vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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:
For several months I have been trying to get current copies of my credit report, I am unable to access experian.com I am unable to speak to anyone over the phone and I haven't received acknowledgment of the police report submitted for Fraud on my credit profile. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally request the removal of certain inquiries listed on my Transunion and Experian credit report, as they do not meet the permissible purpose criteria established under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 604.

Upon reviewing my credit report, I noticed several inquiries that appear to be made without my consent or knowledge, or that do not align with the permissible purposes defined in the FCRA.

Under 15 U.S.C. 604, a consumer reporting agency may furnish a consumer report only for a legitimate purpose, which includes, but is not limited to : XXXX. A request made by the consumer. 
XXXX. A review by a lender to determine a consumer 's creditworthiness for an application they submitted. 
XXXX. Any other legitimate business need as permitted under the FCRA. 

Since the inquiries in question were not made with my consent or for the proper purposes, I kindly request that you investigate these inquiries and remove them from my credit report. 

Please find included a copy of my credit report highlighting the inquiries in question, as well as documentation supporting my request. I appreciate your cooperation in addressing this issue and look forward to a prompt resolution. 

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 XXXXXX/XX/XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Dear Portfolio Recovery Associates , LLC, Thank you for your response and for investigating the complaint regarding the PRA account ending in XXXX. 

I would like to address the points made in your response by referencing the relevant provisions of the Fair Credit Reporting Act ( FCRA ) : Verification and Validation of Debt : According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which is often cited alongside FCRA regulations, a consumer has the right to request verification of the debt. While you mentioned that you have sent validating documentation, this does not serve as proof that I owe PRA for this debt. I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor XXXX XXXX XXXX XXXX XXXX ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt.

Accuracy and Integrity of Information : Under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the information provided. I require evidence that the account information reported to credit bureaus is accurate, complete, and free of any discrepancies. 

Cease Communication Request : I appreciate your acknowledgment of my request to cease all communications regarding the PRA account. Be reminded that under the FDCPA Section 805 ( c ), debt collectors must cease communication upon written request, except to advise that the collector 's further efforts are being terminated, or to notify the consumer that the debt collector or creditor may invoke specified remedies.

Dispute Resolution : According to Section 611 ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information directly with the consumer reporting agency and the information furnisher. If I find any inaccuracies in the validating documentation provided, I will exercise my right to dispute such inaccuracies.

Request for Contract Assignment and Wet Signature : To further validate this debt, I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor XXXX XXXX XXXX XXXX XXXXXXXX ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt. 

Consequences of Failure to Provide Documentation : Please be advised that failure to provide the requested documentation within 15 days will be grounds for removing the account from my credit report. 

I expect your immediate attention to this matter. Failure to comply with these requests will result in appropriate actions to protect my rights under the FCRA and FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXXXX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXXXX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally request the removal of certain inquiries listed on my Transunion and Experian credit report, as they do not meet the permissible purpose criteria established under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 604.

Upon reviewing my credit report, I noticed several inquiries that appear to be made without my consent or knowledge, or that do not align with the permissible purposes defined in the FCRA.

Under 15 U.S.C. 604, a consumer reporting agency may furnish a consumer report only for a legitimate purpose, which includes, but is not limited to : XXXX. A request made by the consumer. 
XXXX. A review by a lender to determine a consumer 's creditworthiness for an application they submitted. 
XXXX. Any other legitimate business need as permitted under the FCRA. 

Since the inquiries in question were not made with my consent or for the proper purposes, I kindly request that you investigate these inquiries and remove them from my credit report. 

Please find included a copy of my credit report highlighting the inquiries in question, as well as documentation supporting my request. I appreciate your cooperation in addressing this issue and look forward to a prompt resolution. 

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 XXXXXX/XX/XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2025-02-19 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: IN

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-19 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-19 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: TX

Complaint narrative:
disputed information multiple times and asked for verified information that I singed up for these accounts. noting was shown. 
I did not agree for companies to list anything on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
disputed information multiple times and asked for verified information that I singed up for these accounts. noting was shown. 
I did not agree for companies to list anything 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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, my wife contacted Chase after I discovered an unauthorized Chase credit card account on my credit report while purchasing a new vehicle. During that call, a Chase representative informed her that the Chase Security Team had flagged the account for fraud on XX/XX/year>, and planned to close it. We requested written confirmation of this decision so that we could provide it to the XXXX XXXX  credit bureaus for account removal. My wife was assured that the letter would be mailed to our forwarding address and received within 7-14 days. 

However, after waiting more than a month without receiving the letter, I followed up with Chase on XX/XX/year>. At that time, I was informed that the Chase XXXX XXXX had decided not to close the account, despite my fraud report. 

Chases failure to properly investigate and close this fraudulent account violates the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). It is unacceptable that an account was opened in my name without proper identity verification, and I demand immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 non-monetary relief
Consumer complaint received 2025-02-19 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. 

XXXX # XXXX XX/XX/year> -- {$710.00} XXXX # XXXX XX/XX/year> -- {$750.00} XXXX # XXXX XX/XX/year> -- {$990.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, Equifax and TransUnion has failed to fulfill its legal obligation under the FCRA Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The CFPB has recently filed a lawsuit and fined the bureaus for not properly investigating disputes. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax and TransUnion violated federal law and my rights as a consumer. 

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
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
This has been an ongoing problem since XX/XX/XXXX. I filed a complaint with the consumer finance protection bureau a few weeks ago. I received the companies response from your organization a few days ago. 

However, unfortunately, they have a reported me again late for XX/XX/XXXX in error. I have provided proof to the company from XXXX XXXX and from XXXX showing that they reported me late again for XX/XX/XXXX in error. 

Each month this company erroneously reports me late and each month I contact them requesting a correction and requesting them to cease reporting me late in error While they have acknowledged that they erroneously reported me late from XXXX through XX/XX/XXXX and recently provided an unsolicited credit in the amount of {$100.00} and applied to my account. I do not want a credit I want the erroneous reporting to Stop, this is a violation of the Credit reporting act. Unfortunately, the only one that is being penalized for this is me. 

My credit scores continue to fluctuate as a result of their erroneous reporting it takes a day for them to report me late but months for them to correct the error when I call, I am getting nowhere All I want is for them to correctly report my status to the bureaus their errors have cost me a significant decrease in my credit score which has impacted me financially and prevented me from getting a refinance and a car I want to upgrade to be held accountable for their continued erroneous reporting I want them to be held accountable for impacting me in a detrimental way financially

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation