vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking the federal law. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the reports relates. 

I have attached a copy of the original dispute letters sent to Experian, along with a copy of my driver 's license, recent utility bill and a copy of the FTC identity theft report for your review.

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 2025-02-05 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have requested Experian to stop running SOFT INQUIRIES IN MY NAME. EXPERIAN AND XXXX XXXX RUN SOFT INQUIRIES DAILY UNDER MY NAME. 
I CAN NOT OBTAIN AUTO INSURANCE BECAUSE OF THE AMOUNT OF SOFT INQUIRIES ON MY CREDIT REPORT. 
I DID NOT AUTHORIZE ANY SOFT INQUIRIES. 
I DID NOT GIVE PERMISSION FOR EXPERIAN TO RUN SOFT INQUIRIES IN MY NAME I DID NOT GIVE XXXX XXXX PERMISSION TO RUN SOFT INQUIRIES IN MY NAME EXPERIAN REFUSED TO STOP RUNNING SOFT INQUIRIES EXPERIAN DOES NOT PROVIDE AN OPTION TO DISPUTE SOFT INQUIRIES EXPERIAN DOES NOT PROVIDE A SOLUTION TO STOP SOFT INQUIRIES EXPERIAN DOES NOT PROVIDE A PHONE NUMBER FOR CUSTOMER SERVICE WITH AN OPTION FOR STOPPING SOFT INQUIRIES

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 2025-02-05 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-05 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.
State: AZ

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$3600.00} XXXX - XXXX - {$0.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reinvestigation into dispute claim information on credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I was notified that a collections account was added to my credit report, a major derogatory record. It shows an alleged {$180.00} unpaid debt, which wouldnt make sense given my flawless credit history and credit line extended. I have been living in the same apartment complex as of today and for the past two plus years. I have amicable relationship with management staff, with rent account thats current, and management staff has my up-to-date contact info. I can affirm, under penalty of perjury, that I have never received any communication about this alleged debt before this record shows up in my credit report, which is a clear violation of FDCPA and 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-05 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.
State: FL

Complaint narrative:
Im writing out of sheer frustration with the repeated errors on my report. These inaccuracies have caused my score to drop and are actively limiting the options available to me. Its unfair and disheartening to see mistakes that I didnt create impacting my life so negatively.

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 2025-02-05 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: NC

Complaint narrative:
After having to deal with Federal Code and supply the business of state courts with my XXXX XXXX XXXX XXXX XXXX XXXX ; my debt restructuring from XXXX in 2009 is today reworking the same personal accounts. 

It is financially selective or profiling about the payment processing day and amount when credit is extended. Finicky. 

XXXX XXXX and XXXX Ohio closed on an account for {$370.00} in 2009. 

XXXX XXXX has the same way of developing a debt that is never meant to be repaid because of impossible means test. I do not invoice or bill another LLC or person. 

Through positivism of law and correctional law ( informally and not as licensed XXXX ) I have developed enough to say no to the abuse and try to report to guardian on record or the courts informally. 

The abuse of process at the local courts with a XXXX XXXX XXXX is painfully and emotionally reminder of the indentured Bill of Rights as the legal tractus to survive and the THREAT of being arrested on outstanding invoices and billing or to create security for climate control is depreciating me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Re : Demand for Immediate Deletion of Charged-Off Account Reinserted in Violation of 15 U.S.C. 1681 ( i ) ( 7 ) Dear Experian, I am writing to demand the immediate deletion of a charged-off account that was wrongfully reinserted into my credit report after it was previously deleted. This account was originally removed from my credit report after a dispute, but your agency has reinserted it without proper verification or legal grounds, in clear violation of 15 U.S.C. 1681 ( i ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681 ( i ) ( 7 ), if information is deleted from a consumer 's credit file after a dispute, it can not be reinserted unless the furnisher of the information has provided verified and accurate evidence of its legitimacy within a reasonable period. You have failed to provide such documentation, and as a result, your actions amount to an unlawful reinsertion of inaccurate and outdated information. 
Account- XXXXXXXX XXXX Account number- XXXX The account named above was deleted on XX/XX/XXXX and reinserted on XX/XX/XXXX. This account was also deleted from XXXX on XX/XX/XXXX. 
Additionally, I am aware that Experian is currently under investigation and being sued by the Consumer Financial Protection Bureau ( CFPB ) for engaging in shameful and unlawful investigation practices that have repeatedly harmed consumers like myself. Your agency 's history of inadequate and often negligent investigations has already drawn serious legal scrutiny. It is beyond disappointing that, in light of these ongoing legal actions, Experian continues to flout its responsibilities under federal law. 
I am demanding immediate removal of the charged-off account from my credit report, and I expect this to be done within five business days as required by law. I also expect a formal, written confirmation from Experian stating that this deletion has been completed. Should you fail to comply, I will not hesitate to pursue legal action against your agency, including filing formal complaints with the CFPB and FTC, and seeking statutory damages for your blatant disregard of the law. 
Your repeated failures in handling these matters are unacceptable, and I will not tolerate further violations of my rights. If this issue is not resolved promptly, I will take all necessary legal measures to hold Experian accountable. 
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 2025-02-05 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: ID

Complaint narrative:
In a review of my credit reports, I found that there are errors and incorrect information regarding a bankruptcy on my credit report. I disputed this with all the bureaus and the only one who did not remove the inaccurate information was Experian. They informed me that the third party stated it was accurate.

I then disputed it again with proof that the Data Furnisher I was informed they used had removed the record and to remove the inaccurate information from my report. I provided a letter from the courts that they do not report to Experian and I provided a letter from XXXX that the bankruptcy was inaccurate and removed. The other bureaus also removed this information. 
Again Experian explained their " Data Furnisher '' reported it accurately. 

I filed another dispute on XX/XX/year> asking Experian to provide the name and information of the company or their " Data Furnisher '' whom they are receiving their report from, as this information is not on my credit report. Also stating if they do not provide the information of who is giving them that information then they need to remove the bankruptcy record from my report for violating the Fair Credit Reporting Act ( FCRA ). 

Experian once again responded by ignoring my complaint and request for information and only stated the 3rd party they get their information from states that the Bankruptcy report is accurate. They did not provide the contact info or records with proof of their information I requested in my dispute. Another violation of the FCRA as Experian is required to provide the consumer with the information of who they got my information and the record they are reporting from. ( I have added the dispute and their response to this ) Even after filing my last complaint, Experian is only stating they verified with the data furnisher the info is correct without providing who the Data Furnisher is. Complaint XXXX & complaint XXXX I am filing this complaint to show Experian 's clear violation of the Fair Credit Reporting Act on multiple occasions in regards to an inaccurate bankruptcy they are reporting, and demand that they remove this per their continued violation.

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I'm constantly receiving repeated phone calls from MRS BPO LLC. I have no knowledge of this company, nor have I done business with them, yet they are requesting my consumer report without a permissible cause. Pursuant to 15 USC 1692c 805 of The Fair Debt Collection Practices Act, I demand this company cease all communication with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I'm reaching out about an account that was a charge off account XXXX XXXX XXXXXXXX. I've noticed that this account is reported every month as a charge off but with a active payment history that doesn't make sense.A charge off account should have any payments showing up.It looks likes it hasn't been fixed correctly and is really hurting my credit score.I 've tried contacting the creditor but only verified the account without chowing any proof. 


Can please remove this account off my credit report as soon as possible? I ; ve really appreciate your help with this.

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