vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I'm unable to retrieve my credit reports from Experian website or from www.annualcreditreport.com. I'm able to login to the Experian website but I can't retrieve my reports or dispute anything online. When I attempt to dispute anything online, I receive an error message, please see attach. I have contacted Experian on 10 different occasions. When I call them and speak to a dispute specialists, the specialist tells me that they can not discuss my credit file with me because my file is being handled by the consumer affairs department. When i spoke with the consumers affairs department, I was told that I need to submit a letter to them requesting that my file be released from the consumer affairs department. I have submitted the letter 5 times already please see attach, and I still can't dispute or retrieve my credit file. I believe Experian is in violation of the FCRA and this is my last attempt to reaching out to them before I file a lawsuit against them. 

Additionally, I submitted a complaint to CFBP on XX/XX/year>, complaint id # XXXX the complaint is attached. Experian responded with to the CFPB by stating, " The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. '' This is a downright lie and a violation of the FCRA. The case was dismissed on XX/XX/year>. Please see attached dismissal document from the court, and also emails from their attorneys stating the case was closed. Once again this is another unfair response, resolution and violation of the law.

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 2025-03-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In your response to CFPB complaint XXXX, you claimed that my dispute was updated with the credit bureaus, yet this account is still reporting inaccurately. Furthermore, I did not request an updateI demanded a deletion due to your unlawful reporting of inconsistent information and an inflated balance. By stating that the credit bureaus were notified to " update '' the account, you are admitting to previous inaccurate reporting, which is a clear violation of the FCRA and the FDCPA.

Your failure to properly investigate and correct the errors in my credit report is a direct violation of 15 U.S.C. 1681i. In Dennis v. BEH-1, LLC, the court held that each subpart of 1681i constitutes an independent violation of the FCRA. This means that your failure to conduct a reasonable reinvestigation, provide the basis for your verification, and ensure the accuracy of the reported information are all separate violations of federal law, each subject to legal liability.

Due to your noncompliance, I will be reporting this matter to the Attorney General and seeking legal and monetary relief for the emotional distress and loss of opportunities this has caused me. I have attached a true bill for your violations, and payment is to be remitted to the address listed on the invoice. Additionally, I am once again demanding that the account XXXX be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AK

Complaint narrative:
The initial amount borrowed was around XXXX with only about XXXX being used for the actual vehicle repair from XXXX XXXX. If I continue to pay the installments I will end up paying triple the amount at the end ( about XXXX ). This is upsetting because I was never communicated about the 199 % interest rate and would never have chosen this as a financing option if I had known.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: OH

Complaint narrative:
This information is factually wrong and does not reflect my true credit history. I have taken the necessary steps to investigate and can provide supporting documentation if needed to confirm the error. The inaccurate entry is impacting my credit score and overall financial standing, and I expect this issue to be resolved as quickly as possible.

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 2025-03-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the inaccurate reporting of the following account on my credit report and demanding its immediate deletion : XXXX XXXX XXXX XXXX  XXXX XXXX. This account was withdrawn by the courts and has already been deleted from my TransUnion credit report. Despite this, Experian and Equifax continue to report this inaccurate and outdated information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, this account contains erroneous reporting, including : Inconsistent and inaccurate payment history. 
Incorrect date last active and date of last payment. 
An open date of XXXX, making it past the statute of limitations. 
These discrepancies violate the FCRA by failing to provide accurate information. Experians failure to investigate thoroughly, as highlighted in the CFPB 's recent lawsuit, is concerning, and I will pursue legal action if this issue is not resolved. A formal letter was also sent to the Attorney General on XX/XX/XXXX, further proving that this account was withdrawn. A copy of this letter, which is dated and time-stamped, is attached for reference. 

Furthermore, I urge you to reference TransUnion v. Cushman, 115 F.3d 220 ( 3rd Cir. XXXX ), which set a legal precedent that credit reporting agencies must conduct a reasonable reinvestigation of disputed information. Simply relying on the furnishers word without independently verifying the accuracy of the reported information is insufficient under the FCRA. TransUnion has already deleted this account, which further proves that the reporting is inaccurate. If Experian and Equifax continue to report this unverified information without conducting a proper investigation, they are in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TX

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Collections, Inc.
State: FL

Complaint narrative:
This Company ( Express Collections ) keeps adding balances to this account every couple of weeks it's a different balance. I do not owe anything to this company, they can't provide solid proof that I have a contract originally with them owing them money. It says the original company is XXXX XXXX XXXX  XXXX and this has already been charged off. The company needs to send a Valid 1099-C form if they actually have verifiable information. The balances with this company went from XXXX to XXXX but it's reporting it was opened in 2023 and it also reported as highest balance is XXXX. This is inaccurate information and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND 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 2025-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
WHEN PULLING MY CREDIT REPORT I DISCOVERED THAT MERCEDES BENZ FINANCIAL SERICES IS REPORTING MY OPEN PAID AS AREED ACCOUNT AS A BANKRUPTCY STATUS, WHICH IS INACCURATE. THIS ISSUE IS HIGHLY IMPACTING MY CREDIT REPORT AND SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: DC

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND 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 non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-03-21 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: TX

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-03-21 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-21 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: TOWNEBANK
State: NC

Complaint narrative:
On XX/XX/year>, Towne Bank placed a hard inquiry on my XXXX credit report as part of a shotgun pull initiated by XXXX XXXX ( XXXX, NC ). XXXX XXXX submitted my auto loan application to multiple lenders without my direct authorization for each inquiry. I did not provide individual consent for Towne Bank to access my credit file. 

I am requesting that this unauthorized inquiry be removed under the Fair Credit Reporting Act ( FCRA ). I am also contacting Towne Bank directly and have submitted disputes to the credit bureaus. 

Please also note that I legally changed my name to XXXX so some records may appear under XXXX XXXXXXXX XXXX, or XXXX XXXX XXXX depending on the institution. I am in the process of aligning my records across all systems.

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