vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found a Bankruptcy listed on my report. I contacted the US Bankruptcy Court in XXXX XXXX and received the following information. " The U.S. Bankruptcy Court does not report, furnish, and/or transmit Bankruptcy Court records or other information to the credit reporting agencies. '' I contacted the County Recorder and they repeatedly confirmed that they DO NOT provide any information to Equifax, XXXX, or XXXX, or XXXX XXXX, nor do they ever validate or confirm information regarding cases from the public record. As I have disputed this information in the past and requested reinvestigation, I have reason to believe and do so believe that if the CRA can not VALIDATE the information with the original creditor, they must remove it. 
I believe the information provided to me by the Courts to be factual, giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone, and I have due process rights and privacy rights that have definitely been violated. U.S. Supreme Court decided in Carpenter v. United States, that I have a reasonable expectation of privacy in the whole of my physical movements, including movements in public. As the CRAs are profiting off of the dissemination of this misinformation that violates my privacy and could never be verified/validated/confirmed accurate, they have gained, to my detriment, creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found a Bankruptcy listed on my report. I contacted the US Bankruptcy Court in XXXX XXXX and received the following information. " The U.S. Bankruptcy Court does not report, furnish, and/or transmit Bankruptcy Court records or other information to the credit reporting agencies. '' I contacted the County Recorder and they repeatedly confirmed that they DO NOT provide any information to XXXX, XXXX, or Experian, or XXXX XXXX, nor do they ever validate or confirm information regarding cases from the public record. As I have disputed this information in the past and requested reinvestigation, I have reason to believe and do so believe that if the CRA can not VALIDATE the information with the original creditor, they must remove it. 
I believe the information provided to me by the Courts to be factual, giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone, and I have due process rights and privacy rights that have definitely been violated. U.S. Supreme Court decided in Carpenter v. United States, that I have a reasonable expectation of privacy in the whole of my physical movements, including movements in public. As the CRAs are profiting off of the dissemination of this misinformation that violates my privacy and could never be verified/validated/confirmed accurate, they have gained, to my detriment, creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.

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 2025-01-10 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: VA

Complaint narrative:
FTC Report Number:XXXX  XXXX XXXX XXXX Account number XXXX. 

USPS Tracking- Pending, I Have Mailed Correspondence To Experian Legal HeadQuarters At XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Pursuant to FCRA 605B Block Fraudulent Account Within 4 Business Days Of Receiving Complaint.

Case 8:25-cv-00024 Consumer Financial Protection Bureau , Plaintiff , vs.

Experian Information Solutions , Inc., Defendant.

The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i.

Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file. 

I Have Enclosed Exhibits Showing When Account Was Removed On XXXX Once I Added Fraud Alert The XXXX XXXX XXXX Account Was Reinserted ON XX/XX/year>

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 2025-01-10 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: VA

Complaint narrative:
FTC Report XXXX XXXX XXXX XXXX Account number XXXX. 

XXXX Tracking- Pending, I Have Mailed Correspondence To Experian Legal HeadQuarters At XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Pursuant to FCRA XXXX Block Fraudulent Account Within XXXX Business Days Of Receiving Complaint.

Case 8:25-cv-00024 Consumer Financial Protection Bureau , Plaintiff , vs.

Experian Information Solutions , Inc., Defendant.

The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i.

Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file.

I Have Enclosed Exhibits Showing When Account Was Removed On XXXX Once I Added Fraud Alert The XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/year>

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 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Please remove all of these hard inquiries from my credit report. I did not authorize this creditor to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
The consistent inaccuracies on my report are causing real harm. My score has been lowered, and future opportunities are slipping away because of incorrect information. Its exhausting to have to fight to prove that I shouldnt be penalized for errors I didnt cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding XXXX XXXX XXXX. I have noticed discrepancies in the way this account is reported between the three major credit bureausExperian, TransUnion, and XXXX. 
Here are the specific inconsistencies I have identified : XXXX. XXXX is reporting a balance of {$53.00}, while TransUnion and XXXX report {$220.00}. 
XXXX. TransUnion is reporting the date of the last activity as XX/XX/year>, XXXX is reporting the last date of activity as XX/XX/year>. 
This conflicting information is causing confusion and could potentially impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and consistent. I request an immediate investigation into this matter to ensure the information on my credit report is corrected and aligned across all bureaus. 

For your convenience, I have attached the following : A copy of my credit report from all three bureaus highlighting the discrepancies A copy of my government-issued ID Proof of residence ( e.g., a utility bill ) Please verify the accuracy of this account with the furnisher and provide me with a written statement detailing the findings of your investigation. If the information can not be verified or corrected, I kindly request that this account be updated or removed as required by law. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days, as stipulated under the FCRA. Please send any updates or correspondence to the address listed above. 
Thank you for your cooperation.

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 2025-01-10 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

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 2025-01-11 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: NY

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge

of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent

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 2025-01-10 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:
This is the second time disputing these negative items on my credit report and I need them removed. Here are the acccounts : XXXXXXXX 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 {$130.00} Plus a XXXX XXXX has been added : XXXX XXXX XXXX XXXX XXXX The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
This is the second time disputing these negative items on my credit report and I need them removed. Here are the acccounts : XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$130.00} Plus a new collection has been added : XXXX XXXX XXXX XXXX XXXXXXXX The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

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 2025-01-10 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-10 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked, to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding XXXX XXXX XXXX. I have noticed discrepancies in the way this account is reported between the XXXX major credit bureausExperian, XXXX, and Equifax. 
Here are the specific inconsistencies I have identified : XXXX. Equifax is reporting a balance of {$53.00}, while XXXX and Equifax report {$220.00}. 
XXXX. XXXX is reporting the date of the last activity as XX/XX/year>, Equifax is reporting the last date of activity as XX/XX/year>. 
This conflicting information is causing confusion and could potentially impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and consistent. I request an immediate investigation into this matter to ensure the information on my credit report is corrected and aligned across all bureaus. 

For your convenience, I have attached the following : A copy of my credit report from all three bureaus highlighting the discrepancies A copy of my government-issued ID Proof of residence ( e.g., a utility bill ) Please verify the accuracy of this account with the furnisher and provide me with a written statement detailing the findings of your investigation. If the information can not be verified or corrected, I kindly request that this account be updated or removed as required by law. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days, as stipulated under the FCRA. Please send any updates or correspondence to the address listed above. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief