vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
XXXX, XXXX, and Equifax have failed to correct inaccuracies on my credit report despite multiple dispute attempts. I requested a re-investigation after their initial dispute closure, but the inaccuracies remain unresolved.

This violates the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 1681i : The agencies failed to conduct a proper re-investigation of the disputed information.

2. FCRA Section 1681e ( b ) : The bureaus did not ensure the information reported is accurate or complete, violating their responsibility to report with maximum possible accuracy.

3. FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without meaningful action or proper follow-up, breaching their legal obligation to address disputes adequately.

I demand immediate action to correct the inaccuracies on my credit report and ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date : XXXXXXXX  Date of Birth : XXXXXXXX  Last 4 Social : XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate, I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX  Account number : XXXX Dates reporting NOT Accurate : XXXX to XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
The following hard inquiries are a result of identity theft. I want these hard inquiries removed from my consumer 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 2025-01-03 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: MI

Complaint narrative:
The following hard inquiries are a result of identity theft. I want these hard inquiries removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: OK

Complaint narrative:
I am requesting an investigation into these accounts as there appears to be an error regarding their accuracy on my credit report. These accounts were removed previously but have since been re-added without my knowledge. I was neither notified about their return nor received any communication about this via mail.

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 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/25 Subject : Request for Debt Validation Dear National Credit Systems XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I am writing to request validation of a debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting verification of its validity. 


Please provide the following informatio 1. Proof that I owe the debt ( including the name of the original creditor and the account number ).

2. A detailed accounting of the debt, including the original amount, any interest, fees, or charges added.

3. Proof that you are authorized to collect the debt, including any assignment or purchase agreements.

4. Copies of any agreements or contracts I signed related to the debt.

5. Evidence that the statute of limitations has not expired on the debt. 
Until you provide the requested information, I respectfully ask that you cease all collection activities, including reporting this debt to any credit reporting agencies. 
Please respond to my request in writing to the address provided above. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The purchase was made on XX/XX/year>, at XXXX for {$1900.00}. I have also enrolledin the offer with 8 % cash back for XXXX. I was informed I should be able to get the cash back within 1-2 billing cycles butI still not get that.

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 2025-01-03 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:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-01-02 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:
In accordance with fair credit reporting act Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-01-03 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: OH

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-01-02 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: CA

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts and Inquiries Due to Data Breach I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide the right to remove fraudulent or unauthorized information resulting from a data breach. 
The following accounts and inquiries have been compromised as a result of the data breach, and I respectfully request that they be deleted and blocked from my credit report : Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$630.00} Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
Subject : Request for Deletion and Blocking of Accounts and Inquiries Due to Data Breach I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide the right to remove fraudulent or unauthorized information resulting from a data breach. 
The following accounts and inquiries have been compromised as a result of the data breach, and I respectfully request that they be deleted and blocked from my credit report : Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX o Date of Inquiry : 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 explanation
Consumer complaint received 2025-01-03 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : credit acceptance account number : 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries that I do not recognize. I have contacted all 3 CRAs and they refused 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 and 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 in initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries that I do not recognize. I have contacted all 3 CRAs and they refused 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 and 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 in initiated by 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting this complaint due to multiple inaccuracies on my credit report with TransUnion. My name is incorrectly listed as " XXXX XXXX XXXX, '' while the correct name is " XXXX XXXX XXXX. '' Additionally, there are multiple incorrect addresses listed that should be removed. The correct address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. '' Lastly, my employer is incorrectly stated as " XXXX XXXX '' The correct current employer is " XXXX XXXX. '' According to the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy in their reports. I request that TransUnion promptly correct these errors to reflect my correct name, address, and employer. Please provide me with written confirmation once these corrections are made and send me an updated copy of 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 2025-01-03 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: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-01-03 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: OH

Complaint narrative:
My personal information was involved in a data breach with equifax and with XXXX  XXXX in XXXX  and there are credit card accounts on my credit report that do not belong to me. I did not open the accounts that are being reported to XXXX, Equifax, and XXXX. I the credit card accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$67.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
Subject : Request for Action Due to 2017 Data Breach I am writing to formally address the violation of my federal rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as a result of the 2017 credit data breach that exposed my personal information. 

On [ insert date of breach notification, if known ], I received notification that my sensitive data, including my name, Social Security number, and other personal information, was compromised. This breach has caused me significant concern regarding identity theft and the security of my personal information. 

Under the Fair Credit Reporting Act, I am entitled to certain rights to protect my information and ensure its accuracy. I am requesting that you take the following actions : remove all negative report off my account ending in 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