vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I HAVE DISCOVERED UNATHORIZED ACCOUNTS AND INQUIERIES ON MY CONSUMER REPORT, PROMPTING ME TO FILE A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ( FTC ). MY GREVANCE IS DIRECTED TOWARDS TRANSUNION, EXPRIAN, EQUIFAX FOR INFRINGING UPON MY COSUMER RIGHTS BY INCLUDING THESE ACCOUNTS IN MY CREDIT REPORT. I STRONGLY BELIEVE THAT THIS SITUATION EXPLOITS ME, AND I SEEK SESOULUTION. 
ACCOUNTS XXXX  XX/XX/XXXX {$710.00} DEPT OF ED XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX {$720.00} XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00}, XXXX {$1100.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NV

Complaint narrative:
I am filing a formal complaint against [ XXXX XXXX XXXX, & XXXX XXXX XXXX ] for multiple violations of federal consumer protection laws related to their inaccurate reporting of a debt. Investigation to correct these errors, hold the debt collector accountable, and ensure the deletion of this debt from all credit reports. 
Violations Identified 1. False Representation of Debt Status ( FCRA & FDCPA ) o The debt collector inaccurately reports the account as open on my credit report. However, this account was charged off by the original creditor and the last payment was made on XX/XX/XXXX. Charged-off accounts must be reported as closed under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

2. Incorrect Debt Amount ( FCRA & FDCPA ) o The balance reported ( {$8100.00} ) does not match the original creditors records or my payment history as reported to XXXX on XX/XX/XXXX. This violates the FCRAs requirement to report accurate information and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ), which prohibits false or misleading representations.

3. Fraudulent Collection Date ( FDCPA ) o The debt collector claims the account was placed for collection on XX/XX/XXXX, even though the last payment was made on XX/XX/XXXX. This misrepresentation artificially inflates the debts age, which could constitute re-aging under the FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ) ). In fact, this would allow credit bureaus to report these inaccuracies until XX/XX/XXXX which would make that to be 8yrs 4. Failure to Investigate Disputes ( FCRA ) o On [ XX/XX/XXXX ], I disputed these errors in writing to [ XXXX XXXX XXXX ] and the credit bureaus the same month. The debt collector failed to conduct a reasonable investigation or correct inaccuracies, violating FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a formal complaint against [ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ] for multiple violations of federal consumer protection laws related to their inaccurate reporting of a debt. Investigation to correct these errors, hold the debt collector accountable, and ensure the deletion of this debt from all credit reports. 
Violations Identified 1. False Representation of Debt Status ( FCRA & FDCPA ) o The debt collector inaccurately reports the account as open on my credit report. However, this account was charged off by the original creditor and the last payment was made on XX/XX/XXXX. Charged-off accounts must be reported as closed under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

2. Incorrect Debt Amount ( FCRA & FDCPA ) o The balance reported ( {$8100.00} ) does not match the original creditors records or my payment history as reported to XXXX on XX/XX/XXXX. This violates the FCRAs requirement to report accurate information and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ), which prohibits false or misleading representations.

3. Fraudulent Collection Date ( FDCPA ) o The debt collector claims the account was placed for collection on XX/XX/XXXX, even though the last payment was made on XX/XX/XXXX. This misrepresentation artificially inflates the debts age, which could constitute re-aging under the FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ) ). In fact, this would allow credit bureaus to report these inaccuracies until XX/XX/XXXX which would make that to be 8yrs 4. Failure to Investigate Disputes ( FCRA ) o On [ XX/XX/XXXX ], I disputed these errors in writing to [ XXXX XXXX XXXX ] and the credit bureaus the same month. The debt collector failed to conduct a reasonable investigation or correct inaccuracies, violating FCRA 1681s-2 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX XXXX XXXX  ] [ XXXX ] XXXX : [ XXXX XXXX XXXX  XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MA

Complaint narrative:
On XXXX XXXX XXXX I received collections notice from IQ Data International in the significant amount of {$27000.00} for an alleged debt at XXXX at XXXX XXXX XXXX. 
The following day I called XXXX at XXXX XXXX to ask if I owed any monies. The rep at the leasing office advised I did not owe anything. 
I then called IQ Data International and asked for more information, to which I was told they had the same information as me and no additional information was provided. I proceeded to send a dispute letter and asked for additional information as I'm still unaware what the amount is for. 
I never received an update on what the collections amount was for and this month ( XXXX XXXX ) the collection is reflected on my credit report. 
I would like to note that I never received any notice either verbal or in written communication from XXXX at XXXX XXXX that any monies were owed. The first time I was made aware of any debt was when I received the collections notice on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX FIN SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX FIN SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX XXXX Balance-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am requesting the immediate removal of outdated Experian Boost data that is currently showing on the credit report pulled by my mortgage lender. 

The report includes XXXX, XXXX, and XXXX XXXX entries that were previously connected through Experian Boost but no longer reflect my current account status. My Experian Boost dashboard shows XXXX  active accounts or connected data sources. 

Despite this, these items are still appearing on my credit report and are now interfering with my mortgage approval process. I am currently in underwriting with a scheduled closing date of XXXX XXXX XXXX and this outdated information is causing a delay. 

I have tried calling countless times to no avail. I can not get a human being on the line, and time is of the essence. 

I respectfully request the full and permanent removal of all Boost-related entries from my Experian credit file, including but not limited to XXXX, XXXX, and XXXX XXXX XXXX Additionally, I request that no Boost-related items be added to my file in the future without my explicit consent. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that the CFPB investigate this issue promptly and ensure the appropriate corrections are made.I hope you can help and escalate this. Many thanks! 

Please confirm receipt of this letter and advise me of the outcome of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have aske the CRA 's for a validation of debt ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I was a victim of identity theft and I recently contacted the company about it and I need my name to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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