vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX bank XX/XX/XXXX XXXX federal credit union XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Information Services LLC has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NV

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 XX/XX/XXXX -- {$9500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have charge off account on my consumer report I need to file a XXXX for my taxes to reflect the tax write off the company as not provided me with this and it is hurting from obtaining credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
The consumer reporting agency EQUIFAX XXXX is in several violations of the FCRA and XXXX XXXX COMPLIANCE for not conducting a proper investigation and REMOVING INACCURATE DELINQUENT accounts on my consumer report furnished by the following companies - KIKOFF LENDING as well as an INACCURATE COLLECTION ACCOUNT FROM A DEBT BUYER I DONT OWE furnished by - XXXX XXXX - that I disputed twice with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed accounts referenced above which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. Within the installment account referenced above from the creditor XXXX XXXX XXXX there is a furnished late transaction showing 120 days past due in the month of XX/XX/XXXX that is not verified VIA BANK STATEMENT on the closed account which is a violation of 15USC1666 ( B ) and 15USC1681a ( 2 ). If the account is 120 days past due, why does the payment history show the previous months of XXXX XXXX as paid on time? Please update any late transactions within this installment account furnished by XXXX XXXX XXXX XXXX to paid as agreed. Equifax also refuses to remove XXXX hard inquirys furnished from creditors who did not have permissible purpose to obtain a copy of my credit report from XXXX XXXX XXXX on XX/XX/XXXX and XXXX MAIN on XX/XX/XXXX. Equifax needs to remove the inaccurate data described in all of my notices included in this complaint that are displayed in from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which I've included all my notices sent to them in the attachments below! It is this agencies obligation to report accurate data on my credit report and for them to not conduct an investigation and simply ignore my notices is absolutely OBSURD considering how their actions with no integrity effect the livelihood of my family and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
There was a major data breach and a lot if not all of my info has been exposed to third party sites for use.

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 2025-01-12 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries appearing on my credit report. As a victim of identity theft, compounded by my documented involvement in the Equifax XXXX breach, I have provided all necessary documentation in compliance with the Fair Credit Reporting Act ( FCRA ), including : * An official Police Report * An FTC Identity Theft Report * Proof of my information being compromised in the Equifax data breach Pursuant to 15 U.S.C. 1681c-2 ( a ), Equifax is XXXX by law to block and cease reporting fraudulent information within XXXX business days of receiving valid identity theft documentation. Your failure to comply with this statutory obligation is a clear violation of federal law. In addition, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) strictly prohibits the reinsertion of previously removed information without notifying me in writing. 

XXXX actions directly conflict with these legal provisions. 
Fraudulent Accounts to Be Blocked and Removed : XXXX XXXX XXXX ( XXXX XXXX ) * Account Number : XXXX * Balance : {$1200.00} * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX * Account Number : XXXX * Balance : {$800.00} * Date Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : XXXX. XXXX XXXX XXXX * Date : XX/XX/XXXX * Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Equifaxs continued XXXX to comply not only violates the FCRA, but also exposes the company to potential civil liability under 15 U.S.C. 1681n and 1681o, which permit legal action for willful or negligent noncompliance, including statutory damages, punitive damages, attorney fees, and court costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
I submitted a dispute and the disputes were completed the next day ( less than XXXX hours ) no way this information was properly verified in this time frame. 

XXXX. XXXX XXXX  XXXX acct # XXXX - listed as charge off, account was included in bankruptcy before charge off, dates are incorrect. 

XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX - high limit and credit balance is incorrect XXXX. XXXX acct # XXXX - credit limit and high balance is incorrect XXXX - acct XXXX XXXX I have no knowledge of this account, request signature of agreement XXXX acct # XXXX - high balance incorrect XXXX XXXX XXXX  XXXX -paid and closed before charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX - original balance incorrect XXXXXXXX XXXX UNION acct XXXX - XXXX history, charged off status incorrect

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 2025-01-12 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:
[ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN XXXX DOB XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information appearing on my Experian credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my Experian credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : - [ XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX IXXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX XXXX the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA XXXX result in further action, including the filing of a complaint with XXXX Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities. 
I request written confirmation that these accounts have been removed from my Experian credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you XXXX contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/year> Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX 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 explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I used robinhood to make a transaction to a friend for clothes for around XXXX worth of XXXX They restricted my account for fraudulent reasons so I contacted robinhood and they put me on a a call list and after a couple weeks they called and asked me if the transaction was me and I told them all the details and how everything was me and they said okay still needs to be investigated and they never called back and Ive been on the call list for weeks now and I sent a email say When will this be resolved and they said the case is already closed even tho I been waiting on this call for weeks and my account is still restricted and it has been the most frustrating thing to deal with having to get little to no help from there team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Dear Transworld systems this is my response to a notice about a debt.You guys reached out to me by email on XX/XX/year> and provided information about a debt in the amount of XXXX to original creditor XXXX XXXX I am not responsible for the debt you are trying to collect. 

If you have proof and a good reason to believe I am responsible for this debt please mail me relevant documentation including, ( but not limited to ).. 

Proof you are licensed in XXXX to collect this debt XXXX statement or bill showing amount I owe XXXX I signed proving debt is mine. 

Details about the last action taking on this account and proof Please record I dispute any ownership of this account also if you Collecting on this debt and forward it to a separate company, please let them know I disputed it.please also report my dispute to the credit bureau if you will report ( or already have reported ) this debt Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I recieved a notification via email while i was in bed on the night of XX/XX/year> of a hard inquiry by a company named Barclays Bank Deleware. I contacted them this morning on XX/XX/year> and stated I recieved an alert of a hard inquiry from their company that I did not authorize or recognize. They found the application and said they will investigate it. I asked for a copy of the application so I can report the fraud to law enforcement, for my records, and for my report to the credit bureaus. They refused to provide that information per " their policy ''. I mentioned their requirement to do so per the Fair Credit Reporting Act and they still refused. I asked if I could provide my email or address to recieve notifications of the fraudulent investigation and the would not except it stating I can call them in the future for that information.

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 2025-01-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Investigation To Whom It XXXX Concern, I am writing to formally file a complaint against the major credit bureausEquifax, XXXX, and XXXX failing to properly investigate and correct inaccurate information on my credit report. 

I have identified multiple accounts on my credit report that are being reported as duplicate entries with incorrect account numbers. These errors are significantly impacting my credit profile. I have submitted formal disputes to each credit bureau, requesting that they investigate these discrepancies and correct or remove the inaccurate information. However, they have failed to conduct a reasonable investigation or resolve the issue. 

Additionally, I have reached out directly to the companies reporting these accounts, requesting validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests, these companies have not provided any verification or documentation to validate the debts they are reporting. 

This lack of response and failure to correct inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate disputes thoroughly and ensure that all reported information is accurate. 
I am requesting that the CFPB investigate this matter and take appropriate action to ensure that : 1. The credit bureaus conduct a proper investigation into the disputed accounts.

2. Duplicate accounts with incorrect account numbers are removed from my credit report.

3. The reporting companies provide proper debt validation or cease reporting these accounts. 

I have attached supporting documents, including copies of my dispute letters, responses ( if any ), and credit reports highlighting the disputed accounts. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, [ Your Signature ( if mailing ) ] [ Your Printed Name ] Attachments : Copies of dispute letters sent to credit bureaus Copies of debt validation requests sent to reporting companies Copies of credit reports showing the disputed accounts

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