vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: IN

Complaint narrative:
I received information someone had used my identity to open an XXXX  account in my name .I reported it to XXXX  by email and phone and was told they would investigate. Then same day I reported to experian XXXX and XXXX XXXX to freeze my credit and filed a dispute it was fraud on my account and they reported it for numerous months dropping my credit tremendously that flagged my attention to the problem.After filing the complaint or dispute Experian the next day sent the dispute was investigated and it's my account? Litterly the next day? I contacted XXXX again very upset letting them know my credit dropping by over XXXX points and this wasn't my account they needed to look into this immediately they sent me an email which I sent to Experian and they did nothing. Plus it was so hard to file the extra information they made it so hard to connect or to file more information It's still on my account. 3 weeks later I received an email from XXXX  stating the account was fraudulent and not mine they apologized and said they would try to protect my information and suggested I put a credit freeze on my ssi number which I explained I already had one.I was so upset that Experian didn't take time to look into my dispute for fraud they just denied my claim I reported Experian to another agency for nit handling my dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
I had disputed the information from my credit report from XXXX, XXXX, XXXX, but I didn't receive the documents needed to verify accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I was being used with credit score deception repeatedly by this Company that is currently being investigated just as I thought was scamming me out of money monthly. I was very unhappy with this company for repeatedly scamming and falsifying information to make me think they was working on my behalf. I send them a complaint and received no response. this is good news to know that you all have caught these crooks red handed. I am filing this complaint as a Lawsuit for punitive damages, mental anguish, and discrimination because they know my Race/ Ethnicity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my TransUnion & XXXX XXXX report and I noticed some inaccurate information posted on my consumer report : 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 BALANCED {$8100.00} Update/Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC S1681 .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX, XXXX XXXX, I have been a victim of their data breaches, and I demand the following accounts be removed from my credit report. Unless you can provide me with Each and every document I am requesting, XXXX Demand these removals of each account immediately. You have caused me financial distress, mental anguish, and ruined my reputation to obtain credit. Also please provide me with a written XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit reporting agencies are in violation of FCRA : 15 U.S.C. 1681a ( Definitions and rules of construction ).

15 U.S.C. 1681b ( Permissible purposes of consumer reports ).

15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ).

15 U.S.C. 1681e ( Compliance procedures ).

15 U.S.C. 1681s2 ( Responsibilities of furnishers of information ).

Privacy Act of 1974 ( Public Law 93-579 ).

Public Law 90-321 ( 82 Stat. 146 ).

in addition..I am writing to request a detailed list of all entities that have accessed my credit report from your credit bureau, including the names of the parties that requested my credit report and the dates of these inquiries. This request is in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to know who has accessed their credit information.

Furthermore, I request proof of my explicit written consent for each inquiry made on my report. Under 15 U.S.C. 1681b, my credit report may only be accessed for permissible purposes and with my consent, where required. Therefore, I request that you provide me with documentation showing that my consent was obtained prior to each inquiry listed.

Please provide me with the following information : A list of all entities that have accessed my credit report, including names and dates of the inquiries.

Proof of my written consent for each inquiry, including signed authorization forms or other documentation that show my consent to allow these parties to access my credit information.

If applicable, documentation of any permissible purpose under the FCRA for each inquiry.

If any inquiries were made without my consent or without a valid permissible purpose, I request that they be removed from my credit report immediately.

As required by the FCRA, I am entitled to this information, and I expect a response within 30 days of the date of this letter. If the requested information is not provided in full, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
XXXX, Equifax, XXXX XXXX, I have been a victim of their data breaches, and I demand the following accounts be removed from my credit report. Unless you can provide me with Each and every document I am requesting, I Demand these removals of each account immediately. You have caused me financial distress, mental anguish, and ruined my reputation to obtain credit. Also please provide me with a written XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit reporting agencies are in violation of FCRA : 15 U.S.C. 1681a ( Definitions and rules of construction ).

15 U.S.C. 1681b ( Permissible purposes of consumer reports ).

15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ).

15 U.S.C. 1681e ( Compliance procedures ).

15 U.S.C. 1681s2 ( Responsibilities of furnishers of information ).

Privacy Act of 1974 ( Public Law 93-579 ).

Public Law 90-321 ( 82 Stat. 146 ).

in addition..I am writing to request a detailed list of all entities that have accessed my credit report from your credit bureau, including the names of the parties that requested my credit report and the dates of these inquiries. This request is in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to know who has accessed their credit information. 

Furthermore, I request proof of my explicit written consent for each inquiry made on my report. Under 15 U.S.C. 1681b, my credit report may only be accessed for permissible purposes and with my consent, where required. Therefore, I request that you provide me with documentation showing that my consent was obtained prior to each inquiry listed. 

Please provide me with the following information : A list of all entities that have accessed my credit report, including names and dates of the inquiries. 
Proof of my written consent for each inquiry, including signed authorization forms or other documentation that show my consent to allow these parties to access my credit information. 
If applicable, documentation of any permissible purpose under the FCRA for each inquiry. 
If any inquiries were made without my consent or without a valid permissible purpose, I request that they be removed from my credit report immediately. 

As required by the FCRA, I am entitled to this information, and I expect a response within 30 days of the date of this letter. If the requested information is not provided in full, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was n

ever late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I have asked the 3 different credit bureaus to verify information that I have labeled as inaccurate and I have not been sent any verification info or info in general showing that this the account from XXXX XXXX is owed by me or my responsibility to pay and I have been disputing this information or the past 3 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
My information was exposed in a data breach and to the dark web per my credit report. The only accounts I have is car note, and two credit cards. It has other people name connect to my social security number. With different addresses and phone numbers that are 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 non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
My information was exposed in a data breach and to the dark web per my credit report. The only accounts I have is car note, and two credit cards. It has other people name connect to my social security number. With different addresses and phone numbers that are 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 2025-01-08 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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