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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are inaccurate, unverifiable, or outdated. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation and removal of any items that can not be verified. 

Below are the accounts that I am disputing : XXXX XXXX XXXXAccount Number : XXXXDispute Reason : Late payment reported incorrectly in XX/XX/scrub>XXXX XXXX  Please provide verification of this late payment or remove it from my credit report as it is inaccurate. Additionally, under 15 U.S.C. 1681c ( a ), I am disputing any outdated inquiries or other inaccurate information on my report. Please investigate these matters and provide written documentation of the results. If these items can not be verified, I request their immediate removal from my credit report.

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: CA

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX XXXX XXXXXXXX due to incorrect charge off against me. Experian denied to follow up with investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of a personal loan. Experian violates my rights as a consumer, as well as federal laws.

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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing this complaint against equifax and transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX consistently responds within 24 hours stating the account accurate, without providing any evidence of a through investigation. The practice violates the Fair Credit reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

XXXX XXXX is the account in question.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to bring to your attention a serious concern regarding the handling of my recent dispute. It has come to my attention that you have violated my rights by failing to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I submitted a dispute to XXXX regarding XXXX XXXXXXXX XXXX {$1000.00}, XXXXXXXX XXXX {$800.00}, XXXX XXXX XXXX XXXX {$4800.00} and XXXX XXXX {$870.00}. According to the FCRA, upon receiving a dispute, you are obligated to conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information. 
However, I regret to inform you that your investigation was inadequate and failed to fulfill the obligations outlined by the FCRA. I disputed these account and XXXX reported accurate without proper investigation under the 15 U.S.C 16810 Civil Liability for Neglgient Noncompliance Law I must emphasize the significance of this matter, as the accuracy of my credit report directly impacts my financial standing and opportunities. As a consumer, I have the right to expect a fair and thorough investigation of any disputed information. 
Therefore, I kindly request that you take immediate action to rectify this situation. I expect XXXX to conduct a comprehensive investigation into my dispute, ensuring that all necessary steps are taken to verify the accuracy of the disputed item ( s ). Additionally, I urge you to provide me with a detailed report of the investigation 's findings and any actions taken as a result. 
Please be aware that a failure to address this matter appropriately will leave me no choice but to pursue all available legal remedies to protect my rights under the FCRA. I trust that XXXX will take this matter seriously and act promptly to rectify the situation. 
I look forward to a prompt and satisfactory resolution to this dispute. You may contact me at the provided phone number or email address should you require any additional information or clarification. 
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 2025-01-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to bring to your attention a serious concern regarding the handling of my recent dispute. It has come to my attention that you have violated my rights by failing to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I submitted a dispute to XXXX regarding XXXX XXXXXXXX XXXX  {$1000.00}, XXXXXXXX XXXX {$800.00}, XXXX XXXX XXXX XXXX {$4800.00} and XXXX XXXX {$870.00}. According to the FCRA, upon receiving a dispute, you are obligated to conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information. 
However, I regret to inform you that your investigation was inadequate and failed to fulfill the obligations outlined by the FCRA. I disputed these account and XXXX reported accurate without proper investigation under the 15 U.S.C 16810 Civil Liability for Neglgient Noncompliance Law I must emphasize the significance of this matter, as the accuracy of my credit report directly impacts my financial standing and opportunities. As a consumer, I have the right to expect a fair and thorough investigation of any disputed information. 
Therefore, I kindly request that you take immediate action to rectify this situation. I expect XXXX to conduct a comprehensive investigation into my dispute, ensuring that all necessary steps are taken to verify the accuracy of the disputed item ( s ). Additionally, I urge you to provide me with a detailed report of the investigation 's findings and any actions taken as a result. 
Please be aware that a failure to address this matter appropriately will leave me no choice but to pursue all available legal remedies to protect my rights under the FCRA. I trust that XXXX will take this matter seriously and act promptly to rectify the situation. 
I look forward to a prompt and satisfactory resolution to this dispute. You may contact me at the provided phone number or email address should you require any additional information or clarification. 
Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Customer Service, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report as a direct result of identity theft caused by the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The Equifax data breach exposed my personal information, which has resulted in fraudulent activity XXXX my credit report. I expect XXXX to take immediate action to rectify the harm caused by this breach and comply with its legal obligation under the FCRA. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if XXXX chooses to reinstate any of the disputed items, I expect a detailed explanation, along with the evidence used to validate their accuracy. 
Failure to comply with my request will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. 
I expect a response and resolution within the legally required timeframe. If you need further information, you may contact me directly at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Why are you lying I have email proof that I filed the motion to compel way before XXXX the courts was behind second when the judge asked you crooked attorney XXXX  they served the motion to compel she lied when she had been served secondly I have screamed over and over that yes I am married to him but we are not together and havent been together your recoded line will proved tht again my daughter was XXXX XXXX XXXX and called me to the door and I told that server he didnt live there you guys are lying and yes I offered money on a debt that has nothing to do with me and my attorney offered you the XXXX and you XXXX never responded you will never get you money this man has a XXXX judgement for child support so get in line cause Ill file XXXX before I ever pay your company after all the stress you caused and to I did some research about that plan ticket and the airline advises the ticket was booked not in his name and no one showed up for flight so XXXX starting to believe him that this is a fraudulent account call the airlines and they will tell you. Now why would you be sneaking and try and force a judgement cause you know if it went to trial I would have won you have no proof I will be again filing a motion to vacate and I will be counter suing per XXXX XXXX you violated my ability to respond.

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: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( collection ) XXXX. XXXXXXXX XXXX -Account # XXXX ( Collection/Charge-Off ) Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts.

2. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 

3. Violation of 15 USC 1681i ( a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If Experian can not comply, the accounts must be permanently deleted.

Request for Immediate Resolution If Experian can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).

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: EQUIFAX, INC.
State: CA

Complaint narrative:
It has come to my attention that certain accounts associated with my name are either not mine, were not properly verified, or contain inaccuracies due to your willful negligence. 

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

I require the removal and closure of the following accounts : - XXXX XXXX : ending in XXXX XXXX XXXX XXXX  XXXX XXXX : ending in XXXX By failing to adhere to your own administrative procedures, you have demonstrated blatant negligence. This is unacceptable, and I demand immediate compliance with the proper protocols without exception or delay. 

XXXX XXXX : By your inaction, you acknowledge and accept an obligation to pay me {$800.00} immediately. Failure to comply will constitute a deliberate breach of this agreement.

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: CA

Complaint narrative:
It has come to my attention that certain accounts associated with my name are either not mine, were not properly verified, or contain inaccuracies due to your willful negligence. 

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

I require the removal and closure of the following accounts : - XXXX XXXX  : ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ending in XXXX By failing to adhere to your own administrative procedures, you have demonstrated blatant negligence. This is unacceptable, and I demand immediate compliance with the proper protocols without exception or delay. 

Tacit Agreement : By your inaction, you acknowledge and accept an obligation to pay me {$800.00} immediately. Failure to comply will constitute a deliberate breach of this agreement.

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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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: EQUIFAX, INC.
State: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My social security number was sold on a black market, and this is currently being investigated.

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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My social security number was sold on a black market, and this is currently being investigated.

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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Daily phone calls from different phone numbers and ocassional letters on a debt that is over 16 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Today at XXXXXXXX XXXX someone ordered XXXX XXXX with the total of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXs ) apparently my card was unlocked but I don't remember unlocking it

Company response to consumer: Closed with explanation