vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. since this is not my information and accounts has been reporting since XXXX as showed on the attached identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I am filing this second complaint against TransUnion due to their failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly update my credit report with accurate information. Instead of removing incorrect late payments as required, TransUnion has altered the dates of these late payments, keeping inaccurate derogatory marks on my report rather than fully correcting the errors. 

Key Issues in This Dispute : 1. I was never late on any payments in 2023 or currently.

2. XXXX has already investigated and updated their records to accurately reflect that I was NOT late. 
3. TransUnions response contradicts XXXX verified findings, which raises serious concerns about their compliance with federal credit reporting laws. 
4. Rather than removing the inaccurate late payments, TransUnion merely changed the dates, which is not a legitimate resolution and is a violation of my rights under the FCRA ( 15 U.S.C. 1681i ).

Legal Violations & Consequences : Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in consumer reports. Their continued failure to correct this inaccuracy after multiple disputes demonstrates negligence or willful non-compliance.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information can not be verified as accurate, it must be deletednot manipulated to remain on my report.

Under 15 U.S.C. 1681n & 1681o, TransUnion may be held liable for willful or negligent non-compliance with the FCRA, including damages, attorneys fees, and other relief.

Failure to correct this matter may result in legal escalation, including potential litigation for FCRA violations.

Requested Actions : 1. All inaccurate late payments must be completely removed from my TransUnion credit report.

2. My payment history must accurately reflect my on-time payments, in line with Equifaxs corrected findings.

3. TransUnion must provide a written explanation justifying why their findings contradict XXXX verified update. 

TransUnion has 30 days to comply with my dispute, as mandated by the FCRA. If this issue is not resolved, I will explore additional legal action and escalate my complaint to the FTC and state attorney general for further investigation into TransUnions reporting practices.

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 2025-02-08 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: NC

Complaint narrative:
I am filing this second complaint against TransUnion due to their failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly update my credit report with accurate information. Instead of removing incorrect late payments as required, TransUnion has altered the dates of these late payments, keeping inaccurate derogatory marks on my report rather than fully correcting the errors. 

Key Issues in This Dispute : 1. I was never late on any payments in 2023 or currently.

2. XXXX has already investigated and updated their records to accurately reflect that I was NOT late. 
3. TransUnions response contradicts XXXX verified findings, which raises serious concerns about their compliance with federal credit reporting laws. 
4. Rather than removing the inaccurate late payments, TransUnion merely changed the dates, which is not a legitimate resolution and is a violation of my rights under the FCRA ( 15 U.S.C. 1681i ).

Legal Violations & Consequences : Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in consumer reports. Their continued failure to correct this inaccuracy after multiple disputes demonstrates negligence or willful non-compliance.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information can not be verified as accurate, it must be deletednot manipulated to remain on my report.

Under 15 U.S.C. 1681n & 1681o, TransUnion may be held liable for willful or negligent non-compliance with the FCRA, including damages, attorneys fees, and other relief.

Failure to correct this matter may result in legal escalation, including potential litigation for FCRA violations.

Requested Actions : 1. All inaccurate late payments must be completely removed from my TransUnion credit report.

2. My payment history must accurately reflect my on-time payments, in line with Equifaxs corrected findings.

3. TransUnion must provide a written explanation justifying why their findings contradict XXXX verified update. 

TransUnion has 30 days to comply with my dispute, as mandated by the FCRA. If this issue is not resolved, I will explore additional legal action and escalate my complaint to the FTC and state attorney general for further investigation into TransUnions reporting practices.

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 2025-02-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 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 2025-02-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Valor Intelligence Processing for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits debt collectors from contacting consumers at times or places known to be inconvenient. 

On XX/XX/year>, I explicitly instructed representative XXXX of Valor Intelligence Processing via phone call to communicate with me only on Mondays between XXXX AM and XXXX XXXX XXXXXXXX. Despite this notice, XXXX, a representative of Valor Intelligence Processing, contacted me on Friday, XX/XX/year>, at XXXX PM regarding a debt collection matter. This call occurred outside the permitted window and disregarded my prior instructions. The unsolicited contact caused unnecessary stress and disruption to my daily obligations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: UT

Complaint narrative:
I felt a XXXX in XXXX and it was included in the XXXX I have evidence that it was and in XX/XX/XXXX it was taking out of bankruptcy and they started garnishing my check. I notice on the credit report the date was changed from when it was I had the loan he said I had it in XXXX when in reality it started in XXXX of XXXX. I'm showing experience all of this and they still said because the company said I was wrong then nothing changed on my report. They're not accepting my evidence that's 100 %, when it's off their website. They've been doing this to me a lot of times in the past and either they say we can't tell you what the internet and you got to call or they said they're going to send me a letter in the mail I never receive anything being ever call. I think they're misusing the rights right now and I don't like this cuz my credit has shut down and I've been put in a bad spot now where I can't even get a new car because my credit score.

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 2025-02-08 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: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I felt a XXXX  in XXXX and it was included in the XXXX  I have evidence that it was and in XX/XX/XXXX it was taking out of bankruptcy and they started garnishing my check. I notice on the credit report the date was changed from when it was I had the loan he said I had it in XXXX when in reality it started in XXXX of XXXX. I'm showing experience all of this and they still said because the company said I was wrong then nothing changed on my report. They're not accepting my evidence that's 100 %, when it's off their website. They've been doing this to me a lot of times in the past and either they say we can't tell you what the internet and you got to call or they said they're going to send me a letter in the mail I never receive anything being ever call. I think they're misusing the rights right now and I don't like this cuz my credit has shut down and I've been put in a bad spot now where I can't even get a new car because my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MN

Complaint narrative:
equifax 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 Equifax, 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 equifax 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 equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that a credit inquiry was made by the following listed below. However, I did not authorize these inquiries. Therefore, I am writing to dispute these inquiries and request that they be removed from my credit report. 

XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that a credit inquiry was made by the following listed below. However, I did not authorize these inquiries. Therefore, I am writing to dispute these inquiries and request that they be removed from my credit report. 

XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
XXXX and XXXX XXXX. attempted to serve me. I requested the debt be validated. Never got any response from this group. My request was sent XXXX times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The was sent to all three Credit bureau, Trans Union, XXXX, and XXXX See attached Complaint to FTC XXXX : Dispute of Fraudulent Accounts Due to XXXX Data Breach** Dear Sir/Madam, I am writing to formally dispute certain accounts that have appeared on my credit report, as I was directly affected by the XXXX data breach. It is my belief that the following accounts were opened fraudulently using my personal information without my authorization. As a result of this breach, I request that these accounts be thoroughly investigated and immediately deleted from my credit report. Below is a list of the fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that you investigate these accounts, as I did not authorize or open them. Additionally, as part of your investigation, I request that all fraudulent accounts be permanently removed from my credit file. Please inform me of any additional documentation or information needed from my end to support this dispute. I also request that you provide written confirmation once this dispute has been resolved. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if any further information is required. Sincerely, [ Your Name ] -- - Ensure you send this letter to the appropriate address for each credit bureau and keep a copy for your records. You may also want to include a copy of your ID, proof of address, and any other required documentation to support your claim.

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 2025-02-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX PROGRESS - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX, XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-08 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-08 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:
This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea how it got there. When I checked my report, I saw discrepancies that shouldnt exist. I even refreshed my browser, hoping it was an error, but nothing changed. I am extremely upset about this situation and demand an immediate resolution. Please verify the documents Ive submitted so I no longer have to stress over this issue.

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 2025-02-08 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: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE ELSE STOLE MY IDENTITY TO APPLY FOR CREDIT CARDS AND LOANS

Company response to consumer: Closed with non-monetary relief