vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I recently was informed that I have various accounts on my credit report that I did not open myself or authorize. I also ended up filing a police report of having my ssn card, veteran I.D . and drivers license stolen sometime between XXXX - XXXX in XXXX. Obviously this would have been the reason for the fraudulent accounts. I have reached out the all 3 credit bureaus attempting to resolve this matter via phone with no success, so I have now filed the ID tfeft with the FTC, now cfpb, and also a police report. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and stop reporting of all fraudulent data involved in any Identity theft with-in 4 days of receiving such request and proof of such. 

These accounts and inquiries are : XXXX XXXX Credit Card Account : Account listed on credit report XXXX XXXX XXXX Credit Card Account : Account listed on credit report XXXX Credit Card Account : Account listed on credit report NYS Child Support : Account listed on credit report XXXX XXXX XXXX XXXX : Account listed on Credit report Unauthorized Inquiries : US Department of Education : Inquiry dates XX/XX/XXXX and XX/XX/XXXX Factual Data Consumer Assistance : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry dates XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I'm filing a updated complaint against Carrington Mortgage. Since they reported 2 months behind on my credit report when I'm under an FHA unemployment loan program. They not not suppose report negatively to the credit reporting agencies.

Carrington is reporting that I'm 2 months behind on my mortgage and I'm under the unemployment loan program. Since this report, I have companies that I'm current on decreasing my credit or closing accounts to this negative unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute Inaccurate Collection Account Information Dear Experian, I am writing to formally dispute inaccurate information listed on my credit report. The specific account in question is : Creditor Name : XXXX XXXX Account Number : [ Last Four Digits of Account Number ] Balance Reported : {$3200.00} Status : Collection Account Upon reviewing my credit report, I noticed a factual inaccuracy that needs correction. Specifically : 1.Incorrect Status Update Date : The report indicates that the status was last updated in XX/XX/XXXX, but the payment history reflects collection activity continuing through XX/XX/XXXX, which is inconsistent. If the account was updated in XX/XX/XXXX, it should not reflect continued collection reporting past that date. 
XXXX.Payment History Discrepancy : The credit report marks the account in collection for every month from XX/XX/XXXX through XX/XX/XXXX, despite no recent activity or payments on the account. This raises concerns of re-aging, which is not permitted under the Fair Credit Reporting Act ( FCRA ). If the account was sent to collections at a certain point, it should not continue being updated as newly delinquent each month. 

These inaccuracies negatively impact my credit standing and must be corrected immediately. I request that Experian conduct an investigation and, if the creditor can not verify the accuracy of these records, the account should either be corrected or removed from my credit file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX 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 non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit, that was not properly investigated. I have filed several disputes with XXXX and Equifax. This dispute is submitted under the FCRA 15 U.S.C. 1681 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Disputes Reported : Over ten disputes were reported between XX/XX/XXXX and XX/XX/XXXX ; without resolution. 

The inaccurate item at hand is one 30+ late payment from XX/XX/XXXX with XXXX XXXX XXXX I have re-verified this information with an XXXX XXXX representative on a recorded line on XX/XX/XXXX at XXXX XXXX XXXX Stating that my account does not have any marks for a late month, only a returned check fee from XX/XX/XXXX, a fee which was returned to me as a credit after payment was received and the issue was resolved. Once again, it has been verified that my account is in good standing with no late months on file. XXXX XXXX representative submitted a request on behalf to fix the reporting issue that has threatening access to credit, housing, and employment, and housing. 

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. In accordance with, 15 U.S.C. 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

15 U.S.C 6802 A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Seeing as the financial institution never provided a consumer notice with 21 days, XXXX and Equifax failed to investigate. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I have disputed this issue with XXXX and Equifax ; however they refused to launch an actual investigation into resolving the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
A Fair Credit Reporting Act ( FCRA ) violation occurs when a consumer reporting agency ( CRA ) fails to comply with federal regulations governing the collection, distribution, and use of consumer credit information. The law mandates that CRAs implement reasonable procedures to ensure the complete accuracy of the information in credit reports. 

If a consumer incurs damages due to an FCRA violation, they have the right to file a lawsuit against the CRA and seek compensation for actual damages, statutory damages, and attorneys fees. The accounts listed in my letter contain inaccurate information, and I demand a thorough investigation into these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I never had XXXX XXXX XXXX XXXX when i received my credit report its shows that i had XXXX XXXX XXXX XXXX, I used XXXX for the past 10 years & i have 5 lines, internet, XXXX XXXX, someone used my name to sign up for cell phone services, i try to call them back and resolved the issue nothing happing this collection company these people are rude and incapable of performing their jobs, Totally disgusting and they need to be shut down! 



I keep receiving calls from Creditor Information SUNRISE CREDIT SERVI XXXX XXXX XXXX XXXX XXXX, NY 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 2025-01-30 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: IL

Complaint narrative:
I have been trying to obtain my credit report for a few years, with no luck because each website always tell me that I already have an account with different emails, in which I have never set up. Never took the pursuit as serious, as I did not feel like I needed my credit at the moment. Now that I am more knowledgable, I ordered a report and I found out that there have been multiple accounts fraudulently opened in my name. I have started reaching out to companies to have them closed. I have also obtained a police report and a FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I have been trying to obtain my credit report for a few years, with no luck because each website always tell me that I already have an account with different emails, in which I have never set up. Never took the pursuit as serious, as I did not feel like I needed my credit at the moment. Now that I am more knowledgable, I ordered a report and I found out that there have been multiple accounts fraudulently opened in my name. I have started reaching out to companies to have them closed. I have also obtained a police report and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I have been trying to obtain my credit report for a few years, with no luck because each website always tell me that I already have an account with different emails, in which I have never set up. Never took the pursuit as serious, as I did not feel like I needed my credit at the moment. Now that I am more knowledgable, I ordered a report and I found out that there have been multiple accounts fraudulently opened in my name. I have started reaching out to companies to have them closed. I have also obtained a police report and a FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX Balance {$10000.00} Original balance {$13000.00} Account number XXXX Open/closed Closed Date opened XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
Requested 1099C for from charged off accounts. Due to it being reported it indicates company received a tax break. But I have yet to received 1099c form after reaching out - XXXX XXXX - XXXX. XXXX has still added charges even after charged off. 
Information is not accurate. 
- XXXXXXXX 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account was paid. This account is not a charge off account as stated on my credit account. The account was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
This account was paid. This account is not a charge off account as stated on my credit account. The account was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: KY

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 REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR 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 vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation