vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has refused to accept my valid disputes on multiple occasions. I have sent in several letters through the mail. I have submitted a complaint online and most recently I filed a formal FTC affadative with Experian. They are refusing to block and remove the information from my report. The response to the mailed letters is that they don't believe they are valid- even though I signed them and attached XXXX forms of ID. Then I was told my FTC Complaint did not pass their internal investigation therefore they were going to treat it like a traditional dispute and not an identity theft. When I ask them why they tell me they do not disclose their internal procedures. 
I spoke with XXXX in the Experian Special Services and XXXX in the Escalation department. 

I asked to be transferred to someone who could help and they told me I had been transferred once and they wouldn't be transferring me again. 

They have incorrect fraudulent information on my report and they refuse to remove it.

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 2025-01-13 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
my identity was used to open a XXXX ACCOUNT XXXX XXXX AMOUNT OF XXXX I HAVE ATTACHED A FTC THEFT REPORT PER THE FCRA THIS SHOULD BE REMOVED AS IT WAS OPEN BY IDENTITY THEFT

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 2025-01-13 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: MO

Complaint narrative:
Issue : Failure to properly investigate credit report errors and misrepresentation of account status by Equifax Company : Equifax Complaint Type : Credit reporting issues Complaint Description I am writing to file a formal complaint against Equifax for failing to properly investigate my credit report errors and allowing the re-addition of deleted items, re-aging of an account, and continuous balance increases on a charged-off account. These actions have significantly harmed my credit score, my character, and my ability to acquire credit and housing. 

These issues have been ongoing ; however, despite previous attempts to make notice of the clear violations of my rights per the FCRA, nothing has been done. Additionally, I have an account that has been re-agedthis account was charged off and closed, yet it continues to show balance increases and opens and closes repeatedly, creating confusion and damaging my credit standing, as well as a charged-off account that has been paid off that should reflect PAID AND {$0.00} BALANCE that has been reinserted across the bureaus. 

I have made repeated attempts to resolve these issues by contacting Equifax, but despite this, the problems persist. I am particularly concerned that Equifax 's failure to properly investigate these discrepancies is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a direct result of the type of " sham investigations '' detailed in recent reports ( such as the Consumer Financial Protection Bureau 's legal action against XXXX ). The failure to correct these inaccuracies has significantly tarnished my credit, negatively affecting my financial well-being and defaming my character. 

The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

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 2025-01-13 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: FL

Complaint narrative:
I reviewed my Consumer Reports and notice I had two late payments on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXX XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.

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 2025-01-13 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 reviewed my Consumer Reports and notice I had two late payments on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXXXXXX XXXX XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CT

Complaint narrative:
On my last statement with Elan Financial Services, XX/XX/year>, I was informed that my credit card account was closed. When speaking with Elan I was informed that the account was turned over to a debt management company. There is no balance on the account and it has always been paid on time and in full, I never provided any form of consent or requested the service. Regardless, I was informed that I had to speak to the law firm handling the account. I spoke to both the debt management company as well as XXXX XXXX XXXX, both had no record at all with my name or information. I once again called Elan Financial who refused to offer assistance stating again that I had to work with the law firm, even though I made it clear that they do not have any of my information and can not assist. Elan informed me that there is a thorough process when an account is turned over, they claim they have documents provided by the law firm signed by me. However as I stated the law firm has no record. I want this record cleared as I have no financial distress and I do not want this recorded, in addition I would like the account reinstated.

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 2025-01-13 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute letter dated XX/XX/XXXX. Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation. 
Additionally, under the FCRA Section XXXX, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly. 
To reiterate, the disputed items are 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act list of accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 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 XXXXXXXX All Accounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

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 2025-01-14 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:
In accordance with the Fair Credit Reporting Act list of accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 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 XXXXXXXX All Accounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year>

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 2025-01-13 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 certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-14 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting and Mishandled Disputes To : XXXX and Consumer Financial Protection Bureau To Whom it may Concern, I am writing to formally file a complaint regarding XXXX 's inaccurate reporting of three accounts on my credit report and their mishandling of my disputes concerning these inaccuracies. Despite my repeated efforts to resolve these issues through the dispute process, XXXX has verified the accounts without conducting proper investigations as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically, my concerns include : 1. Failure to Conduct Reasonable Reinvestigations : XXXX has repeatedly failed to adequately investigate my disputes, often marking them as " verified '' without proper evidence or analysis. 


2. Inadequate Communication : XXXX has not provided clear or accurate explanations of the results of their investigations, leaving me uncertain about the status of my disputes.

3. Violation of FCRA Guidelines : XXXX 's actions contradict their obligation to ensure maximum possible accuracy and to conduct thorough reinvestigations as mandated under FCRA sections 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

I have attached the details of the three accounts in question for your review and resolution. 

XXXX XXXX  # XXXX - Violation of 15 USC 1666b and 1681-s2 XXXX XXXX XXXXXXXX XXXX XXXX - Violation of 15 USC 1666b and 1681- s2 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Violation of 15 USC 1666b and 1681 -s2 I respectfully request that XXXX : 1. Conduct a thorough and impartial reinvestigation of the accounts listed.

2. Provide a detailed explanation of their findings, including any evidence used to verify the disputed accounts. 


3. Remove any inaccurate information that can not be verified. 



If these issues are not resolved promptly, I will pursue further action to protect my rights under federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting and Mishandled Disputes To : Experian and Consumer Financial Protection Bureau To Whom it may Concern, I am writing to formally file a complaint regarding Experian 's inaccurate reporting of three accounts on my credit report and their mishandling of my disputes concerning these inaccuracies. Despite my repeated efforts to resolve these issues through the dispute process, Experian has verified the accounts without conducting proper investigations as required under the Fair Credit Reporting Act ( FCRA ).

Specifically, my concerns include : 1. Failure to Conduct Reasonable Reinvestigations : Experian has repeatedly failed to adequately investigate my disputes, often marking them as " verified '' without proper evidence or analysis.

2. Inadequate Communication : Experian has not provided clear or accurate explanations of the results of their investigations, leaving me uncertain about the status of my disputes. 


XXXX. Violation of FCRA Guidelines : Experian 's actions contradict their obligation to ensure maximum possible accuracy and to conduct thorough reinvestigations as mandated under FCRA sections 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

I have attached the details of the three accounts in question for your review and resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX - Violation of 15 USC 1666b and 1681-s2 XXXX XXXX XXXX XXXX XXXX - Violation of 15 USC 1666b and 1681- s2 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Violation of 15 USC 1666b and 1681 -s2 I respectfully request that Experian : 1. Conduct a thorough and impartial reinvestigation of the accounts listed.

2. Provide a detailed explanation of their findings, including any evidence used to verify the disputed accounts.

3. Remove any inaccurate information that can not be verified.

If these issues are not resolved promptly, I will pursue further action to protect my rights under federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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