vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these inquiries does not belong 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information on my credit reports with Equifax, TransUnion, and Experian, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA entitles me to dispute incomplete or inaccurate information on my credit reports and requires credit reporting agencies to correct or delete any information they can not verify. I have identified the following erroneous accounts on my credit reports, which must be removed These inaccuracies are in direct violation of the FCRA, which mandates that all items reported on my credit reports be accurate and verifiable. The continued reporting of these erroneous accounts is causing undue harm to my credit score and financial wellbeing.

I have enclosed copies of my credit reports highlighting the inaccuracies, as well as supporting documentation that clearly demonstrates the errors. I kindly request that the CFPB enforces the following actions : Immediate investigation into the disputed accounts. 

Removal of the inaccurate information from my credit reports with Equifax, TransUnion, and Experian. 

Notification to me of the results of the investigation and subsequent actions taken, in compliance with the FCRA. 

Failure to correct these inaccuracies within the timeframe specified by the FCRA ( 30 days ) will compel me to pursue all available legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages in a court of law. 

Please confirm receipt of this letter and provide updates on the progress of your investigation. If you require any further information, do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this serious 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information on my credit reports with Equifax, TransUnion, and Experian, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA entitles me to dispute incomplete or inaccurate information on my credit reports and requires credit reporting agencies to correct or delete any information they can not verify. I have identified the following erroneous accounts on my credit reports, which must be removed These inaccuracies are in direct violation of the FCRA, which mandates that all items reported on my credit reports be accurate and verifiable. The continued reporting of these erroneous accounts is causing undue harm to my credit score and financial wellbeing.

I have enclosed copies of my credit reports highlighting the inaccuracies, as well as supporting documentation that clearly demonstrates the errors. I kindly request that the CFPB enforces the following actions : Immediate investigation into the disputed accounts. 

Removal of the inaccurate information from my credit reports with Equifax, TransUnion, and Experian. 

Notification to me of the results of the investigation and subsequent actions taken, in compliance with the FCRA. 

Failure to correct these inaccuracies within the timeframe specified by the FCRA ( 30 days ) will compel me to pursue all available legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages in a court of law. 

Please confirm receipt of this letter and provide updates on the progress of your investigation. If you require any further information, do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this serious 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I bought a 1 year CD on XX/XX/year>. The CD was automatically renewed this year for one year with no ability to opt out of the CD on their website. The only want to opt out is to call their service desk within in 10 days of the renewal as Citizens Access bank is an ONLINE ONLY bank even thought it is a subsidiary of Citizens Bank. I called them on XX/XX/XXXX when I realized they automatically renewed to see about cancelling the CD. They immediately wanted {$600.00} to cancel the CD and said it was part of their online disclosure. It was escalated to two supervisors and their internal team would not wave the {$600.00} fee. This is a deceptive practice to lock their customers money into their bank. I am currently taking the action of removing my savings account from this bank and informed them I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I wrote Resurgent Capitol Services in XXXX And and asked them to verify an account they have listed On my credit report by sending me the original documents that have my signature on it. Binding me to that account, they replied. 
In a letter that is dated XXXX, the XXXX XXXX, with A blank contract. It's just a template for a loan agreement and promissory note from what is labeled. The XXXX XXXX XXXX. There aren't any dates, signatures or Amounts on the contract that they sent. 
Per the Fair credit report act, this is not proper verification Of me owing any debt to the their company?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My checking account was hack and there were two unauthorized CH transaction to XXXX and XXXX XXXX. 
The fund was deduct from my chase account by fraudulent activity. Chase refuse to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Inaccurate information is being reported with this account. I've contacted the credit bureaus however they said it's accurate. Please do a thorough investigation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hi I'm reporting identity theft and would like accounts closed in my name nothing on my credit report related to any of my transactions. I contacted other bureaus and asked that they remove account closed and or deleted. I reported this information 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
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing past and present. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: LA

Complaint narrative:
As of today 's date XX/XX/XXXX my credit karma account is showing updates as of XX/XX/XXXX. The application normally updates monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) continues : Additionally, a person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer must provide complete and accurate information. If the information furnished is found to be incomplete or inaccurate, the furnisher must promptly notify the consumer reporting agency of the corrections or updates that need to be made.

This section is part of the Fair Credit Reporting Act ( FCRA ), which is designed to promote accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It places obligations on those who furnish information to consumer reporting agencies to ensure the information is correct and to correct any inaccuracies that are discovered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ Late payments XXXX. XXXX ], [ XXXX ]. The late payment ( XXXX ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ Late payments XXXX. XXXX ], [ XXXX ]. The late payment ( XXXX ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( Fcra ), Which Mandates Credit Reporting Agencies To Maintain Complete And Accurate Information And Investigate Consumer Disputes In A Timely Manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I opened three ( 3 ) Student Loans with XXXX in XX/XX/XXXX. These student loans where transferred over to XXXX  on XXXX of XXXX and I received a welcome letter from them. 

Advantage who currently reporting to the credit reporting agency ( Experian, XXXX, XXXX ) shows 90 day late payments in XXXX XXXX for each of the student loan accounts I contacted XXXX who had the loan at the time of the late payments and requested documentation as proof of the late payments they reporting on my credit file in XX/XX/XXXX. XXXX stated they do not have any documentation and they no longer serving the loans. 

I contacted XXXX  in reference to the late payments, they stated they acquired the loan in XXXX of XXXX and they have no documents of the loan payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested that I only have one Name One Address and one phone number, remove the other 25 addresses other five Names and other phone numbers. And any other inaccurate information I disputed years ago and still on my report. They refused to remove information and inaccuracy. 
My true name and address : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief