vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I am writing to formally request the immediate removal of a charge-off entry from my credit report within 4 businesses days which appears to have been reported inaccurately and in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), along with other applicable laws. Specifically, I am referencing violations of 15 USC 1601, 15 USC 6801, and 15 USC 6802, which govern the privacy and accuracy of credit reporting and information management. Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX As stated in 15 USC 1601, the purpose of the Truth in Lending Act is to promote the informed use of consumer credit, ensuring transparency and fairness in the reporting and assessment of credit information. The charge-off in question does not reflect my accurate credit history and, therefore, is in violation of this acts consumer protection standards.

Furthermore, as outlined in 15 USC 6801 and 15 USC 6802, financial institutions are required to establish and maintain proper privacy protections for consumers. The inaccurate reporting of this charge-off violates my rights under these statutes, as it improperly discloses information about my credit status that may not be accurate or in compliance with the law. These sections further stipulate that unauthorized or inaccurate reporting of personal financial data is prohibited. 

I kindly request that you thoroughly investigate this charge-off entry and remove it from my credit report if it is determined that the reporting does not meet the requirements set forth by the aforementioned laws. In addition, should you find that the charge-off is accurate but still being reported incorrectly or beyond its legally permitted time frame, I request that you take the necessary action to correct or delete the entry accordingly. 

Please inform me promptly of the actions taken in response to this request, and do not hesitate to contact me should additional information or documentation be required. I trust that this matter will be resolved in compliance with federal law and in a timely manner. 

Thank you for your immediate attention to this issue.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Violation of the Fair Credit Reporting Act ( FCRA ) by Experian Details of the Complaint : On XX/XX/2024, I sent Experian a packet containing seven credit disputes. I have a certified mail receipt confirming that Experian received the correspondence. After realizing that I had not included necessary identification documents ( a copy of my driver 's license, social security card, and proof of residency ), I promptly sent a new packet containing the same disputes, this time including the required documents ( a copy of my driver 's license, social security card, and voters registration card ). The second packet was sent on XX/XX/2024, and USPS Tracking Number XXXX confirms that Experian received it on XX/XX/2024. Despite these actions, Experian failed to initiate or complete an investigation into my disputes within the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). I tried several times to contact Experian by phone, however their automated system makes it impossible to speak with someone or inquire about disputes. Under the FCRA, Experian is obligated to investigate consumer disputes in a timely manner. If Experian can not verify the accuracy of the disputed information, it must delete the items from my credit report. Experian failure to comply with this legal requirement has left inaccurate negative information on my credit profile, causing significant harm. Impact of the Violation : Experian 's negligence has resulted in negative and inaccurate information remaining on my credit report. This failure has directly impacted my ability to access credit and secure housing, as lenders and landlords rely heavily on accurate credit reporting to make decisions. The presence of this false information has caused undue stress, financial hardship, and a diminished quality of life, which could have been avoided had Experian honored its obligations under the FCRA.

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 2025-01-28 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-28 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: GA

Complaint narrative:
I am formally requesting the immediate deletion of the fraudulent XXXX account ( # XXXX ) from my TransUnion credit report. This account is inaccurate, unverifiable, and illegally reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). TransUnion has failed to ensure the accuracy of my credit information as required by FCRA 1681e ( b ), which has resulted in misleading and conflicting data being reported on my credit file. 

There are several inconsistencies and inaccuracies with this account that violate federal law. The Date of Last Activity is reported differently across credit bureaus, with TransUnion listing it as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. This suggests illegal re-aging of the debt, which is a violation of FCRA 605 ( c ). Additionally, TransUnion incorrectly lists this account as " open, '' while XXXX and XXXX report it as closed. Such discrepancies create a misleading representation of my financial obligations. Furthermore, despite my dispute, TransUnion continues to report the account as derogatory and unresolved, suppressing my dispute rights and violating FCRA 1681s-2 ( a ) ( 1 ) ( B ).

TransUnion has also failed to conduct a proper reinvestigation as required under FCRA 1681i ( a ). Although I previously disputed this account, TransUnion misleadingly reports it as dispute resolved ; reported by grantor, even though no proper validation has been provided. XXXX has failed to produce any signed contract or legal documentation proving that I owe this debt, which is a direct violation of FDCPA 1692g, requiring debt collectors to validate debts upon request. Additionally, FCRA 1681c ( a ) ( 3 ) prohibits credit bureaus from reporting disputed and unverified information, yet TransUnion continues to do so, further damaging my creditworthiness. 

I have no contractual obligation with XXXX, and TransUnion has failed to provide any legal validation for this account. If this account is not immediately deleted, I will pursue legal action for willful noncompliance and seek damages under the FCRA and FDCPA. This serves as XXXX final notice to correct these violations before further legal action is taken.

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 2025-01-28 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, Bank of America notified me that there appeared to be fraudulent charges on my credit card. Bank of America then texted me and asked, " Did I authorize this activity? Reply YES or NO. '' on back-to-back charges of {$2500.00}, {$2500.00}, and $ XXXX immediately responded with " NO '' to each charge ( text is attached ). I then spoke with a fraud supervisor who explained that Bank of America 's policy is that once I reply " No '' to Did I authorize this activity? I would not be responsible for those charges. Since then, I have made several attempts to dispute these charges with Bank of America and they have refused- stating the merchant submitted to them a form contract from my ex-husband with my account number. I asked them to review the form- which does not show me giving authorization by initials or signature on page XXXX ( XXXX Credit Card XXXX ) that was submitted. The card information was mistakenly entered by auto-fill and did not include the correct CVV number. I filled out a police report explaining the events and an affidavit stating I did not authorize any charges and that I should close the account to protect it from any further fraudulent activity.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/year> I made constant calls regarding the information being reported on my report and that my personal information was incorrect they assured me that these fraud issues would be addressed, yet they remain on my account with incorrect addresses attached to me that I have no connection to this information 15 USC 1681o. Civil liability for negligent noncompliance Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the 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 2025-01-28 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: AZ

Complaint narrative:
XX/XX/XXXX I disputed an account that was never mine for a closed account created XX/XX/XXXX. It shows it was never late and the original balance was {$1900.00}, the highest balance was {$1700.00} rand this is on record until XX/XX/XXXX. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine for an account that was never used. It was opened XX/XX/XXXX with a XXXX monthly payment with an original balance of $ XXXX shows it will be on record until XXXX XXXX credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine that was opened and is now closed XX/XX/XXXX. The current balance is {$1400.00}. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed late payments on my account owing {$2700.00}. It shows late XXXX, XXXX, XXXX and Ive never been late. The credit company wrote back in XXXX hours saying they found this to be correct without actually investigating this. This is not correct and want this removed. 

XX/XX/XXXX I disputed several names, addressees, employers, phone numbers and co applicants that aren't linked to me ever in my life and the credit company wont remove. 

XXXX hard inquires are not mine and credit company wont remove

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 2025-01-28 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: AZ

Complaint narrative:
XX/XX/XXXX I disputed an account that was never mine for a closed account created XX/XX/XXXX. It shows it was never late and the original balance was {$1900.00}, the highest balance was {$1700.00} rand this is on record until XX/XX/XXXX. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine for an account that was never used. It was opened XX/XX/XXXX with a 0 monthly payment with an original balance of $ XXXX shows it will be on record until XXXX XXXX credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine that was opened and is now closed XX/XX/XXXX. The current balance is {$1400.00}. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed late payments on my account owing {$2700.00}. It shows late XXXX, XXXX, XXXX and Ive never been late. The credit company wrote back in XXXX hours saying they found this to be correct without actually investigating this. This is not correct and want this removed. 

XX/XX/XXXX I disputed several names, addressees, employers, phone numbers and co applicants that aren't linked to me ever in my life and the credit company wont remove. 

XXXX hard inquires are not mine and credit company wont remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CT

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting 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 2025-01-28 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: KS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an item on my credit report. In accordance with the Fair Credit Reporting Act ( FORA ) specifically 15 U.S.C.1681a ( b ) ( 3 ). It is the responsibility of the credit reporting agency to ensure that all information contained in the report is accurate, complete and up to date. The information is inaccurate and i request that you investigate the matter in accordance FCRA. I would appreciate it you could correct this error and provide me with an update copy of my credit report once the dispute has been resolved. Transunion investigation took place XXXX XXXX with the results of being accurate in XXXX XXXX. No description was given within XXXX days. How did you determine the results of the investigation. What current contract with my signature for the time frame reported. The date this open XX/XX/XXXX, the amount XXXX by XXXX XXXX XXXX. I had reported there was no current contract with a signature. And the staff representing the original vendor I had spoken to as for an agreement. A history of payment per the lease agreement for XXXX  months will confirm completion of the lease So there is no contractual evidence for the time beyond the original lease. 




















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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 2025-01-28 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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