vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of an insurance account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports within 4 days and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Additionally, I request the deletion of the following inquiry from my TransUnion credit report : XX/XX/XXXX XXXX XXXX XXXX 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 non-monetary relief
Consumer complaint received 2025-01-26 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:
XXXX Dept of Ed is being reported on my credit report. I have requested for all the XXXX  balances to be placed as closed with XXXX balance. EQUIFAX HAS FAILED TO DO THEIR JOB AND REMOVE THESE XXXX  ACCOUNTS I CALLED XXXX AND THEY SAID THE ACCOUNT IS CLOSED WITH XXXX BALANCE YET EQUIFAX IS REPORTING IT ON MY CREDIT. THIS IS EXTREMELY HARMFUL remove it immediately. They never remove anything that is inaccurate. I will sue them if they do not remove it. This is the last request before I sue Equfax!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I use to work for this company and they fired me since they have fired me they keep calling me I've had to block them sending letter or what they will do is update your file like you called in. they pay you to harass people I quit because of that issue SIMONS AGENCY NEEDS TO BE SHUT DOWN. I haven't worked for them since 2018 why am I still being harassed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
I WAS NOT GIVEN A FAIR OR PROPER INVESTIGATION MY RIGHTS WERE VIOLATED ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
Two different XXXX  accounts with payments of {$1400.00} and {$920.00}. I have submitted two different disputes for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
there has been false reports on my Equifax and XXXX XXXX. I also had identity theft at one time. My credit seems to be all over the place when it was excellent. I don't know half these charges on my account and I'm trying to dispute this stuff and I can only do one at a time and I'm not exactly sure how to fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX. Social security # XXXX XXXX XX/XX/1993 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX XXXX XXXX reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information have been a major problem with me opening up any new bank accounts. I gave made multiple complaints addressing this matter and will be taking steps into getting this situated in the court if thats what it takes. This consists of an account that opened up by XXXX XXXX. accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX  credit report. Once again I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
I have disputed that the payments were never made late and asked to provide me proof XXXX times. Payments werent late and loan was payed off in full. This is severely impacting my XXXX XXXX. M/t bank I even tried to call them and they never helped 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 2025-01-26 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: NH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a 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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP
State: HI

Complaint narrative:
NELSON AND KENNARD is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with NELSON AND KENNARD. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. NELSON AND KENNARD is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I have requested multiple times for proof with signature that I owe this debt to XXXX XXXX XXXX XXXX. This is a fraudulent company. I paid this debt because the mortgage lender said I needed to pay it in order to obtain a mortgage loan. This company verbalized that they would remove this if I paid it. They lied and that is a crime. I am demanding that this account that was paid in full by me although I never acknowledged that I owed this debt to this company I am demanding that this debt be removed! Thank you

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I went to attorney to get information on bankruptcy but never followed up with the attorney authorizing them to move forward because I changed my mind and did not want to file but they did without my consent. I contacted LexisNexis several times requesting that they reframe from falsely verifying this incorrect information and Opted out from any services they provide to their customers involving me or my social security information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX CC : XXXX XXXX XXXX ; Federal Trade Commission XXXX Consumer Financial Protection Bureau These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. Trans Union received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Transaction : XXXX XXXX XXXX  Balance : {$21000.00} : Opened : XXXX XXXX, XXXX ( REPOSESSION )? 
Fraudulent Transaction : Conns : Balance : {$840.00} : Opened : 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 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 Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Trans Union to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM BEING PSYCHOLOGICALLY HARASSED.

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 2025-01-26 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: IL

Complaint narrative:
TransUnion only deleted one account from my credit report, despite my claims that multiple accounts were fraudulent due to identity theft. I provided the necessary proof, as they requested, to confirm my involvement as a victim of identity theft. However, they continue to send letters stating that the remaining accounts are accurate, failing to comply with Section 605B of the Fair Credit Reporting Act, which requires them to block and remove fraudulent information within four days of receiving proper documentation. Ive explained that I lost my wallet containing my ID and Social Security card, and combined with data breaches, this has left me vulnerable. Despite this, TransUnion is refusing to remove the remaining negative accounts, making the process unnecessarily difficult.

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 2025-01-26 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: MN

Complaint narrative:
I am writing to file a complaint against Equifax for reporting inaccurate information on my credit report. I have attached a screenshot of the inaccurate information. 

Crucially, both XXXX and XXXX, the other two major credit reporting bureaus, have already removed this negative information from my credit reports. This discrepancy in reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ). This section of the FCRA mandates that all consumer reporting agencies ( CRAs ) maintain " substantially similar '' information. If one CRA reports inaccurate information, it creates a significant disparity and can negatively impact a consumer 's credit score.

15 U.S.C. 1681e ( b ) : This section outlines the reasonable procedures that CRAs must follow to ensure the accuracy, completeness, and timeliness of consumer information. My attempts to dispute the inaccurate information with Equifax have been met with inaction, indicating a failure to adhere to these reasonable procedures.

15 U.S.C. 1681s-2 : This section addresses the obligations of CRAs to investigate and correct disputed information. Equifax 's persistent refusal to correct the inaccurate information on my credit report constitutes a violation of this section.

15 U.S.C. 1681i ( 5 ) : This section, as mentioned earlier, mandates that CRAs maintain substantially similar information. Equifax 's failure to remove the inaccurate information while other CRAs have done so directly violates this requirement.

15 U.S.C. 1681c ( c ) : This section pertains to the permissible purposes for which consumer information can be furnished. By maintaining and reporting inaccurate information, Equifax is potentially furnishing information for impermissible purposes, such as denying credit or employment opportunities to consumers. 
I have been actively trying to fix my credit and have sent multiple letters to Equifax, but their continued non-compliance with these crucial sections of the FCRA is hindering my efforts. 

Recent Lawsuit : I am aware of the recent lawsuit filed by the CFPB against Equifax. This lawsuit further highlights the company 's pattern of disregarding consumer rights and violating the FCRA. 

Immediate Removal : Given the clear violations of the FCRA and the substantial harm caused by the inaccurate information, I am requesting that the CFPB order Equifax to immediately delete the inaccurate information from my credit report. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I have requested multiple times to remove inquiries from my credit report that I did not authorize. EQUIFAX HAS failed to remove these inquiries I have sent them my drivers license and social security and Identity theft report not too long ago and yet they never removed the inquiries. Both XXXX and XXXX  have removed the inquiries but Equifax fails to do their job and remove them. I am demanding all credit inquiries be removed. I explained to them that my credit was breached but they do not care. Please remove these inquiries immediately thank you. This is a crime against my rights by law for Equifax to continue to provide my credit information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
Im writing to dispute erroneous negative Information reported in your records Under my social security number. I was Impacted by the customer data security breach and believe this may have contributed to unauthorized activity on my account. Upon obtaining a copy of chexsystems report I discovered several inaccuracies including entries from banks with which I have no affiliation. Specifically, your record shows non sufficient funds on or around the counts. I contest these records as they are inaccurate, I have no relatationship with these institutions and didnt authorized the account. Inquires, or transact therefore I request that you. 1.Conduct a thorough Investigation of the disputed records under the fair credit reporting act ( 15U.S.C1681i ) Provide Verifiable documentation or evidence from the reporting entities substantiating these entries.Delete the unverifiable inaccurate or unauthorized records from my chexsystems report.send me updated copy of my chexsystems reporting reflecting the corrections as a credit reporting agency, you are required to comply with the fair credit reporting act ( FCRA ) per is U.S.C 1681i ) a ) you must investigate disputed information and correct or delete inaccurate incomplete or unverifiable information within 30days. Failure to comply with federal regulation including those outlined under 15U.S.C 41 et seq.May result in Investigation by the federal trade Commission ( F.T.C ) or the Consumer financial protection Bureau ( CFPB ) .Im keeping meticulous records of all correspondence related to this matter for submission to appropriate authorities Including the Alabama attorney Generals offices Should you fail to act in compliance I would like to remind you of potential liability for willful non-compliance as established in should you fail to provide documentation including assigned contract or agreement bearing my signature I purse legal actions against Chexsystems for the following damages : Defamation of character ; Negligent eneablement of identity fraud : Violations of the fair credit reporting act. I will seek denages of ( XXXX ) In court if my request are ignored. I will also be filing federal complaints. Please ensure compliance with the FCRA and provide a written explanation of your findings after completing your investigation. Additionally, Send me an updated copy of chexsystems report to comfirm correction have resolving the disputes within the legally mandated timeline.

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