vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
Several Dispute letters were sent to Experian and several compliants were filed with CFPB as well. 

I am writing to formally dispute inaccurate information that remains on my Experian credit report despite multiple dispute letters and complaints filed with the Consumer Financial Protection Bureau ( CFPB ). Experian has failed to comply with federal law by not properly investigating my disputes, not responding within the legally required timeframe, and reinserting information without proper notice. 

Specifically, I am disputing the inaccuracies related to XXXX XXXX, Account # XXXX as detailed in my prior dispute letters and attached supporting documentation. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : FCRA Violations Committed by Experian : 1. Failure to Reinvestigate Within 30 Days ( 15 U.S.C. 1681i ( a ) ( 1 ) ) 2. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) 3. Failure to Follow Reinsertion Protocols ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) 4. Failure to Provide Evidence of a Reasonable Investigation I have repeatedly requested supporting documentation verifying the accuracy of the disputed information. Experian has failed to provide any substantive proof of verification, which does not meet the requirements set forth 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 2025-01-30 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: MI

Complaint narrative:
My information was in a data breach and theres a lot of information on my report that is identity theft. Ive been in touch with the company and explained my situation and still no resolution. There are a lot of negative information on my report that needs to be deleted due to erroneous reporting. Please advise as to what I need to do to get the consumer reports corrected to get my report corrected.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-30 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
It has come to my attention that certain accounts attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : Navy federal : ending in XXXX XXXX XXXX XXXX : ending in XXXX + XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay. 

Tacit Agreement : You agree and are obligated to pay me {$800.00} immediately. Failure to comply will be considered a deliberate breach of this agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
This company is trying to sue me over a debt thats more than XXXX XXXX XXXX also I have not been notified by the company directly nor have I been served. I have received letters from law offices but not directly from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
FCRA  611a5A If disputed info cannot be verified, it must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXbureaus must ensure accurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-30 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-30 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: PA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-30 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: PA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela has incorrect loan amount and ending loan date when I consolidated. My original loan was around {$31000.00} and SAVE plan took off my runaway interest when I consolidated. It recently got added back {$17000.00} making my loan around {$58000.00}. Also, I never received my XXXX time credit adjustment. My loan is from XXXX They should end XXXXXXXX XXXX XXXX  I called before consolidation dept of education and student aid.gov workers to confirm I will get my adjustment. I read every single sentence of my contract and would NEVER agree or sign anything with more years! The Federal Government is not allowed to do whatever it wants to alter my agreement without my consent. I will NOT pay a college loan for 30 years!! This voids my contract! These are Deceptive crooked practices and I have complained everywhere and nothing gets fixed. Nobody cares about this except me because its under my name and its incorrect! Mohela omsbudsman is bias and wont fix this mistake! Theyre controlled to ignore issues like mine and leave them as is because they are incompetent to fix them and abide by the law. Mohela is unreachable and cant meet my needs. Three hours wait time is not my problem. I email them and no response ever! They should be shut down!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I filed a dispute regarding ( XXXX ), XXXX, due to a lack of validation of the information being reported on my credit file. Despite my request, Experian failed to adequately investigate the matter or provide proper documentation to substantiate the accuracy of the reported information. 
Recently, I was informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, citing allegations of accepting unreliable information and failing to notify consumers of the results of their disputes. This closely aligns with my situation. Experian has neither corrected nor removed the disputed information, even though it remains unvalidated. 
The continued presence of this inaccurate or unverifiable information is negatively impacting my ability to secure { a house, car, etc. }. I am formally requesting that this derogatory remark be removed or corrected immediately, as Experians inaction constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws. 
I expect prompt action to resolve this matter in compliance with federal regulations to prevent further harm to my credit profile.

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 2025-01-30 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX CFPB ) Complaint** Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian for FCRA Violations To Whom It May Concern at the CFPB, I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). Experian has failed to maintain accurate information, properly investigate my disputes, and remove unverifiable or incorrect data from my credit report.

Details of the Violations 1. Failure to Conduct Proper Investigations - I have sent multiple dispute letters to Experian regarding inaccurate reporting of an account from XXXX XXXX ( Account # XXXX ). 
- Despite my disputes, Experian has either failed to investigate properly or has continued to report incorrect and inconsistent information, in violation of 15 U.S.C. 1681i ( 5 ).

2. Inconsistent and Inaccurate Account Reporting - Experian lists the account as " Paid, was a charge-off. '' - XXXX and XXXX have reported different statuses for this account. 
- The discrepancies indicate a failure to maintain accurate reporting, violating 15 U.S.C. 1681e ( b ).

3. Failure to Remove Unverifiable Information - Experian has not provided verifiable proof from the creditor to support the disputed account 's accuracy.

- According to 15 U.S.C. 1681i ( 5 ), if information can not be verified, it must be deleted. However, Experian continues to report inaccurate information. 

4. Mismatched Last Payment Dates - Experian reports my last payment as XX/XX/XXXXXXXX XXXX 
- Other bureaus report different dates for the last payment. 
- These inconsistencies further demonstrate Experian 's failure to ensure the maximum possible accuracy of consumer reports, violating 15 U.S.C. 1681e ( b ). 

5. Recent CFPB Lawsuit Against Experian Supports My Claims - The CFPB recently filed a lawsuit against Experian for failing to properly investigate disputes, reinserting errors, and threatening consumers access to credit, employment, and housing. 
- This demonstrates a pattern of noncompliance by Experian, which I believe applies to my case as well. 



I appreciate the CFPBs attention to this matter and look forward to a resolution. 

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 2025-01-30 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: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I had to call and find out what was going on with my dispute, and I was told my dispute was received but my SSN was invalid and my ID was not clear, which was not true, so I resending the say information that you said was invalid or not a clear photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i am a victim of XX/XX/XXXX this is my second attempt of notifying the bureau

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 2025-01-30 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EQUIFAX UNAUTHORIZED COLLECTION , XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I looked at my XXXX , Equifax & XXXX credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX EXPERIAN XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX UNAUTHORIZED COLLECTION , XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX I looked at my Experian , XXXX & XXXX credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief