vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because theres an account on my credit report thats incorrect and needs to be removed immediately. This account is currently in pending litigation, and Ive already taken steps to address the situation.

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 2025-03-09 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Had an issue where credits were were not posting to me account. Chatted with customer service for over XXXX days just trying to get them to fix the situation they refused. Was told XXXX XXXX at a approxmentally XXXXXXXX XXXX  eastern standard time someone from corporate would reach out with in XXXX hrs so I should here back from the by around XXXX on XXXX. Well the XXXX call was missed I chatted and was told by XXXX. That call was missed the. I was told by XXXX. That call was missed I was the. Told by XXXX XXXX  Thats XXXX missed calls and show zero respect for my time. Also lack of professionalism from corporate office which explains why all reps I dealt with refused customer service. Now they claimed to have the wrong number well how did the prank call me on XXXX if they had the wrong number. Screen shot of prank call provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MO

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the filler credit reporting act FCRA to conduct reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved the consumer financial protection bureau CFPB has recently filed a lawsuit against Equifax and XXXX alleging systemic issues, such as filling to forward consumer Provided evidence to furniture, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes these failures align with my experience experience, and Equifax has neither corrected or removed disputed items. Despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting an immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax in action, violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I do not owe this debt. I am a victim of Identity Theft as a result of XXXX XXXX XXXX. Please remove this debt from my Credit Report with all 3 Credit Bureau Agencies, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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: NC

Complaint narrative:
My report still reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my XXXX credit scores. Documentation from XXXX and Equifax confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX  : {$3100.00} : Fraud Open : XX/XX/XXXX XXXX XXXX : {$4000.00} : Fraud Open Date : XX/XX/XXXX XXXXXXXX XXXX  : {$5800.00} : Fraud Open : XX/XX/XXXX XXXX XXXX XXXX : {$5300.00} : Fraud Open Date : XX/XX/XXXX XXXX XXXX  : {$55.00} : Fraud Open Date : XX/XX/XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Sent a certified letter to LVNV Funding LLC letting them know that there was inaccurate information on my credit report and asked that they remove the account. They are saying that this account was a collection or charge off and it was open with a balance amount of {$22000.00} on my XXXX, while XXXX has the account as a collection or charge off and has a account status as closed with a balance of {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
NCB is a collection agency that bought the debit from XXXX XXXX which was the creditor reported as Unpaid balance reported as a loss by credit grantor. back in XX/XX/year> to XXXX. Since then, I sent certified letters letting them that they are reporting inaccurate information to XXXX and XXXX and that I do not own the debit that they are saying I have with their company and that they need to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Credit Bureau I am writing to formally dispute certain credit inquiries that have been recorded on my credit report, which I believe are either inaccurate or unauthorized. The inquiries listed are as follows : XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX 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 These inquiries were not authorized by me, nor do I recall ever granting permission for these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and have removed any unauthorized or erroneous inquiries from my credit report. 

As this is an urgent matter, I kindly request that you investigate these inquiries immediately and remove any that are not valid. The presence of these inquiries is adversely affecting my credit score, and I need them deleted as quickly as possible. 

Please provide written confirmation that these inquiries have been removed from my credit report. 

If any further information is needed from my end, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MN

Complaint narrative:
On XX/XX/year>, XXXX of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to XXXX XXXXXXXX XXXX, XXXX under account number _________________. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. 

Your continuous calls and such conduct have caused me to suffeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. 

I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within XXXX days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 

Sincerely, ____________________________________ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-09 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/2019. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-09 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-03-09 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/2019. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against TransUnion regarding its failure to resolve a long-standing dispute related to identity theft, inaccurate credit information reporting, and inadequate customer service, which has negatively impacted my financial standing and professional obligations. 

On XX/XX/XXXX, I submitted disputes to TransUnion regarding identity theft. However, on XX/XX/XXXX, I noticed an unexplained drop in my credit score. After reviewing my credit report on XXXX website, XXXX, and XXXX XXXX, I found no reason for the decrease. To get clarification, I purchased XXXX credit monitoring service, but no alerts or explanations were provided. 

I then contacted TransUnion by phone to inquire about the credit score decrease. The representative I spoke with could not explain and repeatedly attributed it to my ongoing disputes, which I knew to be incorrect. When I escalated the matter to another agent, they claimed the decrease was due to a late payment on my XXXX XXXX account, stating that no payments had been made since XXXX. However, my TransUnion credit report reflects that my last payment was made in XX/XX/XXXX, and my account is current. 

Additionally, despite purchasing their credit monitoring service, I can not access my alerts or credit score, while TransUnion representatives claim they see different information on their end. When I requested to speak with a supervisor, I was initially told to call back. Upon doing so, I was connected with a supervisor who placed me on hold and abruptly disconnected the call without resolution.

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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I signed up for Chase Credit Card XXXX with promotion spend $ XXXX for XXXX points. It also had additional offer of spend $ XXXX for another ADDITIONAL XXXX points. This was confirmed by agent over the phone. when I got the card. It has been XXXX year and I am still struggling. XXXX I opened XXXX tickets in XXXX and XX/XX/year> and both time they confirm they have the offer and see it on file and will open the case. But then Chase concludes send us the official advertisement announcement showing this? Really? Chase records all the calls and they are free to listen to numerous calls I have made. I have XXXX chase XXXX  XXXX  XXXX  and for both I am facing the same issue. 

Please assist. 

I have XXXX accounts and both have the same issue See attached offer letter evidence XXXX : XXXX XXXX numbers : XXXX and XXXX Note cards number XXXX have changed if replaced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: Kovo
State: GA

Complaint narrative:
i noticed an already closed negative account of kovo and XXXX  XXXX XXXX on my account and i am very unaware of these XXXX accounts. I believe this is someone trying to use my information and i will be very pleased to see all of these incorrect information on my credit taken care of with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Information was in data breach and it is on my report as negative item and miss payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unresolved inaccuracies on my credit report with Experian. Despite my previous disputes, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 



The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed inaccurate information from my credit report despite my formal disputes. 



I kindly request that the CFPB investigate this matter and take appropriate action to ensure Experian complies with its legal obligations. Please let me know if you need any additional information or documentation to support my claim. 



Thank you for your attention to this matter. I look forward to a prompt resolution.

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