vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX in XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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.

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 2025-02-26 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: CBC Companies, Inc.
State: PA

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 explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated.

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 2025-02-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Apt XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Dispute of Incorrect Account Opening Date Dear XXXX XXXX XXXX, I am writing to formally dispute the incorrect account opening date reported on my credit report with your institution. According to my records, the account was opened on [ XX/XX/XXXX ], but my credit report ( or your records ) incorrectly lists the opening date as [ XX/XX/XXXX ]. According to my records, the original creditor ( XXXX XXXX XXXX XXXX that the financial history in regards to the collection started on [ XX/XX/XXXX ] This discrepancy XXXX negatively impact my credit history, and I kindly request that you investigate this matter and update your records accordingly. Enclosed, I have included copies of relevant documents, such as account statements or confirmation letters, to support my claim. 

Please correct this error and notify the credit bureaus of the updated information. Additionally, I request a written confirmation once the correction has been made. If any further information is needed, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring the accuracy of my account information. 

Sincerely, 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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A concerning collection entry has unexpectedly appeared on my credit file without any prior notification, raising serious questions about its legitimacy and accuracy. The Fair Debt Collection Practices Act clearly establishes my right to request validation of any claimed debt, yet I was never properly informed of this collection or provided with the necessary documentation to verify its authenticity. This situation requires immediate attention to prevent unwarranted damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX Bank ( XXXX ) for reporting inaccurate, unverified, and harmful information on my credit reports, violating the Fair Credit Reporting Act ( XXXX  ). I demand the immediate removal of disputed accounts and late payment remarks, as well as an investigation into XXXX  negligent practices. 

Summary of Violations Chronologically Impossible Charge-Offs and Balances : Account # XXXX : Date of Last Activity/Closed Date : XX/XX/XXXX ( future date, impossible ). 

Last Payment : Conflicting dates ( XX/XX/XXXX on XXXX vs. XX/XX/XXXX on Equifax ). 

Account # XXXX : Date Reported : XX/XX/XXXX ( future date ). 

XXXX XXXX : " Paid, was past due XXXX  days '' ( XXXX ) vs. " Paid as agreed '' ( XXXX ) XXXX 

Failure to Adequately Validate Disputes : XXXX dismissed prior disputes by falsely claiming " insufficient information, '' despite FCRA XXXX ( a ) ( XXXX ) ( A ) requiring investigations even without a credit report attachment. 

XXXX failed to provide : Signed original contracts. 

Verifiable payment history. 

Proof of charge-off notification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Severe Credit Damage : These inaccuracies have significantly lowered my FICO Score, limiting my access to loans, credit cards, and competitive interest rates. 

Legal Basis for Deletion XXXX XXXX. XXXX ( b ) : XXXX failed to follow reasonable procedures to ensure accuracy by reporting future dates and impossible balances. 

XXXX XXXX. XXXX : Credit bureaus did not conduct proper reinvestigations of disputed items. 

XXXX XXXX. XXXX : XXXX violated XXXX duty to correct inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX Bank ( XXXX ) for reporting inaccurate, unverified, and harmful information on my credit reports, violating the Fair Credit Reporting Act ( XXXX  ). I demand the immediate removal of disputed accounts and late payment remarks, as well as an investigation into XXXX  negligent practices. 

Summary of Violations Chronologically Impossible Charge-Offs and Balances : Account # XXXX : Date of Last Activity/Closed Date : XX/XX/XXXX ( future date, impossible ). 

Last Payment : Conflicting dates ( XX/XX/XXXX on TransUnion vs. XX/XX/XXXX on XXXX ). 

Account # XXXX : Date Reported : XX/XX/XXXX ( future date ). 

XXXX XXXX : " Paid, was past due 30 days '' ( XXXX ) vs. " Paid as agreed '' ( XXXX ) XXXX 

Failure to Adequately Validate Disputes : XXXX dismissed prior disputes by falsely claiming " insufficient information, '' despite FCRA XXXX ( a ) ( XXXX ) ( A ) requiring investigations even without a credit report attachment. 

XXXX failed to provide : Signed original contracts. 

Verifiable payment history. 

Proof of charge-off notification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Severe Credit Damage : These inaccuracies have significantly lowered my FICO Score, limiting my access to loans, credit cards, and competitive interest rates. 

Legal Basis for Deletion XXXX XXXX. XXXX ( b ) : XXXX failed to follow reasonable procedures to ensure accuracy by reporting future dates and impossible balances. 

XXXX XXXX. XXXX : Credit bureaus did not conduct proper reinvestigations of disputed items. 

XXXX XXXX. XXXX : XXXX violated XXXX duty to correct inaccuracies.

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 2025-02-26 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: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX Bank ( XXXX ) for reporting inaccurate, unverified, and harmful information on my credit reports, violating the Fair Credit Reporting Act ( XXXX ). I demand the immediate removal of disputed accounts and late payment remarks, as well as an investigation into XXXX  negligent practices. 

Summary of Violations Chronologically Impossible Charge-Offs and Balances : Account # XXXX : Date of Last Activity/Closed Date : XX/XX/XXXX ( future date, impossible ). 

Last Payment : Conflicting dates ( XX/XX/XXXX on XXXX vs. XX/XX/XXXX on XXXX ). 

Account # XXXX : Date Reported : XX/XX/XXXX ( future date ). 

XXXX XXXX : " Paid, was past due XXXX  days '' ( Experian ) vs. " Paid as agreed '' ( XXXX ) XXXX 

Failure to Adequately Validate Disputes : XXXX dismissed prior disputes by falsely claiming " insufficient information, '' despite FCRA XXXX ( a ) ( XXXX ) ( A ) requiring investigations even without a credit report attachment. 

XXXX failed to provide : Signed original contracts. 

Verifiable payment history. 

Proof of charge-off notification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Severe Credit Damage : These inaccuracies have significantly lowered my FICO Score, limiting my access to loans, credit cards, and competitive interest rates. 

Legal Basis for Deletion XXXX XXXX. XXXX ( b ) : XXXX failed to follow reasonable procedures to ensure accuracy by reporting future dates and impossible balances. 

XXXX XXXX. XXXX : Credit bureaus did not conduct proper reinvestigations of disputed items. 

XXXX XXXX. XXXX : XXXX violated XXXX duty to correct inaccuracies.

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 2025-02-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: CT

Complaint narrative:
I have disputed this account since I found it on my credit report and since have stated it isn't mine I didn't open it. This and another credit was opened by someone. I keep getting phone calls and emails regarding this now someone name XXXX is harassing me I state again I did not authorized anyone to open this account. It says XXXX owed. I need help resolving this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Customer Experience XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX with a XXXX Master Card ( Account number : XXXX XXXX XXXX XXXX ). My cell phone number is XXXX, and my postal address is XXXX. XXXX po box XXXX XXXX, XXXX. XXXX. 
I have not received my XXXX Bank  XXXX XXXX ( Account number : XXXX XXXX XXXX XXXX ) statements since XX/XX/XXXX. Since I seldom use it, I was not aware of it until the XXXX of XX/XX/XXXX, when a XXXX Bank representative called me to notify me that I had a XXXX month past due {$110.00} minimum payment. Since I always pay on time, I was surprised to receive this notification. Therefore, the same day, I went to the XXXX XXXX XXXX XXXX Bank XXXX to investigate the situation. 

During my personal visit to the bank, I paid the whole XXXX XXXX XXXX : {$6200.00}. In addition, I paid the interests ( {$110.00} ), and late payment ( {$35.00} ) charges associated with it : {$150.00}. During her investigation, the XXXX Bank official found that the bank had an error in my address, which was fixed while I was there. I requested the last XXXX months statements ( from XX/XX/XXXX to XX/XX/XXXX ), and this were e-mailed to me, and I received them that same day. However, the bank still owes me the credit card statements from XX/XX/XXXX to XX/XX/XXXX. 

Since I never received the XXXX XXXX statements, XXXX Bank did not comply with popper billing practice. Therefore, I am requesting that this late payment be erased from my credit card history and be notified to the Credit Bureaus as such. Although, XXXX Bank had an address error, which accounts for its failure to adequately bill me, they were able to bill me properly since I opened the account until XX/XX/XXXX. In addition, the company never called me to notify the XXXX missed payment, until it became delayed by more than a month. Moreover, as soon as I was notified, I immediately paid the complete balance due, thus showing diligence and responsibility. Therefore, since I never called or visit the bank to request an address change, XXXX Bank is responsible for the address mistake that gave rise to this missed payment. Hence, my request is more than justified. 
As I clearly explained, XXXX Bank is accountable for the missed payment.

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 2025-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-02-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
I signed up and was looking at their sight and didn't agree to any term 's and then 4 months later they put this on my credit report. I called to see what this charge was for because I didn't get any service from them and didn't agree to their service and the lady I spoke to couldn't answer any questions for me and refused to send me any paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation