, it is reported as a XXXX ( XXXX  account ). 
On Experian, it is reported as a XXXX  account type ( XXXX  account ) On Equifax, it Was reported as a XXXX  account XXXX  type after my dispute submitted on XX/XX/year> they changed it to closed, but the closed date is incorrect Equifax shows Different closing date Experian shows different Closing date Transunion shows different closing date According to the FCRA this doesn't meet the guidelines which means it needs to be removed from my credit profile. This discrepancy is misleading and is negatively affect my credit profile. I request that you investigate this matter and remove this account from mu credit report reflect its true nature across all credit reporting platforms. there has been many errors during the many disputes I've submitted Attached are copies of my credit reports highlighting the discrepancies, as well as my identification and any documentation relevant to the account. 

Please conduct an investigation under the Fair Credit Reporting Act ( FCRA ) and provide me with the results in writing. the account isn't verified accurately, I request that it be removed from my credit file. the discrepancies is unacceptable and is violating me as a consumer also my rights along with the FCRA and FDCPA ( different account types, and different closing dates ) is inaccurately reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of photo ID copy of social security card screenshot of accounts being reported differently attached Experian/Equifax current complaints with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
Subject : Dispute of Incorrect Account Type Reporting XXXX To Whom It May Concern, I am writing to formally dispute the reporting of an account on my credit reports with Equifax, Experian, and Transunion that appears to be inaccurately categorized across the different credit agencies. 

The account in question is reported under the name " XXXX '' I have noticed many inconsistencies in the way this account is being reported : On TransUnion, it is reported as a XXXX ( XXXX  account ). 
On Experian, it is reported as a XXXX  account type ( XXXX  account ) On Equifax, it Was reported as a XXXX  account XXXX  type after my dispute submitted on XX/XX/year> they changed it to closed, but the closed date is incorrect Equifax shows Different closing date Experian shows different Closing date Transunion shows different closing date According to the FCRA this doesn't meet the guidelines which means it needs to be removed from my credit profile. This discrepancy is misleading and is negatively affect my credit profile. I request that you investigate this matter and remove this account from mu credit report reflect its true nature across all credit reporting platforms. there has been many errors during the many disputes I've submitted Attached are copies of my credit reports highlighting the discrepancies, as well as my identification and any documentation relevant to the account. 

Please conduct an investigation under the Fair Credit Reporting Act ( FCRA ) and provide me with the results in writing. the account isn't verified accurately, I request that it be removed from my credit file. the discrepancies is unacceptable and is violating me as a consumer also my rights along with the FCRA and FDCPA ( different account types, and different closing dates ) is inaccurately reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of photo ID copy of social security card screenshot of accounts being reported differently attached Experian/Equifax current complaints with the CFPB

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 2025-04-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of these collection account listed on my credit report under the account #. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collections account from my credit report and provide written confirmation of this action. If the collections agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-18 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: MD

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 2025-04-18 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: AZ

Complaint narrative:
There are multiple late payments listed on my account with XXXX Acct # : XXXX. I've already filed a dispute prior to filing this complaint with the credit bureaus to update these late payments pursuant to 15 USC 1666b. This is a billing error.

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 2025-04-18 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: TX

Complaint narrative:
I'm reaching out because I'm seriously concerned about the security and accuracy of my personal information. I've noticed that a certain account showing up on my credit report dont belong to methey appear to be linked to someone else entirely. This kind of mix-up is not only frustrating, it's unsettling, especially when it keeps happening. This isn't just about fixing a credit reportit 's about protecting my identity.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
there was a collections account reported on my credit profile which is not mine. My social was used in creation of the account and now is delinguent XXXX dollars. This was done without my consent or knowledge. The collection is for a utility company in XXXX and I have no knowledge of the account. At the time of account creation I was consistently living in nj and had utilities under my name at the nj address. I like this to be resolved as this resulted in a significant drop in my XXXX XXXX. this is effecting my family 's and I 's well being and livelihood. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation