vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX is listed as the original creditor .none of the information seems to line up and appear to be accurate. So now, I'm assuming this company is trying to break the law by providing invalid information on my consumer report. My dispute was marked as frivolous with no real investigation... 

I'm requesting the following information... 

According to the law, this information is either incorrect, not up to date nor reporting fair on my credit report. Please provide the following : I would like see to my signature on the original documents from XXXX XXXX, that says I'm indeed liable for this debt. 

I would like to see a copy of the original purchase agreement that shows you are legally allowed to collect this debt on behalf of XXXX XXXX. 

I would like to see a copy of all transactions/statements from open to close of this account. 

Further more, I'd like to see proof you are a legal debt collector in the state of Arizona. A copy of your bond that indicates you are indeed licensed to operate in the state of Arizona would be greatly appreciated. 


In summary, according to U.S. Code 15 U.S.C. 1681s-2 you are obligated to provide only information that is deemed to be true without errors and verified to be correct. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today I received several emails saying that my credit score has decreased significantly, then an email from experien came in saying that my claim has updates. 
Claim that supposed to be resolved alread. 
Back in XXXX I received an email from XXXX XXXX, saying that my loan for $ XXXX has been approoved, I inmediately called them to say that the I havent aksed for a loan, and they took my statement and told me that a fraud department specialist will contact me, which never happened, I followed up calling them several times, never got an aswer, I found the Identity theft page on internet and oppened a case inmediateley, followed each step as of my case according to the web, send the letters to the burrous and to XXXX XXXX, the burrous responded saying that they will open an investigation and after about a mointh thet responded that the investigation has been concluded and that they will remove that from my credit report. Still never got an answer from XXXX XXXX, I sent several letters ti them following the steps suggested by the identity theft website, in those letters I ask them to get back to me and show me the docucments, but they never did. and Know when I am finally recovering from the stress that this caused on me, I receive this email. I am drained and tired of how this credit buraus act causing damage to inocent people, I have plans to buy my first property soon, and with a negative remark on my credit this is not going to be possible, Please assist. Help me put an end to this situation that is really stressing and exhausting. I have all the documents and dates for support.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today I received several emails saying that my credit score has decreased significantly, then an email from experien came in saying that my claim has updates. 
Claim that supposed to be resolved alread. 
Back in XXXX I received an email from XXXX XXXX, saying that my loan for $ XXXX has been approoved, I inmediately called them to say that the I havent aksed for a loan, and they took my statement and told me that a fraud department specialist will contact me, which never happened, I followed up calling them several times, never got an aswer, I found the Identity theft page on internet and oppened a case inmediateley, followed each step as of my case according to the web, send the letters to the burrous and to XXXX XXXX, the burrous responded saying that they will open an investigation and after about a mointh thet responded that the investigation has been concluded and that they will remove that from my credit report. Still never got an answer from XXXX XXXX, I sent several letters XXXX them following the steps suggested by the identity theft website, in those letters I ask them to get back to me and show me the docucments, but they never did. and Know when I am finally recovering from the stress that this caused on me, I receive this email. I am drained and tired of how this credit buraus act causing damage to inocent people, I have plans to buy my first property soon, and with a negative remark on my credit this is not going to be possible, Please assist. Help me put an end to this situation that is really stressing and exhausting. I have all the documents and dates for support.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My car went into collections during covid. I didnt settle with them i paid car off directly with them yet it still shows as charge off paid. I need this removed and have requested it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
My car went into collections during covid. I didnt settle with them i paid car off directly with them yet it still shows as charge off paid. I need this removed and have requested it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My car went into collections during covid. I didnt settle with them i paid car off directly with them yet it still shows as charge off paid. I need this removed and have requested it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My credit report is showing that I have Student Loans from US Dept of EDXXXX account number XXXX on XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency XXXX XXXX, and XXXX 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. I have These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a collection letter, from Discover which threatened me if I did not make a payment on an alleged debt by XX/XX/XXXX, they would refer this alleged debt to an attorney to bring a lawsui against me. Ive already filed a similar complaint against Discover and sent a cease and desist letter, dated XX/XX/XXXX and mail certified mail with signature delivery confirmation required on XX/XX/XXXX that included additional documents. In this cease and desist letter which included information as to my income is Federally Exempt, Social Security/ XXXX Pension but also included written notification of my consumer rights under the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ). This additional information informs Discover of the violation a violation of my rights would result in a formal complaint with the Federal Trade Commission. I would also file additional complaints with the FDCPA and the XXXX. This certified letter, ( see attached with mailing proof of such ) is currently tracking as of XX/XX/XXXX aa in transit to next destination, ( see attached tacking info ) # XXXX. A call to XXXX as to its delivery being delayed as seen in tracking was made on XX/XX/XXXX an an investigation as to its direct location is underway and may have already been delivered but not updated in XXXX system. 

Im asking for the department of consumer affairs to assist in enforcing my rights as a consumer to Discover to cease and desist any further attempts to contact me after receiving not only this complaint but the cease and desist letter Ive sent certified mail, delivery confirmation as per the law under the Federal Fair Debt Collection Act so stated above and not violate my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit 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 2025-03-27 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: WA

Complaint narrative:
Equifax Credit Reporting Agency continues to include " bankruptcy discharged '' in the remark section of my credit report. My XXXX XXXX XXXX XXXX  has never been in a bankruptcy and XXXX XXXX XXXX XXXX, which issued me the card has sent me written notice that it is not in a bankruptcy and never has been. The letter from XXXX XXXX stated that they have reached out to Equifax and asked them to take off the " bankruptcy in discharge '' remark because it is inaccurate and their request was rejected by Equifax. I have attached the letter from XXXX XXXX to myself. XXXX XXXX told me that Equifax maybe violating the Fair Credit Reporting Act for posting false information that has damaged my credit score and I may want to seek legal counsel. I reached out to the WA State Attorney General 's office and filed a complaint and Equifax responded that they will not remove the " Bankruptcy in Discharge '' remark on my Credit Report. As the attached shows Equifax reached out to the creditor XXXX XXXX and was told the status was correct. XXXX XXXX customer affairs supervisor told me this is incorrect information and they would never report that false information, which is against the Fair Credit Reporting Act. I also have disputed this incorrect information with Equifax and each time it came back as verified and correct. XXXXXXXX XXXX XXXX XXXX Services continues to tell me that my account is not in a bankruptcy and has never been in a bankruptcy and there is nothing else they can do. I was told Equifax is the problem and they are refusing to remove these remarks. No other credit reporting agencies including XXXX or XXXX are reporting " Bankruptcy Discharged '' in my remarks of my XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681c-2 credit bureaus are required to block fradulent information from appearing on my credit report once a identity theft report is presented. I expect an immediate resolution to this matter My personal information was leaked in the recent XXXX breach and every since then weird things have been suddenly appearing on my credit damaging my score. Please remove the following accounts. 

Harris & Harris acct # XXXX balance {$51.00} XXXX XXXX XXXX acct # XXXX. balance {$200.00} XXXX XXXX acct # XXXX balance {$1600.00} XXXX XXXX XXXX acct # XXXX balance {$15000.00} XXXX XXXX XXXX  acct # XXXX. balance {$13000.00} XXXXXXXX XXXX acct # XXXX. balance {$1000.00} XXXX XXXX acct # XXXX. balance {$1500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have repeatedly tried to access my credit report from TransUnion online. I am unable to access it. I called them multiple times in XXXX of XXXX. I have been unable to access my credit report from them for XXXX months and its impeding my ability to get critical student loans for XXXX XXXX 

This company is garbage and flouting the governments requirement for access to credit reports. Im not the only one either! 

XXXX XXXX XXXX TransUnion is 100 % doing this intentionally because they dont want consumers to access their reports. Seriously, tell whatever executive is responsible for this that they are a terrible human being. XXXX and XXXX work great! I cant even access TransUnion through annual credit reports. Your company sucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-27 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: TN

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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding debts originally with : XXXX XXXX Account Which has now been sold or transferred to a third-party collection agency. I believe that the reporting of this debt is in violation of 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ) concerning the privacy and transfer of my nonpublic personal financial information.

Specifically, I am concerned that my personal data may have been transferred to a third-party debt collector without proper safeguards or consent, violating the privacy protections outlined in 15 U.S. Code 6802.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief