vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Account Name - XXXX XXXX XXXXXXXX XXXX XXXX Transunion Account Name - XXXX XXXX XXXX XXXX - XXXX XXXX and Transunion are reporting the account status as derogatory while XXXX is reporting the account status as paid. 

XXXX and XXXX are reporting that the account was opened on XX/XX/XXXX while Transunion is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$33000.00} while Transunion and XXXX are reporting {$35000.00}. 

XXXX is reporting a last report date of XX/XX/XXXX, XXXX is reporting a last date report of XX/XX/XXXX, and Transunion is reporting a last report date of XX/XX/XXXX. 

XXXX is reporting a date of last payment as XX/XX/XXXX, Transunion is reporting a date of last payment as XX/XX/XXXX and XXXX does not report the last payment date. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, XXXX is reporting the last date of activity as XX/XX/XXXX and Transunion is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section XXXX ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.

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 2025-02-06 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: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

Equifax Account XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX Account Name - XXXX XXXX XXXX XXXX XXXX XXXX Account Name - XXXX XXXX XXXX XXXX - XXXX Equifax and XXXX are reporting the account status as derogatory while XXXX is reporting the account status as paid. 

Equifax and XXXX are reporting that the account was opened on XX/XX/XXXX while XXXX is reporting it being opened on XX/XX/XXXX. 

Equifax is reporting a high credit balance of {$33000.00} while XXXX and XXXX are reporting {$35000.00}. 

Equifax is reporting a last report date of XX/XX/XXXX, XXXX is reporting a last date report of XX/XX/XXXX, and XXXX is reporting a last report date of XX/XX/XXXX. 

Equifax is reporting a date of last payment as XX/XX/XXXX, XXXX is reporting a date of last payment as XX/XX/XXXX and XXXX does not report the last payment date. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, XXXX is reporting the last date of activity as XX/XX/XXXX and XXXX is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section XXXX ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name XXXX XXXX XXXX XXXX - XXXX  XXXX Experian Account Name - XXXX XXXX  XXXX XXXX XXXX XXXX Account Name - XXXX XXXX  XXXX XXXX - XXXX XXXX and XXXX are reporting the account status as derogatory while Experian is reporting the account status as paid. 

XXXX and Experian are reporting that the account was opened on XX/XX/XXXX while XXXX is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$33000.00} while XXXX and Experian are reporting {$35000.00}. 

XXXX is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX is reporting a last report date of XX/XX/XXXX. 

XXXX is reporting a date of last payment as XX/XX/XXXX, XXXX is reporting a date of last payment as XX/XX/XXXX and Experian does not report the last payment date. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and XXXX is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section XXXX ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX Then and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-06 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
American Express charged off my accounts, did not send me a 1099C, is still attempting to collect on the accounts, and is reporting negatively to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax XXXX XXXX am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : 1. XXXX XXXX XXXX, XX/XX/XXXX 2.Hunter warfield XXXX XXXX XX/XX/XXXX 3.Hunter warfield inc, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by Equifax and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within XXXX  days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX2025, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$29.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX2025, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$29.00}

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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I contacted Acima In regards to my lease, After filing my bankruptcy Acima Abruptly close my account and Im unable to see what I owe on the lease in fool Because I have been quoted different amounts in the beginning of my lease. Now they are saying that I owe a different amount for the item which is over {$5000.00} that was not quoted to me in the beginning of me signing the lease. I felt like it was very deceptive very misleading to the agreement I had originally signed. they also ended the lease agreement early and are still trying to charge me over {$5000.00} for this item which is completely unfair and illegal also they changed the amount of so whatever you signed for the amount is very misleading Using predatory business practices to lower customers into leasing items because if I know I would have been paying that amount I would have never least the item. they also terminated my lease agreement before it was due and theyre saying I still owe {$5000.00} which is incorrect if you terminated it, you broke the contract therefore I dont owe over {$5000.00} for this item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an issue I am experiencing with a debt collector, National Credit Systems. This company has failed to provide proof of ownership as well as any notification for an alleged debt and is inaccurately reporting information to the credit bureaus. I request your immediate intervention to ensure that this information is deleted from my credit reports due to the lack of proper validation. 

On XX/XX/year>, I requested validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked the company to provide proof of ownership of the alleged debt, including details of the original creditor, the amount owed, and any documentation that proves they have the legal right to collect on this account. 

Despite my request, National Credit Systems has failed to provide the required documentation. They have not responded to my request for validation in a reasonable time frame, nor have they provided sufficient proof that they own the debt in question. As a result, I believe they are reporting inaccurate information to the credit bureaus, as I have found this alleged debt listed on my credit report without any supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), the reporting of this debt without proper validation constitutes a violation of my rights. I request that the CFPB investigate this matter and ensure that National Credit Systems immediately delete this inaccurate information from my credit reports, as it can not be verified.

Company response to consumer: Closed with explanation