vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the law.

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 2025-02-19 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 am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX XXXX & XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IN

Complaint narrative:
I have noticed multiple accounts opened on my consumer report that I have know knowledge of. Ive noticed these Fraudulently accounts recently. 
I have reached out to both companies asking to provide me with an original Contract or an agreement proving we had business relations they both failed to Validate debt. 

The companies are 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 non-monetary relief
Consumer complaint received 2025-02-19 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: TX

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 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 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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've been a loyal Amex customer for over 11 years. Yet on XX/XX/year>, without ANY warning or attempt to discuss with me first, American Express cancelled all of my cards ON THE DAY OF MY FLIGHT, which I had booked with an Amex card. Not only was this unbelievably discourteous and unprofessional, Amex nearly stranded me in a foreign country, as foreign airlines often require payment card validation at the check-in counter. 

When I called Amex to inquire about my card cancellations, they simply told me that the cancellations had already been processed and that there was nothing I could do about it : no option to discuss or reconsider. That's it. 

As for why Amex cancelled my card, Amex said that it was simply due to a returned auto-payment that I swear I did not even authorize. I had previously manually disabled autopay on all of my accounts and even contacted support to disable autopay and align my due dates, yet somehow an autopay still occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NC

Complaint narrative:
Recently XXXX XXXX has been granted our personal student loans information regarding XXXX recipients including myself. I wanted to personally file a complaint because this not only violates my personal data bylaws, but also deeply concerns me because it is not something that should be shared with them to begin with. This needs to be stopped and swift action must be taken in order to discontinue the illegal use of our personal student loan information. If we must sue in order for our demands be met then we will do so accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 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 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 2025-02-19 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: OH

Complaint narrative:
While trying to deal with a debt collection company portfolio recovery I requested some very important information front the representative from the legal department that i was talking to who did not have or know what the 15 USC 1692 G was? Than when I went on to request my debt validation to include 1. Detailed list of payments for the original account 2. Forward flow agreement 3 want the original agreement with my signature validating I am responsible for the debt 4. Any insurance claims filed on this debt 5. Proof of chain of title to collect the debt This information is vital to proofing this is a accurate valid debt and for me to verify that this debt is accurately mine not a fraudulent account possibly opened by someone else.

As you can see from the uploaded file on my credit report that it is showing a open account which is completely incorrect the account has been closed for years that alone is enough to show the information they are reporting is incorrect.

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 2025-02-19 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: IL

Complaint narrative:
Experian, Equifax, and TransUnion Demand for Immediate Action To Whom It May Concern, I am filing this formal complaint against Experian, Equifax, and TransUnion due to their repeated failure to accurately report my credit information, respond appropriately to disputes, and adhere to the Fair Credit Reporting Act ( FCRA ). Their negligence has caused undue financial harm, and I demand immediate corrective action. 

Violations Committed by the Credit Bureaus : 1. Failure to Correct Inaccuracies : Despite submitting multiple disputes with supporting documentation, all three bureaus continue to report false and misleading information, negatively impacting my creditworthiness.

2. Lack of Proper Investigation : It is evident that my disputes have not been thoroughly investigated, as errors remain unchanged, violating my rights under the FCRA.

3. Failure to Provide Proper Documentation : The bureaus have failed to supply verification of the disputed accounts or valid proof of the reported debts, further demonstrating their noncompliance with federal regulations. 
4. Obstruction and Delayed Responses : I have experienced excessive delays, lack of communication, and outright dismissal of my disputes, which is unacceptable.

Demand for Immediate Resolution : I demand that Experian, Equifax, and TransUnion take the following actions without delay : Remove all inaccurate, unverifiable, and outdated information from my credit report immediately. 
Provide detailed documentation proving the validity of any disputed accounts that remain. 
Ensure full compliance with the FCRA and cease any further negligent reporting that damages my financial standing. 

Failure to address these violations will result in escalated legal action, complaints to additional regulatory bodies, and potential litigation. I expect a formal written response within 15 days, as required by law. 

This is not a requestit is a demand. I expect immediate corrective action, or I will pursue all available remedies to hold these bureaus accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-02-19 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: IL

Complaint narrative:
Experian, Equifax, and TransUnion Demand for Immediate Action To Whom It May Concern, I am filing this formal complaint against Experian, Equifax, and TransUnion due to their repeated failure to accurately report my credit information, respond appropriately to disputes, and adhere to the Fair Credit Reporting Act ( FCRA ). Their negligence has caused undue financial harm, and I demand immediate corrective action. 

Violations Committed by the Credit Bureaus : 1. Failure to Correct Inaccuracies : Despite submitting multiple disputes with supporting documentation, all three bureaus continue to report false and misleading information, negatively impacting my creditworthiness.

2. Lack of Proper Investigation : It is evident that my disputes have not been thoroughly investigated, as errors remain unchanged, violating my rights under the FCRA.

3. Failure to Provide Proper Documentation : The bureaus have failed to supply verification of the disputed accounts or valid proof of the reported debts, further demonstrating their noncompliance with federal regulations. 
4. Obstruction and Delayed Responses : I have experienced excessive delays, lack of communication, and outright dismissal of my disputes, which is unacceptable.

Demand for Immediate Resolution : I demand that Experian, Equifax, and TransUnion take the following actions without delay : Remove all inaccurate, unverifiable, and outdated information from my credit report immediately. 
Provide detailed documentation proving the validity of any disputed accounts that remain. 
Ensure full compliance with the FCRA and cease any further negligent reporting that damages my financial standing. 

Failure to address these violations will result in escalated legal action, complaints to additional regulatory bodies, and potential litigation. I expect a formal written response within 15 days, as required by law. 

This is not a requestit is a demand. I expect immediate corrective action, or I will pursue all available remedies to hold these bureaus accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date of XXXX SS # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/year> Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry:XXXX Please remove it from my credit report. 







I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.

It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided.

Also, send a copy of the updated report to all who inquired on my credit in the last 6 months.

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, 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
Consumer complaint received 2025-02-19 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: NE

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-19 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: NE

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have 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 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 2025-02-19 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: 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, 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 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 2025-02-19 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief