vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXXXXXX XXXX XXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXXXXXX XXXX XXXX XXXX XXXXharged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to XXXX XXXX XXXXXXXX XXXX  for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called experianXXXX XXXX XXXX XXXX XXXX XXXX. They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all 3 of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.

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 2025-02-24 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:
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 | 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 2025-02-24 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 re-investigation of disputed information on my credit report, leaving inaccurate or unverified 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 Experians 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 2025-02-24 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: 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to delete the following accounts as soon as possible because they are unauthorized accounts. 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 2025-02-24 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 sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}

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 2025-02-24 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: PA

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-24 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: GA

Complaint narrative:
This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 

I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair CreditReporting Act and will not be tolerated. In case you would like to settle this matter between youand I, rather than me filing suit against your company, I will once again list the inquiries inquestion so that you may do as you are governed by the FCRA. 

You are violating the law and my FCRA rights under15 U.S. Code 1681b. There's no connection between these inquiries and active accounts on my profile. 

Please investigate the following : XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

I have tried to contact these companies on my own, but I have not been able to get very far. Itried to contact them using the phone numbers that are provided on my credit report. Half of thenumbers are not even correct. The companies that I was able to get in touch with do not evenhave any record of me. How can they have a permissible business purpose to pull my credit, ifthey have N0 record of 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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-24 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid {$410.00} XX/XX/year> and I was never late on my payment. This company continues to update false information to the credit bureau that is hurting my credit and life. The company claims the information is up to date as of XX/XX/year> and I am late but I have made every payment on time

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 2025-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like to delete the following accounts as soon as possible because they are unauthorized accounts. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MO

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Account Information Under FCRA Section 623 Dear TransUnion, Equifax, and Experian, I am writing to formally dispute the reporting of the account listed below, which appears on my credit report. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX According to Section 623 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of information have a responsibility to provide accurate and complete information to credit reporting agencies. This account violates the FCRA because I never received a XXXX Cancellation of Debt form from XXXX XXXX XXXX XXXX XXXX XXXX 

The failure to provide this documentation before reporting a canceled debt is not only inaccurate but also unlawful under the FCRA. As a result, I am formally requesting the immediate removal of this account from my credit report. 

Please provide written confirmation that this account has been removed from my credit report. If you fail to address this dispute promptly, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MO

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Account Information Under FCRA Section 623 Dear TransUnion, Equifax, and Experian, I am writing to formally dispute the reporting of the account listed below, which appears on my credit report. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX According to Section 623 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of information have a responsibility to provide accurate and complete information to credit reporting agencies. This account violates the FCRA because I never received a XXXX Cancellation of Debt form from XXXX XXXX XXXX XXXX XXXX XXXX 

The failure to provide this documentation before reporting a canceled debt is not only inaccurate but also unlawful under the FCRA. As a result, I am formally requesting the immediate removal of this account from my credit report. 

Please provide written confirmation that this account has been removed from my credit report. If you fail to address this dispute promptly, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this 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 2025-02-24 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: CO

Complaint narrative:
To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXXXXXX XXXX XXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXX XXXX XXXX XXXX Charged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to XXXX XXXX XXXXXXXX XXXX for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called XXXX XXXX XXXX XXXX XXXX XXXX  They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all 3 of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuan

t to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 15 U.S. Code 1692c Communication in connection with debt collection. 15 U.S. Code 1692g Validation of debts. 15 U.S. Code 1681e ( b ) Requirements relating to information available to consumer reporting agencies.

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 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
I took out a loan with world finance, they forced me to take out personal property insurance even though the insurance is optional. I was lied to straight to my face by the branch manager. They are practicing false advertising and lying to customers.

Company response to consumer: Closed with explanation