vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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'm a victim of Identity theft. I have fraudulent accounts on my credit report : XXXX CARD SERVICES XXXX, XXXX XXXX XXXX ( balance {$4400.00} ), XXXX BANK XXXX, XXXX XXXX - XXXX BANK XXXX, XXXX XXXX XXXX ( balance {$830.00} ), XXXX XXXX CARD SER XXXX, XXXX CARD SER XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( balance {$3000.00} ), XXXX XXXX XXXX XXXXXXXX ( balance {$9600.00} ), XXXX XXXX XXXX ( balance {$9700.00} ). 

Please see my Identity Theft report and documents in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Upon reviewing my consumer report from Equifax I realized that I have an account that is missing off of my consumer report the account is XXXX XXXXXXXX Bank with a credit limit of {$1000.00} which is not reporting to my account I'm providing details from the account that should be reporting on my consumer file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-13 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: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MCT GROUP INC.
State: CA

Complaint narrative:
I believe the account is invalid. MCT GROUP INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


MCT GROUP INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company 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 2025-01-13 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:
I am writing to dispute the inaccurate reporting of the XXXX XXXX Bank SS account on my TransUnion credit report, which was last reported on XX/XX/year>2022. This account has already been investigated, but the information remains inconsistent with both XXXX XXXX compliance standards and my rights under the Fair Credit Reporting Act ( FCRA ). 

Basis for Dispute : XXXX. Inaccurate Payment and Closure Dates : XXXX confirms this account as " Paid, Closed '' in XX/XX/year>. However, TransUnion lists the account with a last payment on XX/XX/scrub>, 2022, and still reports it as " Closed '' but retains conflicting historical data. 
This inconsistency violates FCRA 623 ( a ) ( 1 ), which requires furnisher to report accurate information.

Prior Investigation Results : This account was previously disputed, but TransUnion failed to correct or delete the information despite the apparent inaccuracies. As per FCRA 611 ( a ), I have the right to a reinvestigation when the initial outcome does not resolve the issue. 
XXXX XXXX Compliance Violations : Reporting the account with conflicting data regarding payment history and closure violates XXXX XXXX guidelines, which require uniform and accurate reporting across all bureaus.

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 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
They said it was charge off as profit loss but it still showed that I have a balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

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

Company 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 2025-01-13 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: IL

Complaint narrative:
There are XXXX unauthorized hate inquiries on my Transunion credit report dating from XX/XX/XXXX through XX/XX/XXXX. I have called the creditor and Transunion to have these inquiries deleted as they were not authorized by me and they have not been removed. This is negatively affecting my XXXX XXXX and is in total violation of my rights under the Fair Credit Reporting Act.

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 2025-01-13 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: TX

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: WV

Complaint narrative:
I am writing to formally dispute the closed XXXX account reported on my credit file, which was recently provided to me by your bureau. This account is not mine, and I assert that it is being erroneously reported under my name. I request its immediate removal from my credit report, as it is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and relevant sections of U.S. Code.I tried to resolve this issue 2 times kickoff is reporting inaccurate information on my credit file as it is harming my future goals I have sent my ftc report and constantly contacted them to let them know this account doesnt belong too me .I am requesting that you investigate this matter as required under 15 U.S.C. 1681i, which mandates that a consumer reporting agency conduct a reasonable investigation when a dispute is raised. I also was never sent a XXXX bc for this account for it to be reporting on my behalf as a late payment Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute information on my credit report that is inaccurate, incomplete, or misleading. The XXXX account listed above is not an account that I opened, authorized, or maintain. I have not entered into any agreement with XXXX, nor have I had any business relationship with this company. This account does not belong to me and should not appear on my credit report.Pursuant to 15 U.S.C. 1681e ( b ) of the FCRA, consumer reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of the information reported. .The inclusion of this incorrect account is a direct violation of the FCRA XXXX as it is both misleading and inaccurate. Furthermore, under 15 U.S.C. 1681c, accounts that do not belong to me should not appear on my credit file, and I request that you take immediate action to remove this incorrect information.Please be advised that under 15 U.S.C. 1681i, if you fail to remove this inaccurate account after conducting your investigation, you may be in violation of the FCRA, which could lead to further legal action on my part. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore The FCRA provides me with the right to seek damages for any willful non-compliance with the investigation requirements.As part of my dispute rights under the FCRA, I request that you provide me with written confirmation of the results of your investigation. Should this account be removed, I expect an updated copy of my credit report reflecting these changes. 
Please take prompt action and notify me of the outcome of your investigation within 30 days, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
I am filing this statement to report multiple fraudulent accounts and inquiries appearing on my TRANSUNION consumer credit report which I have not opened or authorized. 

Specifically, I have discovered that an auto loan or lease was fraudulently opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$2500.00}, and another auto loan or lease was opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$23000.00}. Additionally, there is a fraudulent personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$350.00}, and another personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$2400.00}. I have also identified fraudulent inquiries and accounts on my credit report associated with CAPITAL XXXX, BANK XXXX XXXX, XXXX BANK XXXX, and XXXX XXXX, none of which I authorized. All of these accounts and inquiries are the result of identity theft and fraud, and I am requesting that these fraudulent items be removed from my consumer credit report and that any related collection activity cease immediately in accordance with my rights under relevant consumer protection laws. 

These fraudulent items reported by TRANSUNION have resulted in unwarranted negative information appearing on my consumer credit reports, including possible collections and hard inquiries. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all related collection activity cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-01-13 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 2025-01-13 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:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX, account # : XXXX has violated my rights. 

I was looking at my Experian Credit report on XX/XX/year> and noticed several inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-13 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: GA

Complaint narrative:
After reinvestigation of a XXXX account on my consumer file. This item is still reporting negatively on my consumer report and I demand it to be deleted due to the fact that after the investigation the comments still says paid for less than the amounts even though I paid the balance in full and they closed the account when I contact the the reporting agencies it states that I have a derogatory item on my consumer report which is the XXXX account which states paid in less than full due to the inaccuracy after the reinvestigation by consumer law I demand that this item be removed from my consumer report

Company response to consumer: Closed with explanation