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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN : XXXX XXXX XXXX XXXX Original balance {$2300.00} Status Paid in settlement. {$760.00} written off. 
Status updated XX/XX/XXXX Original balance {$2300.00} Comments Account paid in full for less than full balance Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Status Paid in settlement. {$17000.00} written off. 
Status updated XX/XX/XXXX Original balance {$20000.00} Monthly payment - Last payment date XX/XX/XXXX XXXX XXXX XXXX Address XXXX, WA XXXX Phone number ( XXXX ) XXXX Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/XXXX Original balance {$12000.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$13000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX EXPERIAN Inquiries : XXXX Important dates Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX  XXXX Removal dateXXXX XXXXXXXX Additional details Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX  Phone number ( 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 2025-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Experian to dispute an account that is open my profile. They responded to me saying the account is not listed on my credit report. 

XXXX account number XXXX amount owed is {$0.00} Yet they sent me a copy of my credit report and it is clearly listed on my credit profile. 

I have provided a FTC theft report to them and will attach again. 

I will proceed with litigation under the FCRA if this is not removed immediately.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I receive a copy of my credit report and found the following items to be error. See the list of errors below. Here as follows are the items in error : XXXX. XXXX XXXX XXXX- {$23000.00} XXXX. XXXX- {$79000.00} By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the credit can not verify. I understand that under XXXX U.S.C Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Sincerely yours, XXXX XXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing you about the the misuse of my social security number due to the XXXX XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. 
XXXX Case Number : XXXX XXXX. 
XXXX XXXX XXXXXXXX Account Number : XXXX. 
XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX -- {$0.00} XXXX XXXX XXXX XXXX -- {$760.00}

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 2025-02-07 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( XXXX U.S.C. XXXX ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX XXXX - XXXX - {$4300.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I HAVE REACHED OUT TO RADIUS GLOBAL SOLUTIONS ASKING THEM TO VALIDATE AN ERRONEOUS DEBT COLLECTION THAT I DO NOT OWE IN THE SUM OF {$620.00}. I HAVE NEVER HAD ANY DEALS, ACCOUNTS, OR TRANSACTIONS OF ANY KIND WITH THEM. THIS ERROR HAS AFFECTED MY CREDIT WORTHINESS. I HACE ALSO REACHED OUT TO THE XXXX CREDIT REPORTING AGENCY. I HAVE BEEN ADVISED BY MY ATTORNEY TO REACH OUT THIS LAST TIME. IF THIS IS NOT CORRECTED EXPEDITIOUSLY, I WILL BEGIN ARBITRATION IMMEDIATELY!

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations. This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Experian charged off amount is {$1000.00} and closed as of XXXX 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Cease and Desist Notice To Whom It May Concern, I am writing to formally request that you cease and desist from reporting inaccurate and unauthorized information on my credit report.

My personal information has been reported without my consent, and I have evidence that this information may be inaccurate or misleading. Under the Fair Credit Reporting Act, I request an immediate investigation into these matters. 

Details of the Disputed Item : o Creditor Name : XXXX XXXX XXXX o Account Number : XXXX. 
o XXXX of the Issue : Never had an account with these company, inaccurate information I expect that you will stop any further reporting of this inaccurate information until the matter is resolved. Please confirm in writing that you have received this letter and that you have complied with my request within 30 days. 
Thank you for your prompt attention to this matter. 

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 belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Cease and Desist Notice To Whom It May Concern, I am writing to formally request that you cease and desist from reporting inaccurate and unauthorized information on my credit report.

My personal information has been reported without my consent, and I have evidence that this information may be inaccurate or misleading. Under the Fair Credit Reporting Act, I request an immediate investigation into these matters. 

Details of the Disputed Item : o Creditor Name : XXXX XXXX XXXX o Account Number : XXXX. 
o XXXX of the Issue : Never had an account with these company, inaccurate information I expect that you will stop any further reporting of this inaccurate information until the matter is resolved. Please confirm in writing that you have received this letter and that you have complied with my request within 30 days. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX 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 2025-02-06 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: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer ID : XXXX XXXX Early Warning Services Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Closed XXXX XXXX XXXX Reported Without Valid Reason FCRA Violation Dear Early Warning Services, I am writing to formally dispute the inaccurate information that has been reported regarding two XXXX XXXX accounts on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate representation of my credit history. The two accounts in question are being reported as closed, but I believe they were closed without valid reasoning or due process. 

The accounts are identified as : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX As per my records, these accounts were either not closed by me or were closed under circumstances that were not adequately disclosed. Furthermore, there was no clear communication from XXXX XXXX regarding the reasons for these closures. I have not received any notifications, nor have I been provided with a formal explanation for the actions taken on these accounts. 

Under the FCRA, specifically Section XXXX, you are required to investigate disputes and correct inaccurate or incomplete information on a consumers report within 30 days. I request that you conduct a thorough investigation into these two accounts and provide me with documentation that justifies their closure, or remove these items from my consumer report if they can not be substantiated. 

Please also note that under Section XXXX ( b ) of the FCRA, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy and fairness of the information they report. By allowing inaccurate information to be reported regarding the closure of these accounts without explanation, you are failing to meet these legal obligations. 

In addition, if this dispute is not resolved to my satisfaction, I will not hesitate to escalate the matter to the relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney generals office. 

I kindly request a prompt resolution to this matter and expect written confirmation within the statutory 30-day period. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX : XX/XX/XXXX Consumer ID : 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX XXXX - {$760.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX  - {$4400.00} XXXX XXXX - XXXX - {$790.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt 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 2025-02-06 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear XXXX Consumer Assistance XXXX XXXX XXXX - XXXX - Verify Account - XXXX U.S. CXXXX XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX - XXXX - Verify Account - XXXX U.S. CXXXX XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX  - XXXX - Verify Account - XXXX U.S. CXXXX XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX- XXXX FDCPA Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt. 

XXXX XXXX XXXX- XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt. 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt. 

Incorrect Name - XXXX XXXX - This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation