vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Formal Complaint Against Experian - Credit Report Inaccuracies and Lack Of Response I am writing to formally lodge a complaint against Experian regarding inaccuracies on my credit report and the subsequent lack of response to my repeated attempts to rectify the situation. 

In XX/XX/XXXX, I reviewed all three of the bureaus report and discovered several inaccuracies, including multiple incorrect addresses and a student loan that I never signed up for. I promptly sent documentation to Experian to substantiate my claim that these entries were erroneous and not attributable to me. Regrettably, I received no response. 

Undeterred, I rewrote to Experian, providing the necessary documentation once more, However, I have yet to receive any acknowledgment or response from them regarding my dispute. 
Additionally, I have attempted to access my credit report through Experian 's process, which required me to mail a form to request the report. Despite completing this procedure three months ago, I have not received any correspondence or the requested report. 

Upon checking Experian 's website, I discovered that someone used my email to review the disputed loan with XXXX. Experian 's records indicate that the loan began in XXXX and my prior complaint to you it said XXXX, while XXXX 's records show it started in XXXX. This discrepancy has further complicated my efforts to address the inaccuracies on my credit report. 

Due to the negligence of Experian, I have been denied many offers that I otherwise would have been approved for. This situation has caused significant financial and emotional distress. 

Pursuant to 15 U.S. Code subsection 16811, Experian is required to conduct a reasonable reinvestigation of disputed information and correct any inaccuracies within 30 days. Additionally, under 15 U.S. Code subsection 1679c, I have the right to dispute inaccurate information and obtain a copy of my credit report free of charge if I have been denied credit, employment, insurance, or a rental dwelling due to information in my credit report.

The lack of communication and resolution from Experian has left me feeling frustrated and helpless. I am now seeking your assistance in compelling Experian to address and correct these inaccuracies and to respond to my disputes as required by law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, 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 2025-02-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$150.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$330.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$240.00} Account info Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$450.00} Account info Account name XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$150.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$450.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months Account info Account name XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$720.00} Highest balance - Terms 24 Months Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$520.00} Highest balance - Terms 24 Months Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$650.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$650.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
My old apt where I lived in saying I owe them XXXX for rent .NOT true..have paid {$32000.00} to XXXX XXXX with the money that I received that went directly to the landlord from the housing is key program for COVID in California he has cashed both checks I didn't get any of the money it all went to him also if you notice they made mistakes on the paperwork and the dates are incorrect. I have substantial proof that I have fulfilled my financial obligations to the landlord.

And I will be more than happy to send to you.

Specifically, I have evidence showing that my rent arrears were paid directly to the landlord through the Housing Is Key program in two payments : Payment of {$11000.00} made on XX/XX/XXXX Payment of {$21000.00} made on XX/XX/XXXX This totals {$32000.00}, which fully covered my rental obligations for Apartment # XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The XXXX XXXX for this payment assistance is XXXX. 

Both payments were cashed by the landlord, and I have attached receipts and proof, including copies of the cleared checks, to confirm this. These funds were provided through the Housing Is Key program and were not handled by me personallythey were disbursed directly to the landlord to resolve my outstanding rent. I did put a dispute in through the app XXXX XXXX but I did not attach any of this information so I would like it reopened and reinvestigated I did not owe this money I paid directly to the landlord I didn't see a dime of the money. 

In addition, I recently became aware of a lawsuit filed against me in court, which is also based on incorrect information, as my records clearly demonstrate that my obligations were satisfied in full. The claim on my credit report is inaccurate, and it is now preventing me from securing housing, which is causing significant harm. 


I HAVE PROOF AND DOCUMENTATION ON ALL THIS The collection agency was listed as this business here but now they tell me it's been moved over to an attorney an attorney 's office which is completely ridiculous I tried to call that office many times as well as the collection agency with absolutely no help I tried the landlord as well no help there They just tell me refer me to their attorney or talk to the bill collector so no one tells me anything no proof no nothing when I've paid more than I owe The landlord doesn't like me either so that has a lot to do with it. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC
State: ID

Complaint narrative:
Johnson Mark LLC, a debt collection law firm, has handled several debt collection lawsuits for credit card falsely opened in my maiden name. I have called their customer service line and emailed several times. I have spoken with customer service representatives several times and informed them that this is not my debt and isnt fraudulent. I have sent emails with copies of the police report of a break in at my apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I send my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to wage garnishment and I can not get any answers or feedback from Johnson Mark LLC. I have not been able to reach the lawyers directly, just an automated number. 
I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me. 
There are so many cases its been hard for me to follow. Most recently, XX/XX/XXXX wage garnishment related to a court case that they won by default. 
I believe they are saying the debt came to them around XXXX. Defaulted sometime 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 2025-02-03 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: CO

Complaint narrative:
Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX Balance {$13000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$670.00} XXXX updated XX/XX/XXXX 2025

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 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Request is deletion of debt on credit report All 3 agencies to update and delete remarks on credit reporting. 
Account is being reported by original credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified mailed dispute letters have been mailed. 

Violating FCRA MISLEADING TRIPLE REPORTING OF DEBT. 
Requesting for account to be deleted from credit reports including XXXX XXXX Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Request is deletion of debt on credit report All 3 agencies to update and delete remarks on credit reporting. 
Account is being reported by original credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified mailed dispute letters have been mailed. 

Violating FCRA MISLEADING TRIPLE REPORTING OF DEBT. 
Requesting for account to be deleted from credit reports including XXXX XXXX XXXX Experian 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 2025-02-03 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: NC

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 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
quifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 2025-02-03 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: GA

Complaint narrative:
quifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 2025-02-03 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: KY

Complaint narrative:
YOUR COMPNAY IS REPORTING SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURCIES IN THE PAYMENET HISTORY BETWEEN EXPERIAN, TRANSUNION, AND EQUIFAX. THIS IS A VIOLATION OF THE FCRA. THESE ACCOUNTS MUST BE DELETED IMMEDIAYELY. ( XXXX XXXX ) ( XXXX  ) ( XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: KY

Complaint narrative:
YOUR COMPNAY IS REPORTING SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURCIES IN THE PAYMENET HISTORY BETWEEN EXPERIAN, TRANSUNION, AND EQUIFAX. THIS IS A VIOLATION OF THE FCRA. THESE ACCOUNTS MUST BE DELETED IMMEDIAYELY. ( XXXX XXXX ) ( XXXX  ) ( XXXXXXXX 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 2025-02-03 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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