vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Consumer Complaints XXXX XXXX XXXX XXXX  XXXX DC XXXXXXXX XXXXSubject : Urgent Formal Complaint Against Experian Information Solutions IncXXXX To Whom It May Concern, I am compelled to submit an urgent formal complaint against Experian Information Solutions Inc. due to their blatant failure to accurately report my credit information and their grossly inadequate handling of my disputes. Given the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), it is painfully clear that Experian continues to violate consumer rights and the Fair Credit Reporting Act ( FCRA ) with impunity.

Despite providing comprehensive documentation proving that my rent is paid and current, Experian has stubbornly refused to correct my credit report, which erroneously shows my account as " closed. '' This distortion is not just a minor inconvenience ; it has severely damaged my creditworthiness, jeopardizing my access to credit, employment, and housing. 

Moreover, I am appalled to report that my XXXX XXXX XXXX account, which has been paid in full, closed, and never late, has been deleted from my credit report. This reckless action has further shortened my credit history and is indicative of Experian 's ongoing negligence. Attached is a letter from XXXX XXXX confirming that Experian is responsible for this erroneous reporting. The CFPB 's lawsuit highlights serious concerns about Experian 's failure to " reasonably reinvestigate '' consumer disputes and their pattern of conducting superficial investigations. My experience aligns precisely with these claims, as my attempts to provide evidence have been met with dismissive, unhelpful responses. Their lack of transparency and refusal to forward relevant information to furnishers is unacceptable and must be addressed. 

I demand that the CFPB take immediate and decisive action against Experian to hold them accountable for their blatant disregard for consumer protections. It is imperative that they are compelled to comply with the FCRA and overhaul their dispute resolution processes to prevent further harm to consumers like myself. 

Thank you for your urgent attention to this matter. I expect a prompt response regarding the actions that will be taken to address my complaint against Experian and to ensure they are held accountable for their egregious practices. 

Sincerely, CFPB EXPERIANS NOT REPORTING ACCURATE 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 2025-02-26 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: MS

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 2025-02-26 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: MS

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 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Regarding my complaint, XXXX, of an escrow refund of {$270.00}, I need to file a new complaint. I received a check of {$270.00} vis XXXX on XXXX and cashed the check at my local bank on XX/XX/XXXX. On XXXX XXXX I received another check of {$270.00} via XXXX ; needless to say I recognize the mistake and had no intention of cashing the check, however, on XX/XX/XXXX a " returned iem '' of {$270.00} was listed on my personal checking account without any notifcation to me. XXXX how the banking system backs each other up. Luckily I didn't shred the second {$270.00} check and will be depositing it in my bank account today. Such gross incompentence and backs up my statement of how quick Wells Fargo acts when it's a deficient on their account but slow running molasses to correct my account. I'm certain when I deposit my refund check today that it will be returned to Wells Fargo due to said gross incompentence. I'm tired of having to monitor my account so intently.

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 2025-02-26 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Consumer Complaints XXXX XXXX XXXX XXXX XXXX DC XXXX **Subject : Urgent Formal Complaint Against Experian Information SolutiXXXX XXXXXXXX To Whom It May Concern, I am compelled to submit an urgent formal complaint against Experian Information Solutions Inc. due to their blatant failure to accurately report my credit information and their grossly inadequate handling of my disputes. Given the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), it is painfully clear that Experian continues to violate consumer rights and the Fair Credit Reporting Act ( FCRA ) with impunity.

Despite providing comprehensive documentation proving that my rent is paid and current, Experian has stubbornly refused to correct my credit report, which erroneously shows my account as " closed. '' This distortion is not just a minor inconvenience ; it has severely damaged my creditworthiness, jeopardizing my access to credit, employment, and housing. 

Moreover, I am appalled to report that my XXXX XXXX XXXX account, which has been paid in full, closed, and never late, has been deleted from my credit report. This reckless action has further shortened my credit history and is indicative of Experian 's ongoing negligence. Attached is a letter from XXXX XXXX confirming that Experian is responsible for this erroneous reporting. The CFPB 's lawsuit highlights serious concerns about Experian 's failure to " reasonably reinvestigate '' consumer disputes and their pattern of conducting superficial investigations. My experience aligns precisely with these claims, as my attempts to provide evidence have been met with dismissive, unhelpful responses. Their lack of transparency and refusal to forward relevant information to furnishers is unacceptable and must be addressed. 

I demand that the CFPB take immediate and decisive action against Experian to hold them accountable for their blatant disregard for consumer protections. It is imperative that they are compelled to comply with the FCRA and overhaul their dispute resolution processes to prevent further harm to consumers like myself. 

Thank you for your urgent attention to this matter. I expect a prompt response regarding the actions that will be taken to address my complaint against Experian and to ensure they are held accountable for their egregious practices. 

Sincerely, CFPB HERES AN Attached letter FROM 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 2025-02-26 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MA

Complaint narrative:
I am writing to formally express my disappointment with Experians failure to remove inaccurate and unfair negative items from my credit report. Despite my repeated disputes and requests for verification, Experian has refused to remove the following items, which are severely impacting my creditworthiness : Collection Agency Charges These items remain on my report despite my attempts to dispute them as inaccurate. Experian has not provided sufficient evidence to validate their legitimacy. 
XXXX Account This account should not be on my report due to [ explain reason, e.g., it was paid off, settled, or reported incorrectly ]. However, Experian has refused to take corrective action. 
Late Payment Account The reported late payments are either incorrect or do not reflect the true history of my account. I have submitted disputes, yet Experian continues to uphold these inaccuracies without proper validation. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, outdated, or unverifiable. If Experian can not verify these accounts with concrete evidence, they are legally required to remove them. However, my attempts to correct these discrepancies have been ignored or dismissed without proper justification. 

I request the CFPB to investigate Experians handling of my disputes and ensure compliance with federal laws. I also request that these disputed items be thoroughly reviewed and, if found unverifiable, be removed from my credit report immediately. 

Thank you for your time and assistance in this matter. I appreciate your help in ensuring fair and accurate credit reporting.

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 2025-02-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00} XXXX XXXX XXXX XX/XX/XXXX {$54000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$510.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked Equifax to investigate my dispute & verify ownership. No documents were provided to indicate how the information was properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MA

Complaint narrative:
I am writing to formally express my disappointment and frustration with Equifaxs failure to remove inaccurate and unfair items from my credit report. Despite my previous disputes and requests for correction, Equifax has not taken the necessary action to remove the collection agency charges, charge-off account, and late payment records that are unfairly impacting my creditworthiness. 

I have submitted multiple disputes providing sufficient evidence that these items are either inaccurate, outdated, or unfairly reported. However, Equifax has failed to conduct a thorough investigation or provide a valid reason for their refusal to remove these damaging items. This negligence not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to access fair financial opportunities. 

I request immediate action to review my dispute again and remove these accounts from my credit report. If Equifax fails to correct these errors, I will have no choice but to escalate this matter further, including filing formal complaints with the appropriate regulatory authorities. 

I expect a prompt response and resolution to this matter. Please confirm receipt of this complaint and provide an update on the steps being taken to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I was alarmed to see incorrect accounts on my credit report this morning, and I have no idea how they appeared. I frequently check my report, and everything was normal until today when I noticed these discrepancies. Hoping it was just a temporary error, I refreshed my browser, but the accounts remained. Given this issue, I urge you to carefully review the documents I have submitted so that I no longer have to deal with this concern.

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 2025-02-26 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered incorrect accounts appearing on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. Thinking it might be a glitch, I refreshed my browser, but the errors remained. Since the inaccurate accounts did not disappear, I kindly request a thorough review of the documents I have provided so that I no longer have to worry about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

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