vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My wife and i enrolled with XXXX XXXX XXXX a few years back, ( attached Docs Included ) I filed disputes with all three credit bureaus, but they confirm that the accounts was conformed not true, i even tried calling to see if i can send proof, i was told i needed to file another dispute which dose not make since. I really hope you guys can help with this situation because i need to move in the near future due to medical issues ( XXXX transplant ) Nevada 's not the place for medical issues. my plans are to move back to the XXXX XXXX. 
The following accounts still has balance it should say settled/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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Fraudulent Creditor XXXX Name : XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
The Account Number : XXXX Fraudulent Creditor 2 Name : XXXX XXXX XXXX Original creditor : XXXX XXXX  Summary : Both above accounts are fraud due to identity theft. I have never had a XXXX XXXX Bank nor a XXXX Apartments. Please remove. I did not authorize anyone to use my credit or have any knowledge of this. 

Code 15 USC 1681 : 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed and protects the privacy of consumer information.

Purpose Ensures that consumer reporting agencies ( CRAs ) are fair, accurate, and confidential Protects consumers ' right to privacy Promotes the efficiency of the banking system Maintains public confidence in the banking system What it covers The definition of a consumer report The procedures CRAs must follow to ensure accuracy The circumstances in which users can disclose consumer reports The permissible purposes for using consumer reports The rights of consumers whose information is communicated Who it applies to Credit reporting agencies, including XXXX, XXXX XXXX, and XXXX Private investigators, detective agencies, collection agencies, and more Federal, state, and municipal law enforcement agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
my information was sold to another account multiple times without my permission no knowledge of coolections.

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 2025-02-07 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:
my information was sold to another account multiple times without my permission no knowledge of coolections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting by Credit Bureaus Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate credit reporting by the major credit bureausspecifically, Experian, Equifax, and TransUnion. I have noticed discrepancies in my credit report, and despite my efforts to dispute the errors, these inaccuracies remain unresolved. 

Here are the details of my situation : Full Name : XXXX XXXX XXXX of BirthXXXX Social Security Number ( last four digits ) : XXXX Account ( s ) Affected : XXXX XXXX Account number XXXX XXXX Account number XXXX The inaccurate information includes : 1. XXXX XXXX account is reported as a settled for less on the experian report while also being reported as a settled for less was a charge off on transunion. i contacted XXXX XXXX and they provided evidence that this account paid and settled and should be showing settled not charge off. These inconsistencies and inaccuracies in reporting are violating the guidelines for credit reporting and should be deleted off my credit reports 2. XXXX XXXX account that is reported as a charge off but I was never given a 1099c which is required by the law, I contacted the bank to provide the 1099C on a phone call but all in vein. I have since disputed these discrepancies with the credit bureaus involved, but the incorrect entries remain on my report.

The inaccurate reporting is affecting my credit score, which in turn negatively impacts my ability to apply for a loan, credit card, mortgage, etc., and I am concerned about the long-term consequences on my financial health.

I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit bureaus correct these inaccuracies and adhere to the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting violates my rights under the FCRA, and I seek prompt action to resolve these issues.

Attached are copies of the relevant documents, including my credit report, dispute correspondence, and any supporting documentation I have provided to the credit bureaus.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. If you require any further information from me, please feel free to contact me at XXXX or XXXX. 

Sincerely, 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting by Credit Bureaus Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate credit reporting by the major credit bureausspecifically, Experian, Equifax, and TransUnion. I have noticed discrepancies in my credit report, and despite my efforts to dispute the errors, these inaccuracies remain unresolved. 

Here are the details of my situation : Full Name : XXXX XXXX XXXX of BirthXXXX Social Security Number ( last four digits ) : XXXX Account ( s ) Affected : XXXX XXXX Account number XXXX XXXX Account number XXXX The inaccurate information includes : 1. XXXX XXXX account is reported as a settled for less on the experian report while also being reported as a settled for less was a charge off on transunion. i contacted XXXX XXXX and they provided evidence that this account paid and settled and should be showing settled not charge off. These inconsistencies and inaccuracies in reporting are violating the guidelines for credit reporting and should be deleted off my credit reports 2. XXXX XXXX account that is reported as a charge off but I was never given a 1099c which is required by the law, I contacted the bank to provide the 1099C on a phone call but all in vein. I have since disputed these discrepancies with the credit bureaus involved, but the incorrect entries remain on my report.

The inaccurate reporting is affecting my credit score, which in turn negatively impacts my ability to apply for a loan, credit card, mortgage, etc., and I am concerned about the long-term consequences on my financial health.

I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit bureaus correct these inaccuracies and adhere to the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting violates my rights under the FCRA, and I seek prompt action to resolve these issues.

Attached are copies of the relevant documents, including my credit report, dispute correspondence, and any supporting documentation I have provided to the credit bureaus.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. If you require any further information from me, please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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 interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XXXX - {$XXXX} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account charges off every year! How is this even legal? Once its charged off its charged off. How are they able to charge off the account every year over and over? this is not even my account. The vehicle was awarded to my ex wife in divorce. She defaulted on the payments resulting in a repossession. The account was closed in XXXX  and every year they update the account by charging it off again and again on my credit damaging my credit score time and time again. PLEASE HAVE THIS ACCOUNT DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account charges off every year! How is this even legal? Once its charged off its charged off. How are they able to charge off the account every year over and over? this is not even my account. The vehicle was awarded to my ex wife in divorce. She defaulted on the payments resulting in a repossession. The account was closed in XXXX  and every year they update the account by charging it off again and again on my credit damaging my XXXX XXXX time and time again. PLEASE HAVE THIS ACCOUNT DELETED!

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account charges off every year! How is this even legal? Once its charged off its charged off. How are they able to charge off the account every year over and over? this is not even my account. The vehicle was awarded to my ex wife in divorce. She defaulted on the payments resulting in a repossession. The account was closed in XXXX  and every year they update the account by charging it off again and again on my credit damaging my XXXX XXXX time and time again. PLEASE HAVE THIS ACCOUNT DELETED!

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 2025-02-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/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 2025-02-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been trying to get this late off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2025-02-07 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 : Complaint Against Experian Failure to Verify Hard Inquiries, Accounts. 

Dear CFPB, I am filing a complaint against Experian XXXX XXXX for failing to verify Inquiries and Accounts on my credit report. Under FCRA 609 ( a ) ( 1 ) ( A ), I requested verification, specifically the original contract with my wet ink signature, proving I authorized these inquiries. They have failed to provide this documentation, and it has now been over XXXX  days. 

Per FCRA 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted immediately. Experian & XXXX are now legally required to remove these accounts within four ( 4 ) business days, yet they have not done so. 

I request the CFPB to investigate and ensure Experian complies with federal law by removing these unverifiable inquiries from my credit report. 

Sincerely, 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 2025-02-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to address serious violations committed by XXXX XXXX XXXX XXXX Equifax, XXXX and XXXX regarding the illegal reporting of my student loan information. 
Violation of Family Educational Rights and Privacy Act ( XXXX ) Under XXXX, schools are required to have written consent from a parent or eligible student before releasing any information from a student 's educational record. I have never provided any written permission or contract authorizing [ XXXX XXXX ] or Equifax, XXXX and XXXX to disclose or report my educational records. 

XXXX only permits disclosure without consent in limited circumstances ( XXXXXXXX XXXX XXXXXXXX ), such as : * To school officials with legitimate educational interest.


* To comply with judicial orders or lawfully issued subpoenas. No such circumstances apply here. If [ Creditor Name ] believes I provided written permission, I formally request that documentation pursuant to Rule 1002. Violation of 15 U.S. Code 6801 - Protection o
f Nonpublic Personal InformationExperian, Equifax and XXXX have violated federal law by failing to safeguard my nonpublic personal information, as required under 15 U.S. Code 6801. This statute imposes an affirmative obligation on financial institutions to protect the privacy, security, and confidentiality of customers records. Specifically : 1. You failed to secure my records and protect them from unauthorized disclosure. 
XXXX. You unlawfully furnished my private educational records to credit bureaus like XXXX, Equifax, and XXXX, which have experienced multiple data breaches. 

Identity Theft Under 18 U.S. Code 1028A Your unauthorized use of my private educational records amounts to identity theft. Under 18 U.S. Code 1028A, it is illegal to knowingly use a means of identification without lawful authority. By reporting my student loan information without permission, you have violated my rights and caused significant harm to my creditworthiness and personal reputation.

Impact on My Life Your unlawful actions have caused severe inconvenience and harm to my life, including : * Denial of credit applications.

* Adverse actions that have affected my financial stability, reputation, and overall quality of life.

Company response to consumer: Closed with explanation