vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-27 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:
While reviewing my Equifax credit report, I discovered hard inquiries and fraudulent accounts that were not authorized by me. The following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No date provided ) Additionally, I identified fraudulent accounts that were opened in my name without my approval : XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX Opened XX/XX/XXXX These accounts were not opened by me, and I have no connection to them. Their presence on my credit report is inaccurate and damaging. I have never applied for credit with these companies, and I suspect identity theft, as documented in my FTC Identity Theft Report ( # XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-27 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-27 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I am submitting this formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and permanent deletion of fraudulent accounts, inquiries, and collections appearing on my credit report as a result of identity theft. My personal information was compromised due to a data breach, leading to unauthorized activity that does not reflect my credit history or consent. Specifically, multiple accounts were fraudulently opened in my name, including those with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Additionally, unauthorized hard inquiries were made by XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX, while fraudulent collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have appeared on my report. 

In compliance with the Fair Credit Reporting Act, I formally request that all fraudulent items be removed within four business days of receiving this dispute, as mandated by law. I have enclosed supporting documentation, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( XXXX XXXX XXXX  ), and my consumer credit report highlighting the fraudulent items. Additionally, I request written confirmation detailing the removal of these inaccurate accounts, inquiries, and collections. I appreciate your immediate attention to resolving this matter and expect a timely response as required under the FCRA. If further information is needed, I can be reached via email or phone.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding my lease account with Ford Credit. In XX/XX/year>, I leased a vehicle that began experiencing mechanical issues due to a manufacturer defect. By XX/XX/year>, the defect had worsened to the point that I could no longer use the vehicle properly. As a result, I returned the car and submitted a written cancellation letter explaining that the defect had rendered the lease void. 



Despite this, Ford Credit has continued to keep my account open, sent the vehicle to auction, and reported the lease as active on my credit report. This is unfair and has caused financial harm by negatively impacting my credit standing. I made every effort to resolve this matter properly by returning the vehicle and providing formal notice, yet Ford Credit has not corrected the issue.

I am requesting the following : 1. Immediate correction of my account status to reflect the lease termination.

2. Removal of any negative reporting related to this account from all credit bureaus.

3. Confirmation in writing that my account has been properly closed with no remaining balance.

4. Compensation for any financial harm or inconvenience caused by this situation.

Please address this matter as soon as possible. If I do not receive a resolution within [ reasonable timeframe, e.g., 14 days ], I may need to escalate my complaint to the appropriate consumer protection agencies.

I appreciate your prompt attention to this matter and look forward to your response. You can reach me at [ your phone number ] or [ your email ] if you need any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-02-27 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$730.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: MA

Complaint narrative:
Im filing this complaint regarding inaccurate items on my credit. Despite my efforts to resolve this dispute with the reporting agency, it remains unresolved. I request an immediate investigation and removal of all inaccurate items off as this does not reflect my true credit history.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an incorrect credit reporting issue on my XXXX and XXXX credit reports. 

I previously had a collection account from XXXX  XXXX, assigned to LJ Ross. The details are as follows : Original Creditor : XXXX  XXXX XXXX XXXX : LJ Ross Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX Original Balance : {$390.00} Current Balance : {$0.00} ( Paid in Full ) Date Assigned : XX/XX/year> Despite paying the account in full, the collection account remains on my credit report, negatively impacting my credit score and limiting my ability to obtain fair credit terms. 
Reasons for Complaint : Fair Credit Reporting Violation ( FCRA 15 U.S.C. 1681c ( a ) ( 5 ) ) : Since this account has been paid in full, it should no longer be negatively impacting my credit profile.

Unfair Credit Reporting Practices : The collection agency has failed to update my account status correctly to reflect my responsible payment. 
Request for Removal : Many collection agencies remove paid accounts as a goodwill gesture, and I am requesting that this be done in my case. 


Thank you for your time, and I look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NE

Complaint narrative:
In regards to my payed-in-full/closed Department of Education account reporting all 3 reporting agencies . There is inaccurate information being furnished with late payments as of XXXX XXXX, XXXX, and XXXX with different past due days reporting to ( Experian, XXXX, andXXXX XXXX. My latest credit report was updated through ( Experian ) XX/XX/XXXX emailed with a status increased fico score XXXX and late payments fell off my report regarding the new update. I had an dispute going on prior to the update regarding the current account that had been resolved on XX/XX/XXXX that update the current account with mymy fico score decreased back down to XXXX with the delinquency late payments updated to my report from the year XXXX. From my understanding and under FCRA negative iteams, late payments, or delinquency iteams can stay on credit reports up to 7yrs and deleted after 7yrs period.

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 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: TN

Complaint narrative:
I was told by Jefferson capital that I needed to pay old debt by XXXX XXXX that I would be sued and thrown into jail if I didnt pay up front fees of XXXX XXXXThe XXXX XXXX was opened XX/XX/XXXX charge off debt from 2020. Jefferson capital brought this debt XX/XX/XXXX and still reporting it late .They brought this debt as a charge off XX/XX/XXXX. Also Jefferson capital brought XXXX debt XX/XX/XXXX for {$4500.00} as a charge off they are reporting this debt as if I just opened it XXXX debt was opened XX/XX/XXXX. I defaulted on this loan in XX/XX/XXXX during XXXX because I loss my job. They havent prove I owe this debt with the original company of the contract with my signature they been calling my phone bullying me and harassment on me my job threatening to putting me in jail. If I dont pay up this very stress Im in fear of my life. I dont want to go to jail over this debt. Please help me I cant afford to loss my job or being homeless they threaten to take my home as well. They threaten to everything I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX Bondage, which falls under XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX Bankruptcy - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was notified today, XXXX XX/XX/year>, that my credit limit on my Mattress Firm credit card was lowered from {$5300.00} to {$3200.00}. This represents a nearly 40 % reduction for no reason. I have paid this Mattress Firm account religiously since I used it to purchase a bed frame and mattress, and am taking advantage of a fixed payment plan. As a result, my available credit went from 60 % to 97 % in a matter of moments. I am requesting an immediate return to {$5300.00}, as this is an egregious reduction done so for no reason, and done by accessing my credit report without my authorization. I am in the middle of a dispute with my mortgage servicer on their reporting of a late payment, so this reduction should not have occurred with that factor included in the decision.

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 2025-02-27 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: MD

Complaint narrative:
FILED FTC REPORT BECAUSE XXXX MEDICAL BILLS ARE REPORTING ON MY CREDIT AND FINANCIALLY INJURING ME STOPPING ME FROM A MAJOR TRANSACTION WHEN MEDICAL BILLS ARE NOT SUPPOSED TO BE REPORTING ON CREDIT REPORTS AT ALL. TRIED REACHING THE XXXX CREDIT BUREAUS AND THEY ARE NOT HELPING. THIS IS URGENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments : Affirm XXXX : XXXX days late XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX days late is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verity these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my payment history to XXXX  status ( XXXX XXXX XXXX XXXX XXXX according to consumer protection laws.

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-27 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 am Listed XXXX inquiries fraudulent from my Trasunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to XXXX these inquiries fraudulent and remove 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