vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: GA

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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 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: GA

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 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 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 XXXX 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 2025-03-25 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: NY

Complaint narrative:
I previously sent a formal dispute letter regarding an inaccurate late payment reported on my credit file. I have yet to receive a response or any corrective action, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my initial letter, the disputed late payments on my accounts listed below are incorrect, and I have requested verifiable proof of any transaction supporting your claim : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Payment Status : Chargeoff I am disputing the charge-off status reported on my XXXX XXXX Services account XXXX I was not properly notified of this action, and I request verification of the accuracy of this reporting. If this information can not be verified, please remove the charge-off 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 explanation
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
The accounts listed are not mine and were unauthorized. These accounts were open without my consent : 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

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 2025-03-25 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: SC

Complaint narrative:
The accounts listed are not mine and were unauthorized. These accounts were open without my consent : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-25 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: NY

Complaint narrative:
I previously sent a formal dispute letter regarding an inaccurate late payment reported on my credit file. I have yet to receive a response or any corrective action, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my initial letter, the disputed late payments on my accounts listed below are incorrect, and I have requested verifiable proof of any transaction supporting your claim : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Payment Status : Chargeoff I am disputing the charge-off status reported on my XXXX XXXX Services account XXXX I was not properly notified of this action, and I request verification of the accuracy of this reporting. If this information can not be verified, please remove the charge-off from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I previously sent a formal dispute letter regarding an inaccurate late payment reported on my credit file. I have yet to receive a response or any corrective action, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my initial letter, the disputed late payments on my accounts listed below are incorrect, and I have requested verifiable proof of any transaction supporting your claim : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Payment Status : Chargeoff I am disputing the charge-off status reported on my XXXX XXXX Services account XXXX I was not properly notified of this action, and I request verification of the accuracy of this reporting. If this information can not be verified, please remove the charge-off 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
Consumer complaint received 2025-03-25 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:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Disputes Regarding Noncompliance Under 15 U.S. Code 1681o Dear Equifax I am writing to formally dispute the actions taken by Equifax concerning my consumer report, specifically in relation to potential negligent noncompliance with the Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681o. 

It has come to my attention that these specific accounts are inaccurate and still reporting on my account and Equifax has had failure to provide required disclosures. XXXX XXXX XXXX, XXXX XXXX, Attorney General, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
This situation has caused me significant concern, as it may constitute a violation of the obligations set forth in the FCRA.

According to 15 U.S. Code 1681o, entities that negligently fail to comply with the requirements of the FCRA are liable for damages sustained by the consumer. I believe that the actions taken by your organization fall under this provision, as your company has not done proper investigations.

I respectfully request that you conduct a thorough investigation into this matter and provide me with a written response detailing the findings of your investigation. Additionally, if any inaccuracies are confirmed, I expect prompt correction of my consumer report and notification to any parties that may have accessed the erroneous information.

Please consider this letter as my formal request under the relevant provisions of the FCRA. I appreciate your immediate attention to this serious matter and look forward to your timely response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-25 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: GA

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 List of Unauthorized Inquiries : XXXX  - XXXX 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already contact the credit bureaus concerning this issue but they are not being responsive. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports, and that inaccurate or unverifiable information must be removed or deleted This is an inacuracy on my credit reporting as if I am current on XXXX, how can I be 90 days late in XXXX. Please delete this inacuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I have already contact the credit bureaus concerning this issue but they are not being responsive. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports, and that inaccurate or unverifiable information must be removed or deleted This is an inacuracy on my credit reporting as if I am current on XXXX, how can I be 90 days late in XXXX. Please delete this inacuracy.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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 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 explanation
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$9800.00} XXXX XXXX Original Creditr : XXXX XXXX XXXX Balance {$2300.00} XXXXXXXX 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 2025-03-25 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: SC

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$9800.00} XXXX XXXX Original Creditr : XXXX XXXX XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I am submitting this complaint regarding multiple collection accounts appearing on my credit report that do not belong to me. I discovered these inaccuracies while reviewing my credit report and immediately took steps to dispute them with the credit bureaus and the collection agencies involved. 

Despite my disputes, these accounts remain on my report, negatively affecting my credit score and financial standing. I have never opened or authorized these accounts, and I am requesting that they be thoroughly investigated and removed as they are not mine. 

I would appreciate the CFPBs assistance in ensuring these errors are corrected as soon as possible. Please let me know if any further information is needed to process my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 am submitting this complaint regarding multiple collection accounts appearing on my credit report that do not belong to me. I discovered these inaccuracies while reviewing my credit report and immediately took steps to dispute them with the credit bureaus and the collection agencies involved. 

Despite my disputes, these accounts remain on my report, negatively affecting my credit score and financial standing. I have never opened or authorized these accounts, and I am requesting that they be thoroughly investigated and removed as they are not mine. 

I would appreciate the CFPBs assistance in ensuring these errors are corrected as soon as possible. Please let me know if any further information is needed to process my complaint.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received my credit report and contacted Experian to remove an inaccurate address on my report. The information Experian is reporting is this address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I disputed this misinformation and it came back updated. By the provisions of the Fair Credit Reporting Act of 1970, 15 US Code 1681 ( I ) ( 7 ), I demand that this address be reinvestigated and deleted from my credit report. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 1681 ( i ) of the Act, you have 3 days from receipt of this letter to verify this disputed information.

In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 US Code Section 1681d of the Act, please notify me when the item have been deleted.

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