vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing a formal complaint against Experian for failing to address a dispute regarding the inaccurate reporting of a bankruptcy on my credit file. XXXX has already removed this bankruptcy from my credit report due to inaccuracies and discrepancies. However, despite disputing this matter with Experian over 60 days ago, I have not received any follow-up or resolution. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to investigate disputes within 30 days and ensure that all reported information is accurate, complete, and verifiable. Experians failure to respond to my dispute is a clear violation of my consumer rights. Additionally, the Consumer Financial Protection Bureau ( CFPB ) enforces protections against unfair and negligent credit reporting practices, which Experian is currently engaging in by ignoring my dispute. 

I am requesting that the CFPB take immediate action to ensure Experian completes their investigation and removes the inaccurate bankruptcy record from my credit file. I have attached supporting documentation, including my original dispute letter, proof of the bankruptcy removal from XXXX, and any prior correspondence with Experian. 

I expect prompt intervention to resolve this matter. Please provide me with updates regarding the status of my complaint and the steps being taken to hold Experian accountable for their failure to comply with federal law. 

Thank you for your time and assistance.

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 2025-02-06 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024

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 2025-02-06 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
XXXX. XXXX XXXX XXXX : ( {$550.00} ) I disputed this account in XXXX of this year when it first appeared on my credit report, as this account being reported is a direct violation of the recent credit reporting law recently passed regarding reporting of medical debts ( Regulation V ). My dispute came back as meeting FCRA requirements, which is false. The bureau also never showed me any documentation from the debt collector proving that it was accurate. 
XXXX. XXXX XXXX : ( {$10000.00} ) I have attempted to dispute this account with the bureau several times due to multiple violations. XXXX XXXX never verified this debt or showed any proof or sent documentation that it was mine. They also violated XXXX and XXXX in the beginning of 2022 during a phone call with an employee where I was told, even after explaining my financial situation due to XXXX, that if I didn't find ' some way to motivate myself to make these payments ' that I would be subject to wage garnishment/possibly being sued in court, even though it even says directly on their website that they can not. I disputed this account with the bureau several times for these reasons but once again it was listed as meeting requirements even though the bureau never showed any proof or documentation of their investigation. 
XXXX. XXXX XXXX XXXX : ( {$500.00} ) This account has been sold to a different group and resold back to this debt collector. I have disputed this account with the bureau as well. It still comes back as meeting FCRA requirements ( even with the other collections group that had possession at one point ) even though it violates fair practices due to being sold and resold. The bureau never provided any proof or documentation of their investigation or proof that I do in fact owe the 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 2025-02-06 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX {$250.00} XXXX XXXX {$770.00} XXXX XXXX {$790.00} i would like these removed off my credit report. I tried disputing this and never received anything back from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX {$250.00} XXXX XXXX {$770.00} XXXX XXXX {$790.00} i would like these removed off my credit report. I tried disputing this and never received anything back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Reached out to LVNV / Resurgent to request debt validation for incorrect information on my credit report in XX/XX/2025. According to XXXX. I requested a detailed list of payment history for this debt, The signed contract guaranteeing I would pay credit debt, I requested verification Id any insurance claims were filed on this debt and lastly I asked for proof that they have the chain of title giving them permission to collect on this debt. They could not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-02-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-06 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX U.S. CXXXX  XXXX ( b ) and XXXX U.S. CXXXX XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate information. Under Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and correct the errors for the following accounts appearing on my credit report : XXXX XXXX  Balance : {$29000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$380000.00}

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2024 Credence resource mailed me a letter ( reference number XXXX ) concerning a debt and provided me with the option to dispute the debt by XX/XX/2024 or they would assume the debt to be correct. However onXX/XX/2024 Credence Resource opened a collection account on my XXXX consumer report. On XX/XX/2024 I mailed credence resource a letter disputing the debt and asking for them to verify the debt. On XX/XX/2024 I also contacted credence resource at XXXX and spoke with XXXX XXXX who told me that it was my responsibility to prove that the debt was not mine. Since I was unable to prove the debt was not mine, XXXX told me that they would continue with their debt collection process. According to the CPFB a debt collector must wait a reasonable amount of time after mailing a letter before reporting any debt to a credit reporting company. In this case, credence resource reported to the credit reporting company, 2 days prior to the date of the notice they mailed me. They also failed to provide me with a validation notice as requested in my response letter and during my phone call with XXXX XXXX. This company has violated XXXX U.S. CXXXX  XXXX and caused harm to my consumer report. I have made the above attempts to resolve this issue with credence resource but they continue to violate my rights. For the above violations listed I am entitled to {$1000.00}. I am requesting that they compensate me and remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all inquiries that were compromised or affected by this breach be immediately blocked and deleted from your records. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any inquiries connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing 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 2025-02-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation