vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
While looking deeper into my XXXX credit report 's closed accounts, I saw that XXXX, a company that previously ( in XXXX ) I disputed with the credit bureaus about an account they were reporting as negative, past due and closed because they could not validate the debt, is still reporting a negative account balance and past due total of {$110.00} to my credit reports as of XX/XX/XXXX. 

This company has not provided a copy of any original contract, I have no business with them, and they are not even have any payment history or other account history like other accounts on my credit report do, so I am unaware of what this account is pertaining to and do not believe it to be my debt.

Additionally, under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I received a copy of my credit report and found several items to be inaccurate or fraudulent. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) I have attached an FTC report. Please remove the those items from my report, immediately.

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 2025-03-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a copy of my credit report and found several items to be inaccurate or fraudulent. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) I have attached an FTC report. Please remove the those items from my report, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX/XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX/XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX/XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX or # XXXX-************** ON DATE XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello The FTC has alerted me on this day that it has been XXXX days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 


This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 


I am submitting this document for the expungement of the information disclosed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
Hello The FTC has alerted me on this day that it has been XXXX days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 


This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 


I am submitting this document for the expungement of the information disclosed

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 2025-03-11 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: Self Financial Inc.
State: MS

Complaint narrative:
According to fair reporting when they did charge off I was supposed to receive a 1099 so I can file and I didn't receive and I already filed taxes this is supposed to be removed and nobody is investigating not to mention the aggressive reporting of CO 2 months in a row also violation of fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, And I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account

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 2025-03-11 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: NY

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. Upon reviewing my report, I noticed that several previous addresses listed are incorrect and do not belong to me. This inaccurate information may negatively impact my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: WA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
Subject : Goodwill Request for Removal of Negative Reporting Dear POSSIBLE FINANCIAL INC. 

I hope you are doing well. I am writing to request a goodwill adjustment on my credit report regarding account, which reflects [ late payments/charge-off/collection ]. 

Due to hardship, job loss, medical issues, financial struggles, I was unable to meet my financial obligations at the time. However, since then, I have worked hard to rebuild my credit and maintain timely payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXXXXXX BALANCED {$1100.00} FST PREMIER XXXX BALANCED {$440.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Every time I try to log onto MyEquifax I get an error message that my password is wrong, but I can not reset my password and then it won't let me create an account. I believe they are trying to force people to pay them money.

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 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
I was in a car accident the early morning of XX/XX/year> and declined all medical care at the scene. I never went to a hospital. XXXX XXXX billed me thousands and couldn't provide medical records of any kind to prove I was in their care because I was never there. They then pressed for my health insurance card and billed my insurance. They kept pressing me for a copayment of {$500.00} and then sent me to collections to a company called XXXX XXXX XXXX XXXX XXXX XXXX is trying to collect {$950.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In reference to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST IMMEDIATELY be blocked and removed from my credit profile. Once a report of identity theft is made and i am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of the information are prohibited from reporting information that they XXXX XXXX have reason to believe is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EACH OF THE LISTED ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT OWED BY ME. Reporting FALSE INFORMATION is a direct violation of federal law and has unjustly damaged my creditworthiness. I DEMAND THAT YOU DELETE THE INACCURATE ACCOUNTS FROM MY CREDIT IMMEDIATELY AND CEASE ALL FUTURE REPORTING OF THIS ERRONEOUS INFORMATION TO ALL CREDIT BUREAUS. PLEASE PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS I have filed a FTC COMPLAINT as well and have attached below. FTC report # 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 2025-03-11 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:
In reference to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST IMMEDIATELY be blocked and removed from my credit profile. Once a report of identity theft is made and i am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of the information are prohibited from reporting information that they XXXX XXXX have reason to believe is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EACH OF THE LISTED ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT OWED BY ME. Reporting FALSE INFORMATION is a direct violation of federal law and has unjustly damaged my creditworthiness. I DEMAND THAT YOU DELETE THE INACCURATE ACCOUNTS FROM MY CREDIT IMMEDIATELY AND CEASE ALL FUTURE REPORTING OF THIS ERRONEOUS INFORMATION TO ALL CREDIT BUREAUS. PLEASE PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS I have filed a FTC COMPLAINT as well and have attached below. FTC report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 contacted this credit reporting agency back on XX/XX/2024, with the attached Notice. This notice was informing them that I have attempted to remove the attached items from my credit report after I had contacted the related companies to dispute these items and received NO response to my request to verify these debts. The credit reporting agency has provided no valid response and failed to honor the law and remove these items as required. In some cases, they responded with some vague and incomplete response that they had contacted the company and " verified '' something. However, I have received no such documentation of any verification and still have received no documentation from either of these companies verifying that I have an existing debt.

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