vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX Date : XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit Report Dear Experian Customer Service, I am writing to formally express my concern regarding the inaccurate information on my credit report, which continues to remain unresolved despite my previous disputes. This issue is of great importance, and I am deeply dissatisfied with the manner in which it has been handled thus far.

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to correct inaccurate credit reporting and not properly investigating consumer disputes. In the lawsuit, the CFPB pointed out serious concerns regarding Experians practices, including the failure to resolve inaccuracies in consumer credit reports, even after disputes are filed and the issue is clearly identified. Unfortunately, I have experienced a similar pattern in my own dealings with your company, which is why I am compelled to escalate this issue. 
I previously submitted a dispute on XX/XX/year> regarding the inaccurate information listed on my credit report. Despite this, my credit report still contains incorrect data, which has negatively affected my credit score and overall financial standing. I request that you take immediate action to resolve this matter by : Conducting a thorough investigation into the inaccuracies I have disputed. 
Correcting the erroneous information on my credit report promptly. 
Providing me with a corrected copy of my credit report. 
Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, and that disputes be fully investigated in a timely manner. It is evident that the practices outlined in the CFPB 's lawsuit, which cite delays and inadequate responses to disputes, are reflective of the challenges I am facing with Experian. 
If the inaccuracies are not corrected promptly, I will consider taking further action to ensure my consumer rights are protected, including filing additional complaints with the CFPB and considering legal remedies available to me. 

Please confirm receipt of this letter and provide an update on the resolution of my dispute as soon as possible. I expect to hear from you within 30 days, as outlined by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Im trying to get this credit report off off my credit report Ive been trying to do so for so long and they still have it published to the public so its messing me up in the long run and I know the law is : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-02-06 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: MO

Complaint narrative:
Subject : Fraudulent Account Dispute Identity Theft Notification To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report with your bureau. The account in question is a XXXX account, which I did not open and have no association with. I am a victim of identity theft, and my personal information was exposed in a recent data breach. Since that time, I have had to closely monitor my credit report to prevent further fraudulent activity. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( XXXX U.S.C. XXXX ), I am requesting that this fraudulent account be blocked from my credit file immediately. The FCRA requires credit bureaus to block reporting of information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Failure to comply with this requirement may expose your bureau to civil and legal penalties. 

For your reference, I am submitting the following supporting documents : Identity Theft Report The report is titled Drastic and is attached to this request. 
Copy of my government-issued ID ( e.g., driver 's license or passport ). 
Proof of address ( e.g., utility bill or bank statement ). 
As per FCRA Section 605B ( c ), any credit bureau that fails to block fraudulent information upon receiving an identity theft report may be liable for damages, attorneys fees, and additional penalties under FCRA Sections 616 and 617 ( XXXX U.S.C. XXXX, XXXX ), which allow for civil liability and statutory damages of up to {$1000.00} per violation, plus punitive damages for willful noncompliance. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within the legally mandated four-business-day timeframe. If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal action if necessary. 

Please send me a written confirmation once the fraudulent account has been removed from my credit report. If you require any further information, you may contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. 

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 non-monetary relief
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
Subject : Fraudulent Account Dispute Identity Theft Notification To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report with your bureau. The account in question is a XXXX account, which I did not open and have no association with. I am a victim of identity theft, and my personal information was exposed in a recent data breach. Since that time, I have had to closely monitor my credit report to prevent further fraudulent activity. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( XXXX U.S.C. XXXX ), I am requesting that this fraudulent account be blocked from my credit file immediately. The FCRA requires credit bureaus to block reporting of information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Failure to comply with this requirement may expose your bureau to civil and legal penalties. 

For your reference, I am submitting the following supporting documents : Identity Theft Report The report is titled Drastic and is attached to this request. 
Copy of my government-issued ID ( e.g., driver 's license or passport ). 
Proof of address ( e.g., utility bill or bank statement ). 
As per FCRA Section 605B ( c ), any credit bureau that fails to block fraudulent information upon receiving an identity theft report may be liable for damages, attorneys fees, and additional penalties under FCRA Sections 616 and 617 ( XXXX U.S.C. XXXX, XXXX ), which allow for civil liability and statutory damages of up to {$1000.00} per violation, plus punitive damages for willful noncompliance. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within the legally mandated four-business-day timeframe. If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal action if necessary. 

Please send me a written confirmation once the fraudulent account has been removed from my credit report. If you require any further information, you may contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis was sent a notarized Affidavit of Fraud via registered mail without response. Then a notarized Notice of Default was sent certified mail after the non-response. I have both signed green cards as proof of delivery.

The details LexisNexis is stating are missing are in fact all outlined in both legal documents : Regarding the response asserting that I did not provide sufficient identification in connection with the signed and notarized affidavit previously submitted : Firstly, I would like to emphasize that tLexisNexis was sent an affidavit which is a legally binding document, duly notarized, which signifies that my identity was verified at the time of signing. The notary public who executed the notarization confirmed my identity and the authenticity of the signature, providing an additional layer of validation that far exceeds the requirement of mere identification. The assertion that identification was not provided is not only inaccurate but also disregards the legal weight of the notarized affidavit. This document serves as irrefutable evidence of my acknowledgment and agreement regarding the matter at hand. As such, it should be regarded as sufficient for any legal or procedural purposes associated with this debt collection process. The last 4 numbers of my social are included on the document, along with an address, and all creditors in question information. Due to the non-responsiveness of LexisNexis, a notice a Default was sent with all the same legal requirements- notarized signature, address, last 4 of the social, and account information. Should you continue to allow this claim to be closed and allow LexisNexis to assert that further identification is required, I will file a lawsuit against LexisNexis and CFPB as a conspirator in fraud. Failure to comply will result in legal action being taken against both parties, which includes pursuing damages, seeking injunctions, and filing a lawsuit to enforce compliance with the law Please consider this correspondence a formal request for resolution of this matter without further delay. I expect to conclude this issue promptly and to be treated with the respect and legality that the notarized affidavit warrants. I look forward to your swift response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to formally dispute unauthorized inquiries on my credit report from the company XXXX XXXX, dated XX/XX/XXXX. Pursuant to 15 USC 1681b ( 2 ), these inquiries were made without my authorization. I request the immediate removal of these inquiries from my credit report.

These unauthorized inquiries have caused significant inconvenience and mental stress. If these inquiries are not removed promptly, I will have no choice but to seek monetary compensation for the distress and inconvenience caused.

I would also like to bring to your attention several relevant enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against TransUnion in recent years. Over the last seven years, the TransUnion conglomerate has been subject to four CFPB law enforcement actions. These include today 's two actions for rental background check and security freezes failures, as well as repeated actions against TransUnion for its subscription plans. 

In XXXX, the CFPB issued an order against TransUnion for luring consumers into costly subscription plans by deceptively misstating the cost and usefulness of its credit scores and related products. Despite this order, a lawsuit filed in XX/XX/XXXX by the CFPB alleges that TransUnion continued to engage in deceptive practices, tricking consumers into signing up for costly subscription products with recurring payments. 

These actions emphasize the importance of ensuring that consumer reports are accurate and that unauthorized inquiries are addressed promptly. Please confirm the removal of these inquiries from my credit report at your earliest convenience. I look forward to resolving this matter swiftly. You can contact me via the phone number listed above if you need further information. 

Thank you for your immediate attention to this matter. 

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX was sent a notarized Affidavit of Fraud via registered mail without response. Then a notarized Notice of Default was sent certified mail after the non-response. I have both signed green cards as proof of delivery. 

The details XXXX is stating are missing are in fact all outlined in both legal documents : Regarding the response asserting that I did not provide sufficient identification in connection with the signed and notarized affidavit previously submitted : Firstly, I would like to emphasize that XXXX  was sent an affidavit which is a legally binding document, duly notarized, which signifies that my identity was verified at the time of signing. The notary public who executed the notarization confirmed my identity and the authenticity of the signature, providing an additional layer of validation that far exceeds the requirement of mere identification. The assertion that identification was not provided is not only inaccurate but also disregards the legal weight of the notarized affidavit. This document serves as irrefutable evidence of my acknowledgment and agreement regarding the matter at hand. As such, it should be regarded as sufficient for any legal or procedural purposes associated with this debt collection process. The last 4 numbers of my social are included on the document, along with an address, and all creditors in question information. Due to the non-responsiveness of XXXX, a notice a Default was sent with all the same legal requirements- notarized signature, address, last 4 of the social, and account information. Should you continue to allow this claim to be closed and allow XXXX to assert that further identification is required, I will file a lawsuit against XXXX and CFPB as a conspirator in fraud. Failure to comply will result in legal action being taken against both parties, which includes pursuing damages, seeking injunctions, and filing a lawsuit to enforce compliance with the law Please consider this correspondence a formal request for resolution of this matter without further delay. I expect to conclude this issue promptly and to be treated with the respect and legality that the notarized affidavit warrants. I look forward to your swift response to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX was sent a notarized Affidavit of Fraud via registered mail without response. Then a notarized Notice of Default was sent certified mail after the non-response. I have both signed green cards as proof of delivery. 

The details XXXX is stating are missing are in fact all outlined in both legal documents : Regarding the response asserting that I did not provide sufficient identification in connection with the signed and notarized affidavit previously submitted : Firstly, I would like to emphasize that tLexisNexis was sent an affidavit which is a legally binding document, duly notarized, which signifies that my identity was verified at the time of signing. The notary public who executed the notarization confirmed my identity and the authenticity of the signature, providing an additional layer of validation that far exceeds the requirement of mere identification. The assertion that identification was not provided is not only inaccurate but also disregards the legal weight of the notarized affidavit. This document serves as irrefutable evidence of my acknowledgment and agreement regarding the matter at hand. As such, it should be regarded as sufficient for any legal or procedural purposes associated with this debt collection process. The last 4 numbers of my social are included on the document, along with an address, and all creditors in question information. Due to the non-responsiveness of XXXX, a notice a Default was sent with all the same legal requirements- notarized signature, address, last 4 of the social, and account information. Should you continue to allow this claim to be closed and allow XXXX to assert that further identification is required, I will file a lawsuit against XXXX and CFPB as a conspirator in fraud. Failure to comply will result in legal action being taken against both parties, which includes pursuing damages, seeking injunctions, and filing a lawsuit to enforce compliance with the law Please consider this correspondence a formal request for resolution of this matter without further delay. I expect to conclude this issue promptly and to be treated with the respect and legality that the notarized affidavit warrants. I look forward to your swift response to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief