vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account ( XXXX XXXX ). to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have a {$390.00} debt from Southwest Credit Systems since XXXX XXXX XXXX and I have no idea what it's for. I would like to know who the original debtor is so I can dispute these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
Recently i looked a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Items i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
Recently i looked a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Items i am asking you to verify as accurate : 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 2025-01-11 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: MD

Complaint narrative:
I recently viewed my credit report and have seen multiple inaccuracies and unauthorized accounts. These inaccuracies and unauthorizations are impacting my life in an extremely detrimental way as well as my credit health.

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 2025-01-11 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: MD

Complaint narrative:
I recently viewed my credit report and have seen multiple inaccuracies and unauthorized accounts. These inaccuracies and unauthorizations are impacting my life in an extremely detrimental way as well as my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Dispute of Incorrect Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, there are errors in the personal identifying information section, such as my name, address, and phone number. I have outlined the inaccuracies below and provided the correct information for reference : Name : Incorrect : XXXX XXXX, XXXX XXXX '' Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed on the correct report Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Listed on the Credit Report Correct : XXXX ) XXXX I believe these errors have occurred due to [ briefly explain possible reasons if you know them, e.g., " a clerical error, '' " misattribution, '' or " identity theft '' ]. These inaccuracies are negatively impacting my credit profile and may cause further issues if not promptly corrected. 

Attached, I have included copies of the following documents to verify my identity and provide evidence of the correct information : A copy of my government-issued photo ID Attached A recent utility bill or bank statement showing my correct address XXXX XXXX Listed. 
I respectfully request that you investigate this matter and contact the relevant credit reporting agencies to update and correct the inaccurate information on my credit report. 

Please keep me informed of the progress of this dispute. You can reach me at the contact information provided above. I would appreciate a written confirmation once the inaccuracies are resolved. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need additional information or documentation. 

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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Dispute of Incorrect Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, there are errors in the personal identifying information section, such as my name, address, and phone number. I have outlined the inaccuracies below and provided the correct information for reference : Name : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the correct report Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect Listed on the Credit Report Correct : XXXX ) XXXX I believe these errors have occurred due to [ briefly explain possible reasons if you know them, e.g., " a clerical error, '' " misattribution, '' or " identity theft '' ]. These inaccuracies are negatively impacting my credit profile and may cause further issues if not promptly corrected. 

Attached, I have included copies of the following documents to verify my identity and provide evidence of the correct information : A copy of my government-issued photo ID Attached A recent utility bill or bank statement showing my correct address XXXX XXXX Listed. 
I respectfully request that you investigate this matter and contact the relevant credit reporting agencies to update and correct the inaccurate information on my credit report. 

Please keep me informed of the progress of this dispute. You can reach me at the contact information provided above. I would appreciate a written confirmation once the inaccuracies are resolved. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding Transunion XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Transunion is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints, which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Transunion in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. 
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 non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Theres banks on my consumer like XXXX  XXXX and XXXX Ive had 2 banks My entire life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has finalized a rule that prohibits the inclusion of medical bills on credit reports used by lenders and bars lenders from using medical information in their lending decisions.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/year>, a significant data breach occurred in which the credit reports of millions of Americans were improperly accessed and publicly released. This breach exposed highly sensitive personal and financial information, including Social Security numbers, credit scores, credit account details, and payment histories. The unauthorized disclosure has created a substantial risk of identity theft, financial fraud, and other forms of misuse. Affected individuals were not adequately notified in a timely manner, leaving them vulnerable and without sufficient guidance on how to protect their information. This breach demonstrates a severe failure to safeguard consumer data and comply with applicable privacy and security standards. Companys such as XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Credit Bureau for breach in my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
Fifth Request/Demand/Identity Theft Victim Experian Conducted Sham Investigations on My Experian file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ). 

I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX XXXX XXXX. The derogatory information reflected in my credit report maintained by Experian under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Experian multiple times that the entries below are erroneous and fraudulent. 
XXXX. Account : XXXX XXXX Account XXXX : XXXX Balance : {$1500.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX XXXX  Account Number : XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX Credit - Account Number : XXXX Balance : {$5700.00} : Opened : XX/XX/XXXX Experian routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Experian has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Experian has harmed, bullied, and harassed 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 2025-01-11 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: TX

Complaint narrative:
I reached out to XXXX, TransUnion, and XXXX regarding inaccurate negative reports on my credit report. I specifically requested XXXX to reinvestigate these claims, as I believe I was wrongfully accused. Despite my efforts and having the necessary paperwork to support my case, the issue was not reinvestigated. I want to resolve this matter amicably and without resorting to legal action, as I believe a fair review will clarify the inaccuracies on my report.

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 2025-01-11 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: TX

Complaint narrative:
I reached out to XXXX, XXXX, and Equifax regarding inaccurate negative reports on my credit report. I specifically requested XXXX to reinvestigate these claims, as I believe I was wrongfully accused. Despite my efforts and having the necessary paperwork to support my case, the issue was not reinvestigated. I want to resolve this matter amicably and without resorting to legal action, as I believe a fair review will clarify the inaccuracies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: OR

Complaint narrative:
On or about XX/XX/2024 I noticed some loans listed on my credit report that have been listed without my written consent. I have notified Transunion and they have denied taking these loans off of my report. According to 15 USC 1681, they should have removed these loans since they are inaccurate, disuputed by me, and have chosen to not respond in an appropriate manner. Additionally, Transunion states that I did not give them : Reason 1 : Your request is missing essential personal identifying information Reason 2 : Account specific information such as name of creditor, account numbers or other account details that would allow us to complete your request was not included Reason XXXX : The description of the identity theft was too vague and/or did not include specific information related to the identity theft, including the dates the fraud occurred. 

All of this was attached and included in my original complaint as they will also be attached AGAIN to this complain.

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 2025-01-11 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: NJ

Complaint narrative:
Dear Equifax, I am writing to dispute several errors on my credit report that require immediate attention and correction under the Fair Credit Reporting Act ( FCRA ). 
XXXX. XXXX XXXX XXXX XXXX Account This account is inaccurately listed as a repossession when it was actually a voluntary suspension. Additionally, there are discrepancies in last payment dates and payment status codes across the credit bureaus, which highlight errors in reporting. 
XXXX. XXXX XXXX Account This account, last active in XX/XX/year>, exceeds Georgias six-year statute of limitations and should no longer appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I am writing to demand the immediate deletion of the following accounts and inquiries from my credit report due to inaccuracies and Experian 's failure to conduct proper investigations, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against your organization ( Consumer Financial Protection Bureau XXXX Experian, XX/XX/XXXX ). 

Accounts to Be Deleted Immediately, Without Further Investigation : DPT EDXXXX - Account # : XXXX DPT ED/XXXX - Account # : XXXX DPT EDXXXX - Account # : XXXX XXXXXXXX XXXX XXXXXXXX - Account # : XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  - Account # : XXXX XXXX  XXXX - Account XXXX : XXXX Chapter XXXX Bankruptcy - Account # : XXXX Chapter XXXX Bankruptcy - Account # : XXXX Inquiries to Be Removed Immediately : XXXX XXXX  - Auto Financing - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX Auto Financing - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX - Auto Dealers, Used XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX  - Auto Financing XXXX XX/XX/XXXX - Experian Violations of My Rights Under the FCRA As detailed in the CFPB lawsuit, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by : Conducting sham investigations instead of proper reviews of consumer disputes.

Improperly reinserting inaccurate information without adequate procedures to prevent reoccurrence. 
These failures violate my rights under the FCRA, and I am therefore demanding the immediate removal of the aforementioned accounts and inquiries without further investigation. 

Legal Obligations Under the FCRA, Experian is obligated to ensure the accuracy of consumer reports and to address consumer disputes promptly and effectively. Any further delays or improper handling of this matter will result in escalated complaints to the CFPB and potential legal action.

Action Required Delete the specified accounts and inquiries immediately.

Confirm the deletions in writing within 30 days of receiving this letter, as required by law. 

If this issue is not resolved promptly, I will escalate my complaint to the CFPB and explore legal remedies to address Experian 's violations of my rights. 

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