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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Removal of these inquires from credit report that was from identity theft. My info was stolen from a data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing a collection account reported by XXXX. XXXX XXXX. The account was reported with incorrect personal information and charged daily interest on a debt I do not owe. I contacted the credit bureaus to dispute this, but they did not conduct a full investigation. I requested supporting documentation from XXXX. XXXX XXXX, including the signed lease agreement, itemized charges, proof of carpet replacement, and more, but they have failed to provide any of these documents. Despite this, the account remains on my credit report, negatively affecting my score. The original creditor has not proven that the debt is valid, and XXXX. XXXX XXXX has not shown they have the legal right to collect the debt.

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: 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: LA

Complaint narrative:
I am disputing a collection account reported by XXXX. XXXX XXXX. The account was reported with incorrect personal information and charged daily interest on a debt I do not owe. I contacted the credit bureaus to dispute this, but they did not conduct a full investigation. I requested supporting documentation from XXXX. XXXX XXXX, including the signed lease agreement, itemized charges, proof of carpet replacement, and more, but they have failed to provide any of these documents. Despite this, the account remains on my credit report, negatively affecting my score. The original creditor has not proven that the debt is valid, and XXXX. XXXX XXXX has not shown they have the legal right to collect the debt.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

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 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
this account was opened fraudulently and this is my 3rd time asking for help. i have no knowledge of this account and gave no XXXX consent. i am a senior citizen and i do not have XXXX phone service. I've been scammed and i need help. this was opened XX/XX/year>2023. i dont understand this

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There was a XXXX dispute letter sent to Equifax over 3 months ago on XX/XX/year> regarding XXXX unauthorized accounts. To date, Equifax has not responded to my request. I have included the FTC report, and the dispute letter which is dated and time stamped. I am requesting that the following accounts are deleted from my credit report within 4 days : XXXX 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called and tried sending a email on XX/XX/XXXX with no return response. XXXX asking why they have reported my account as closed when I am still making on time payments every month and this has affected my credit score significantly and if they have gone out of business the customer should not be the one to be punished. I need that removed off of my credit report immediately.

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 result of identity theft
Company: Experian Information Solutions Inc.
State: NY

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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I made various disputes on the XX/XX/XXXXaccount. To have it completely removed due to the incorrect reporting. Ive sent numerous of documents showing that its been paid and closed out. Yet they keep sending emails saying its been verified which lead me to believe they did not investigate at all which is unlawful. According to 15. U.S.C 1692C they have violated my rights by unlawful communications they need to remove this collection off of my credit report 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I made various disputes on the XX/XX/XXXXaccount. To have it completely removed due to the incorrect reporting. Ive sent numerous of documents showing that its been paid and closed out. Yet they keep sending emails saying its been verified which lead me to believe they did not investigate at all which is unlawful. According to 15. U.S.C 1692C they have violated my rights by unlawful communications they need to remove this collection off of my credit report thank you.

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: Problem with fraud alerts or security freezes — 
Company: Associated Credit Services, Inc.
State: AZ

Complaint narrative:
I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau XXXX, XXXX and XXXX records, there is incorrect information being reported under section # XXXX Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This is an account that is fraud and not my debt please removed immediately. I do not own and have never used this account. 15 U.S CODE 1692 15 U S CODE1692g 15 u s code 1681 e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided in my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau XXXX, XXXX and Equifax records, there is incorrect information being reported under section XXXX XXXXXXXX Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This account is not mine and is fraudulant and needs to be removed per FCRA This needs to be removed 15 U S cODE1692c 15 U.S Code 1692g15 U S Code 1681e ( b )

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: AZ

Complaint narrative:
I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau Experian, XXXX and XXXX records, there is incorrect information being reported under section XXXX XXXXXXXX Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This account is not mine and is fraudulant and needs to be removed per FCRA This needs to be removed 15 U S cODE1692c 15 U.S Code 1692g15 U S Code 1681e ( b )

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

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 a 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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
[ Resurgent Capital Services ] [ XXXX XXXX Place XXXX XXXX ] [ XXXX, SC, XXXX ] Subject : Debt Validation Request Notice of Legal Compliance Required To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt referenced above, which you have reported on my credit file. 

XXXX. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt. 

Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold. 

Verification that you are legally authorized to collect this alleged debt. 

Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance. 

XXXX. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k. 

XXXX. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency. 

This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within XXXX  days or remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
The XXXX. XXXX XXXX was repossessed with any written notification prior authorization to so on the date of XX/XX/XXXX. Following the repossession the vehicle was never disclosed on a location when I tried ti retrieving it and paying the balance. Personal property was stolen from the vehicle by XXXX XXXXXXXX XXXX DL debt card cash. Further more bridge crest did NOT posses a legal document for the XXXX XXXX because the rewritten reinstated contract was not signed by me. It obtained a fraudulent autograph. I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
They call me 5-6 times a day. I have told them to stop, via phone and email. They tell me they have no record of calls and it must be their automated system. I have screenshots of every call. This is a debt that met the statute of limitations in XXXX  XXXX as well, and they continue to modify reporting on my credit report to keep it open and reporting.

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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 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: MI

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