vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 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 - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-03-07 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Regarding XXXX XXXX charge. Was on XXXX and XXXX credit reports. ( I was never contacted by I C System, I found the charge on my credit reports ). I disputed the charge and it was removed from XXXX, but not XXXX. XXXX says it was verified. I had explained that I had not had a TV for several years, and only ordered one in XX/XX/year>. ( Sent order history from XXXX ). This charge was in XXXXXXXX XXXX XXXX. I did not even have a TV in XXXX XXXX XXXX, why would I order XXXX XXXX Even now I only use internet for TV, this charge is not mine.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for refusing to provide written documentation of its policies regarding identity protection for minors and for obstructing my ability to escalate a legitimate consumer dispute. 

On XX/XX/XXXX, a data breach at XXXX exposed the personal information of thousands of children, including my XXXX child. In response to the breach, XXXX enlisted Experians identity protection services and is offering XXXX years of complimentary coverage to affected students and educators. 

On XX/XX/XXXX, I contacted Experian to request an extension of identity protection for my child. During this call, Experian representatives : Stated that XXXX authorized a XXXX limit on identity protection services. 
Refused to provide written confirmation of this claim, preventing me from obtaining official documentation. 

Refused to escalate my complaint to a supervisor or internal dispute resolution process. 
Confirmed that Experian has no publicly available contact for handling regulatory inquiries. 

Why This Complaint Is Against Experian ( Not XXXX ) : Experian is the entity managing identity protection, but refuses to document its own policies or confirm XXXX role in writing. 

Without written confirmation from Experian, I can not verify XXXX decision or properly dispute the XXXX limit. 

Experian has blocked all attempts to escalate this issue for further clarification. 

Experians refusal to provide documentation obstructs consumers ability to obtain transparency in how identity protection policies are set. 

Experian is effectively shielding XXXX from accountability while also avoiding responsibility itself. Without a clear, documented policy, parents like myself have no way to challenge the decision or ensure that our childrens identities are properly protected. 

By denying parents written confirmation of their policies, Experian is blocking us from properly disputing their decision and protecting our childrens identities. This not only limits consumer rights but raises serious concerns about Experians compliance with transparency requirements. 

I request that the CFPB investigate Experians refusal to document its policies and determine whether its lack of an escalation process violates consumer protection regulations. 

If Experian is enforcing a policy or refusing to clarify XXXX role, they should be required to provide written confirmation of their statements and allow a valid dispute resolution process. 

Sincerely, XXXX 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 2025-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I see an account on my credit report I have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AK

Complaint narrative:
The accounts are inaccurate as a result of a breach of my information by the XXXX credit bureaus 15 U.S. Code 1692c Communication in connection with debt collection the law limits the situations where the debt collector can communicate with third parties about your debt.

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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Dear to whom it may concern : I recently pulled up my XXXX and XXXX credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( XXXX ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( XXXX ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( XXXX ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company XXXX  days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXX Best Regards, 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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding my experience with Experian and the negative impact it has had on my financial well-being. Over the past few months, I have encountered significant difficulties with their handling of my credit report disputes, which has caused considerable frustration and stress. 

I filed multiple disputes with Experian, seeking resolution for inaccurate information on my credit report. Despite my efforts, I have found that their investigations have been neither thorough nor timely, and the responses I received lacked clarity and substance. As a result, I have been left with unresolved issues that have hindered my ability to manage my financial affairs effectively. 

Upon further investigation, I became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which alleges improper handling of consumer disputes and investigations. This legal action resonated deeply with me, as it mirrored my own experience of being inadequately supported by Experian in addressing the errors on my credit report. The CFPB lawsuit outlines how such practices have harmed numerous consumers, causing undue stress and financial difficulties. I believe this lawsuit reflects a systemic issue within the company that has affected a significant number of individuals, myself included. 

The situation has left me feeling powerless and uncertain about the reliability of credit reporting agencies. I trusted Experian to provide accurate information and to respond fairly to my disputes, but my experience has undermined that trust. This has not only affected my credit score but has also contributed to a broader sense of insecurity about my financial future. 

I sincerely hope that the actions being taken by the CFPB will lead to meaningful changes within Experian and the broader credit reporting industry. It is crucial that companies such as Experian are held accountable for their practices to ensure that consumers receive the fair treatment and transparency they deserve. 

Thank you for your attention to this matter. I appreciate the opportunity to share my experience and hope that this will contribute to greater accountability and reform in the industry.

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 2025-03-07 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
They pursued a debt I did not owe all the way to district court where they were forced to make a motion to dismiss their claims with prejudice. They never verified the debt as required by law. They could not produce a bill or name the services provided or which doctors provided them. They also never verified that they had a real relationship with the creditor. 

They are essentially indistinguishable from a scam. They were sloppy and incompetent, filing the same motions with the court twice and using multiple different names for the alleged creditor. It was clear that they dishonestly hoped to try their odds in court to get a judgement or use the proceeding as an intimidation tactic. 

They need to be investigated and fined and/or charged for their borderline criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/1985 Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within XXXX  days or remove the account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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 formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within XXXX  days or remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
FOR OVER A YEAR I HAVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE IS USING MY PEROSNAL INFORMATION TO OBTAIN SERVICES AND GOODS. I'VE UPLOADED SUPPORTING DOCUMENTS TO SUPPORT MY CLAIM AND NOTHING HAS BEEN DONE. I'VE MADE A POLICE REPORT REGARDING THIS MATTER. THERE ARE FRADULENT ACCOUNTS REPORTING UNDER MY CREDIT FILE AND EXPERIAN IS REFUSING TO REMOVE MULTIPLE FRADUELNT ADRESSES BECASUE THEY ARE REPORTING BY CREDITS WHICH ARE ALL FRADULENT. ALL SUPPORTING DOCUMENTS HAVE BEEN PREVIOSULY UPLOADED AND WILL BE UPLOADED AGAIN.

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 2025-03-07 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a claim with Chase XXXX for stolen items and have provided all required documentation. Despite multiple follow-ups and calls, my claim has been unreasonably delayed without a clear resolution timeline. Chase has failed to provide updates, and my repeated requests for escalation to a senior claims XXXX have been ignored. I have made every effort to comply with their process, yet they continue to delay without justification.

Company response to consumer: Closed with monetary relief