vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VQ XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Experian, a consumer reporting agency, for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to uphold my rights as a consumer. Despite my repeated attempts to resolve issues with my consumer report, Experian has exhibited gross negligence in handling my disputes, leading to significant distress and inconvenience. 

I submitted disputes regarding inaccurate information on my credit report. I provided all necessary documentation to support my claim, as required by the FCRA. However, rather than conducting a thorough and fair reinvestigation, Experian has continually requested additional identification and documentation, often ignoring the materials I have already supplied. This frustrating and unnecessary back-and-forth has not only delayed the resolution of my dispute but has also damaged my creditworthiness. 

According to 15 U.S.C. 1681i, Experian is obligated to conduct a " reasonable reinvestigation '' and report the results in a timely manner. Instead, they have failed to communicate effectively with the original furnishers of the disputed information and have not adhered to the mandated timelines. This pattern of behavior suggests a systemic issue within Experian 's dispute resolution process that undermines consumer rights. 

I urge the CFPB to take immediate action against Experian for their failure to comply with the FCRA. I request that you investigate this matter thoroughly and hold Experian accountable for their actions, as this is not just an isolated incident but a troubling trend that affects many consumers. 

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

Sincerely,

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX XXXX : Demand for Immediate Removal of Child Support Obligations and Negative Credit Accounts To Whom It May Concern, I am the living man writing to express my vehement objection to the continued imposition of child support obligations as well as the presence of closed or negative accounts on my credit report, which I firmly believe are unjust and detrimental to my financial well-being. The negative impact these obligations and accounts have on my credit profile Account number [ XXXX ] is unacceptable, and I demand immediate action to rectify this situation. 

1. Child Support Obligations : The current child support obligations against my name are not only burdensome but are also unfounded based on the circumstances surrounding my case. I have consistently fulfilled my responsibilities, and any discrepancies should be reviewed and rectified. The continuation of these obligations is not only unjust but also detrimental to my financial stability and overall quality of life. 

2. Closed and Negative Accounts : I have recently discovered that several closed and negative accounts remain on my credit report, severely impacting my credit score. These accounts were either settled, paid off, or are inaccurately reported. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The failure to remove these inaccuracies constitutes a violation of my rights under the FCRA.

3. Demand for Removal : I hereby demand the immediate removal of all child support obligations and any closed or negative accounts that are inaccurately reported on my credit profile, XXXX, TransUnion, and XXXX. I expect a prompt response to this request, as my financial future hangs in the balance due to the unfair treatment I have received. 

4. Legal Action : If my demands are not met within 30 days, I am prepared to take legal action against all parties involved, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages resulting from the negligence and unfair practices that have led to this situation.

I expect your immediate attention to this matter and look forward to your prompt acknowledgment of this letter. Please take this opportunity to rectify these issues before further action becomes necessary. 

Sincerely, By : XXXX XXXX XXXXXXXX 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Demand for Immediate Removal of Child Support Obligations and Negative Credit Accounts To Whom It May Concern, I am the living man writing to express my vehement objection to the continued imposition of child support obligations as well as the presence of closed or negative accounts on my credit report, which I firmly believe are unjust and detrimental to my financial well-being. The negative impact these obligations and accounts have on my credit profile Account number [ XXXX ] is unacceptable, and I demand immediate action to rectify this situation. 

XXXX. Child Support Obligations : The current child support obligations against my name are not only burdensome but are also unfounded based on the circumstances surrounding my case. I have consistently fulfilled my responsibilities, and any discrepancies should be reviewed and rectified. The continuation of these obligations is not only unjust but also detrimental to my financial stability and overall quality of life. 

XXXX. Closed and Negative Accounts : I have recently discovered that several closed and negative accounts remain on my credit report, severely impacting my credit score. These accounts were either settled, paid off, or are inaccurately reported. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The failure to remove these inaccuracies constitutes a violation of my rights under the FCRA. 

XXXX. Demand for Removal : I hereby demand the immediate removal of all child support obligations and any closed or negative accounts that are inaccurately reported on my credit profile, XXXX, XXXX, and Equifax. I expect a prompt response to this request, as my financial future hangs in the balance due to the unfair treatment I have received. 

XXXX. Legal Action : If my demands are not met within 30 days, I am prepared to take legal action against all parties involved, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages resulting from the negligence and unfair practices that have led to this situation. 

I expect your immediate attention to this matter and look forward to your prompt acknowledgment of this letter. Please take this opportunity to rectify these issues before further action becomes necessary. 

Sincerely, By : XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been checking my credit reports since XXXX and for some reason the reports have not been updated and my scores have not been updated. When I login to XXXX, it says, " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I am attaching my identifying documents to verify my identity. How can I make XXXX this information is correct?

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been checking my credit reports since XXXX and for some reason the reports have not been updated and my scores have not been updated. When I login to XXXX, it says, " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I am attaching my identifying documents to verify my identity. How can I make Sure this information is correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX XXXX/AccountNumber : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
XXXX. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

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 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of XXXX  by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : ABSOLUTE RESOLUTIONS INV Address : XXXX XXXX XXXX XXXX # XXXX XXXX, MN XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX, TX XXXX Dear Absolute Resolutions Investments, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CURO Intermediate Holdings
State: MS

Complaint narrative:
Account is paid off and the account is showing closed which made my credit report go down over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX  XXXX : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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 identity theft. There are several inquiries and accounts that dnt belong to me. I didnt authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
I am a victim of identity theft. There are several inquiries and accounts that dnt belong to me. I didnt authorize

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 2025-01-12 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: MD

Complaint narrative:
I sent the letter in to all three credit rules to have the situation resolved. No one result. No one respond.

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 2025-01-12 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: MD

Complaint narrative:
I sent the letter in to all three credit rules to have the situation resolved. No one result. No one respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

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