vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XX/XX/XXXXto my life and credit health.

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 2025-02-20 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I am writing to report an issue regarding the exposure of my personal information in a national data breach. After reviewing my credit reports, I discovered accounts that I do not recognize or have no knowledge of. Specifically, I received statements from XXXX which I believe do not constitute proper validation of debt. 

To address this, I have requested debt validation from the Credit Reporting Agencies ( CRAs ), but I have not yet received the requested information. Given that my personal information was exposed in a national data breach, I have also submitted a complaint to the Federal Trade Commission ( FTC ) regarding this matter.

Attached are the following documents for your review : My FTC complaint report Proof of my identity ( including my SSN and utility bill ) A debt validation letter Evidence of my information being compromised in the data breach I kindly request your assistance in addressing this issue and ensuring that these unfamiliar accounts are properly investigated. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-02-20 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Inaccurate trade lines that allege negative marks on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of : XXXX XXXX {$5800.00} XXXX {$15000.00} >>>XX/XX/XXXXXXXX {$230.00} >>>XX/XX/XXXXXX/XX/XXXX $ XX/XX/XXXX>>DEPTEDXX/XX/XXXX{$3900.00} Inquires : XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of : XXXX XXXX {$5800.00} XXXX {$15000.00} >>>XX/XX/XXXXXXXX {$230.00} >>>XX/XX/XXXXXX/XX/XXXX $ XX/XX/XXXX>>DEPTEDXX/XX/XXXX{$3900.00} Inquires : XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

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 2025-02-20 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-20 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: FL

Complaint narrative:
We, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are submitting this statement regarding our dispute with XXXX XXXX XXXX due to deceptive and fraudulent sales practices. 
As XXXX XXXX facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and XXXX XXXX XXXX in violation of XXXX XXXX XXXX Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek resolution.

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 2025-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
We, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are submitting this statement regarding our dispute with XXXX XXXX XXXX due to deceptive and fraudulent sales practices. 
As XXXX XXXX facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and XXXX XXXX XXXX in violation of XXXXXXXX XXXX XXXX Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
We, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are submitting this statement regarding our dispute with XXXX XXXX XXXX due to deceptive and fraudulent sales practices. 
As XXXX XXXX facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXXXXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and XXXX XXXX XXXX in violation of XXXXXXXX XXXX XXXX Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that TransUnion acknowledge this dispute in our credit file as we seek resolution.

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 2025-02-19 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: NJ

Complaint narrative:
I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts, and they shouldnt be there.

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 2025-02-19 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: NJ

Complaint narrative:
Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-20 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: TX

Complaint narrative:
Description of What Happened with Experian I am filing this complaint because Experian has failed to remove inaccurate and fraudulent information from my credit report despite my dispute. 

I was a victim of the XXXX data breach, where my personal and financial information was compromised and exposed to unauthorized parties. As a result, fraudulent accounts, unauthorized hard inquiries, and inaccurate negative marks have appeared on my Experian credit report. 

Despite submitting a dispute, Experian has not properly investigated or removed these items, which continue to damage my credit profile. They are violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), which requires them to ensure that all reported information is accurate and verifiable. 

How Experian Violated My Rights XXXX. Failure to remove fraudulent accounts and inquiries These items appeared after my data was compromised in the XXXX breach and are not authorized by me. 


2. Lack of proper verification Experian has continued reporting these items without providing legally valid proof that they belong to me.

3. Negligence in handling disputes Despite my dispute, Experian has failed to take appropriate action and remove inaccurate information.

4. Continued reporting of unverifiable and fraudulent data Under 15 U.S.C. 1681i, if Experian can not verify the accuracy of these accounts and inquiries, they must be deleted immediately. 



What I Am Requesting I am formally requesting : The immediate removal of all fraudulent and inaccurate accounts and inquiries. 
A full reinvestigation, including documented proof of verification for any disputed items. 
A written explanation for why Experian has continued reporting inaccurate data despite my dispute. 
A corrected credit report reflecting the removal of all fraudulent items. 

If Experian fails to act, I will escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for non-compliance with federal law. 

I expect a prompt response and full resolution within 30 days, as required under the FCRA.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> I had an unauthorized charge from XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been providing out of date and incorrect information since XXXX, there's been no updates to my file and I am unable to access my own information. I can not recieve a credit report, nor can I dispute any info being transmitted without my express permission.

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 2025-02-20 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:
Transunion refuses my right to free and fair consumer report. Transunion refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. In fact they are adding addresses that weren't previously there and not attached to any account. TransUnion also has XXXX XXXXXXXX left on my report attached to an address that is not mine reporting. This XXXX need to be removed as well. Transunion received their information from public records without checking the accuracy the account which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. This is a violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.

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 2025-02-20 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: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation