vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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:
Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the three major credit reporting agencies ( XXXX, Experian, and XXXX ). The account in question, which was a XXXX charge-off, was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/year>. Given that XXXX has completely deleted this account from my credit file, I respectfully request that XXXX, Experian, and XXXX take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXX charge-off account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. I look forward to your prompt attention to this matter. Sincerely, 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 2025-01-11 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: GA

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been trying to dispute accounts on my credit report and I keep getting saying it's verified but never received any proof or deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act Public law 91-506 Title VI Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your reinvestigation

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 2025-01-11 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of outdated or incorrect address information from my credit report with XXXX, Transunion and XXXX. I recently reviewed my credit reports and found that some addresses listed are no longer valid or accurate

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 2025-01-11 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: TX

Complaint narrative:
I am writing to formally request the removal of outdated or incorrect address information from my credit report with XXXX, XXXX and Equifax. I recently reviewed my credit reports and found that some addresses listed are no longer valid or accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I noticed my debit card was stolen. I called USAA to stop the debit card. There were six charges made before I could have the card stopped. There was one charge to XXXX for {$110.00}. There were two charges to XXXX for the amount {$210.00}. There was a charge for {$84.00} to XXXX. There was a charge for {$63.00} to XXXXXXXX XXXX XXXX XXXX. There was also a charge for {$22.00} to XXXX. 
USAA temporarily gave me the money back to my account while they did research on the charges. I was sent a letter on XXXX XXXX saying they found no fraudulent charges for XXXX XXXX and XXXX. They said I could call them to find out what information they used to declare it was not fraudulent. I called them to ask for the paperwork and I never received it and they have sent charged me for those charges. I received a letter on XX/XX/XXXX from USAA stating they found no fraudulent charges for XXXX and XXXX. I called them in regards to those charges to ask for information on how they found them not fraudulent. They said they would get back to me, but I fear that nothing will happen and I will be charged for them again. They also said that I could go to the merchants to see if they would refund me.

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 monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, XXXX refuses to provide thorough details for their reinvestigation as to how each are continuously reporting negative information on each accounts. Delete or correct my disputed information.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

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: 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: FL

Complaint narrative:
This complaint is based on documented findings from the Consumer Financial Protection Bureau ( CFPB ) investigation into Experian Information Solutions, as outlined in the case Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., Case No. XXXX. 

Experian has violated its obligations under the Fair Credit Reporting Act ( FCRA ) by failing to update or remove inaccurate information on my credit report, specifically regarding charge-offs, alleged late payments, and collection accounts from the following creditors : 1. Charge-Offs and Alleged Late Payments : - XXXX XXXXXXXX : Failure to meet reasonable reinvestigation requirements under 15 U.S.C. 1681i ( a ). 
- XXXX XXXX : Ongoing reporting of disputed charge-off status and late payments without proper verification. 
- XXXXXXXX XXXX XXXXXXXX : Inadequate reinvestigation or correction of disputed charge-offs and alleged late payments. 
- XXXX XXXXXXXX : Unresolved disputes regarding charge-offs and late payment reporting in violation of Experians reinvestigation duties under 15 U.S.C. 1681i. 

2. Accounts with Alleged Late Payments : - XXXX XXXX XXXX : Continued late payment reporting despite disputes that warrant correction per FCRA 15 U.S.C. 1681i ( a ) ( 5 ). 

3. Collection Accounts : - XXXX XXXX XXXX  : Two collection accounts remain on my credit report despite disputes and lack of verifiable evidence, violating 15 U.S.C. 1681e ( b ). 

Violations of FCRA & CFPB Findings : Experians practices, as described in the attached CFPB report, highlight systemic issues including : - Failure to Conduct Reasonable Reinvestigations : Experian has demonstrated a pattern of relying excessively on furnishers ' responses despite receiving contradictory evidence, contrary to 15 U.S.C. 1681i ( a ). 
- Failure to Ensure Maximum Accuracy : Experians reinsertion of previously deleted or corrected tradelines violates 15 U.S.C. 1681i ( a ) ( 5 ) and 1681e ( b ). 
- Failure to Notify Consumers Properly : Experian issued unclear and inconsistent dispute resolution letters in violation of 15 U.S.C. 1681i ( a ) ( 6 ). 

These documented failures mirror my experiences, where Experian has ignored key dispute information, resulting in inaccurate reporting. 

Impact on Credit : These reporting issues have caused credit denials, unfavorable loan terms, and financial harm, contradicting Experian 's legal obligations.

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: 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: FL

Complaint narrative:
This complaint is based on documented findings from the Consumer Financial Protection Bureau ( CFPB ) investigation into Experian Information Solutions, as outlined in the case Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., Case No. XXXX. 

Experian has violated its obligations under the Fair Credit Reporting Act ( FCRA ) by failing to update or remove inaccurate information on my credit report, specifically regarding charge-offs, alleged late payments, and collection accounts from the following creditors : 1. Charge-Offs and Alleged Late Payments : - XXXX XXXXXXXX : Failure to meet reasonable reinvestigation requirements under 15 U.S.C. 1681i ( a ). 
- XXXX XXXX : Ongoing reporting of disputed charge-off status and late payments without proper verification. 
- XXXXXXXX XXXX XXXXXXXX : Inadequate reinvestigation or correction of disputed charge-offs and alleged late payments. 
- XXXX XXXXXXXX : Unresolved disputes regarding charge-offs and late payment reporting in violation of Experians reinvestigation duties under 15 U.S.C. 1681i. 

2. Accounts with Alleged Late Payments : - XXXX XXXX XXXX : Continued late payment reporting despite disputes that warrant correction per FCRA 15 U.S.C. 1681i ( a ) ( 5 ). 

3. Collection Accounts : - XXXX XXXX XXXX : Two collection accounts remain on my credit report despite disputes and lack of verifiable evidence, violating 15 U.S.C. 1681e ( b ). 

Violations of FCRA & CFPB Findings : Experians practices, as described in the attached CFPB report, highlight systemic issues including : - Failure to Conduct Reasonable Reinvestigations : Experian has demonstrated a pattern of relying excessively on furnishers ' responses despite receiving contradictory evidence, contrary to 15 U.S.C. 1681i ( a ). 
- Failure to Ensure Maximum Accuracy : Experians reinsertion of previously deleted or corrected tradelines violates 15 U.S.C. 1681i ( a ) ( 5 ) and 1681e ( b ). 
- Failure to Notify Consumers Properly : Experian issued unclear and inconsistent dispute resolution letters in violation of 15 U.S.C. 1681i ( a ) ( 6 ). 

These documented failures mirror my experiences, where Experian has ignored key dispute information, resulting in inaccurate reporting. 

Impact on Credit : These reporting issues have caused credit denials, unfavorable loan terms, and financial harm, contradicting Experian 's legal obligations.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-11 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: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions. 
15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions. 
15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.

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: 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: TN

Complaint narrative:
Well I got a notification from XXXX that an account went current but they didn't change it then when I disputed it they didn't update it just kept it the same I've also submitted that my car account started in XXXX but they have it starting in XXXX I asked for that to be investigated for false information on my report and they didn't investigate just verified it and kept it the same and I sent them the car contracted that started in 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