vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting an investigation into certain accounts and inquiries that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant.

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy.

15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization.

15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ).

15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate.

Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

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 2025-02-22 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
I am writing to address a critical issue on my credit report. There is an account listed that is currently in pending litigation, and it is being reported inaccurately. As this matter is still under legal review, the account should not be reflected on 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 explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I paid a settlement to XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00} in XXXX of 2021. They took this payment and i can prove the transaction. Yet the passed on my debt to another firm and i have a negative mark on my credit. This should have been cleared but they took my money and didn't clear the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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 4 business days after the date of receipt by such agency.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I noticed discrepancies regarding incorrect names listed, specifically : -- -- -- -- -- -- -- -- -- -- Experian -- -- -- -- -- -- -- Name : XXXX XXXX. 
-- -- -- -- -- -- -- -- Equifax -- -- -- -- -- - Name : XXXX XXXX XXXX -- -- -- -- -- - These negative entries are affecting my credit score and my ability to manage my finances appropriately. I believe these errors are a result of the Equifax Data Breach that occurred in 2005. As you may know, this breach exposed sensitive information, and it is likely that these incorrect names were linked to my account during this incident. 

Impact : The inaccurate information is unfairly harming my credit report and impacting my financial standing. I have not used these names, nor have they been associated with me in any way outside of this breach. The negative consequences on my credit report are significant, causing undue stress and preventing me from pursuing important financial opportunities.

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 2025-02-22 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: WA

Complaint narrative:
I am writing to formally dispute fraudulent accounts on my credit report and request that they be blocked pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

Upon reviewing my credit report, I have identified American Express These accounts were opened without my knowledge or consent and are the result of identity theft. 

I have attached a copy of my identity theft report and Drivers license Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked from my credit report as required by 15 U.S.C. 1681c-2. Please complete this request within the required timeframe of four business days, and confirm in writing once the information has been removed. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 writing to formally dispute fraudulent accounts on my credit report and request that they be blocked pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

Upon reviewing my credit report, I have identified American Express These accounts were opened without my knowledge or consent and are the result of identity theft. 

I have attached a copy of my identity theft report and Drivers license Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked from my credit report as required by 15 U.S.C. 1681c-2. Please complete this request within the required timeframe of four business days, and confirm in writing once the information has been removed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
XX/XX/XXXX through XX/XX/XXXX Wrong information security freeze identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Velocity Portfolio Group
State: MI

Complaint narrative:
It was paid XX/XX/XXXX and ck said they dont even have payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I never lived at address that the company had on file nor did I have the phone number. I had no knowledge of this account. I have disputed this collection numerous times, they have failed to provide me any information. This is not my account/ 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
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
This is a XXXX  party collection agency. I do not know who the original Debtor is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
NAME ; XXXX XXXX XXXX ADDRESS ; XXXX XXXX XXXX XXXX ( XXXX  ) XXXX BUREAU CREDIT NAME ; EQUIFAX INFORMATION SERVICES LLC ADDRESS ; XXXX XXXX XXXX XXXX, XXXX  XXXX TO ; EQUIFAX INFORMATION SERVICES LLC I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ( XXXX - XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries 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 INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-02-22 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: CA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-02-22 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: OR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Specifically, my credit file includes names that do not belong to me. These errors may be impacting my credit profile, and I request immediate action to correct them. 

I have contacted the credit reporting agency/agencies regarding this matter, but the issue remains unresolved. I am requesting that they remove any incorrect names and ensure that only my legal name is associated with my credit file. My only name is XXXX XXXX XXXX and NOT the others listed on my account. Those are NOT my name. 

Attached are copies of my identification and any supporting documents to verify my correct name. Please investigate this matter and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance. I look forward to your prompt response.

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 2025-02-22 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: NJ

Complaint narrative:
I am writing to address a critical issue on my credit report. There is an account listed that is currently in pending litigation, and it is being reported inaccurately. As this matter is still under legal review, the account should not be reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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 am writing to bring your attention to a fraudulent inquiry on my credit report that I have no knowledge of. This inquiry is unauthorized, and I did not give permission for it to be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
I am writing to address a critical issue on my credit report. There is an account listed that is currently in pending litigation, and it is being reported inaccurately. As this matter is still under legal review, the account should not be reflected on 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 2025-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I made a settlement to professional Debt Mediation in the amount of {$1900.00} for account XXXX on XX/XX/year>. However till this day XX/XX/year> the debt is still reflecting on my credit report impacting me negatively. I have provided the Satisfaction letter and want the debt removed from the Bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 writing to formally dispute fraudulent accounts on my credit report and request that they be blocked pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

Upon reviewing my credit report, I have identified American Express These accounts were opened without my knowledge or consent and are the result of identity theft. 

I have attached a copy of my identity theft report and Drivers license Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked from my credit report as required by 15 U.S.C. 1681c-2. Please complete this request within the required timeframe of four business days, and confirm in writing once the information has been removed. 

Thank you for your prompt 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 non-monetary relief