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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Block and Remove Unauthorized Bankruptcy Information and Intent to Sue Dear Experian, I am writing to formally request the immediate blocking and removal of inaccurate bankruptcy information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ).

The details of the disputed entries are as follows : 1. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXX CT AR LITTLE R - **Amount** : {$0.00} XXXX. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - **Amount** : {$0.00} XXXX entries were not reported or furnished by the bankruptcy court, and I have not authorized any of these charges. Furthermore, these filings were made without my consent, involving the misuse of my personal information. 

Under Section 605B of the FCRA, I request that you block and remove all information related to these unauthorized bankruptcies. This information must be removed within XXXX business days of your receipt of this letter. 

Additionally, I intend to pursue legal action under FCRA Section 611 ( a ) ( 1 ) due to your failure to respond appropriately to this dispute. According to the law, I am entitled to seek statutory damages of {$1000.00} for the inaccuracies reported. 

Please treat this matter with urgency and provide written confirmation that these entries have been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Block and Remove Unauthorized Bankruptcy Information and Intent to Sue Dear Experian, I am writing to formally request the immediate blocking and removal of inaccurate bankruptcy information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ).

The details of the disputed entries are as follows : 1. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXX CT AR LITTLE R - **Amount** : {$0.00} XXXX. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - **Amount** : {$0.00} XXXX entries were not reported or furnished by the bankruptcy court, and I have not authorized any of these charges. Furthermore, these filings were made without my consent, involving the misuse of my personal information. 

Under Section 605B of the FCRA, I request that you block and remove all information related to these unauthorized bankruptcies. This information must be removed within XXXX business days of your receipt of this letter. 

Additionally, I intend to pursue legal action under FCRA Section 611 ( a ) ( 1 ) due to your failure to respond appropriately to this dispute. According to the law, I am entitled to seek statutory damages of {$1000.00} for the inaccuracies reported. 

Please treat this matter with urgency and provide written confirmation that these entries have been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your swift response. 

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX  XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00}

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I NOTICED A FRAUD ACCOUNT DUE TO THE DATA BREACH THIS ACCOUNT ISNT MINE.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies on my account. One particular account is negatively affecting my ability to obtain credit. I understand that you are responsible for investigating such discrepancies to ensure the accuracy of my report. 

I am requesting verification of the following account : Account name : XXXX XXXX  Account number : 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-02-06 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: GA

Complaint narrative:
I am writing to formally dispute a matter related to my credit report for Equifax, Experian and TransUnion that has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. My recent attempts to resolve this issue have been unsuccessful and I am requesting immediate corrective action. 

The information that is in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total {$580.00} Investigation or action was not taken in a timely manner, or the results were not communicated clearly. As you know, the FCRA requires that disputes be investigated and resolved promptly, usually within 30 days. 

To further clarify, I believe the failure to resolve my dispute accurately or within the statutory time limit constitutes negligent noncompliance on your part under 15 U.S. Code 1681o. As such, I am requesting the following : An immediate re-investigation of the disputed entry. 
A written statement outlining the findings of your investigation and the corrective actions you will take. 
A clear explanation of the reasons for any continued errors, if applicable. 
Additionally, I would like to remind you that under the FCRA, I am entitled to recover damages for any negligent noncompliance, including actual damages, statutory damages, attorney fees, and costs if this matter is not resolved promptly. 

Please address this issue within 30 days from the date of this letter. If I do not receive a satisfactory response, I will be forced to take legal action to enforce my rights under the FCRA, including pursuing civil liability for damages. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution.

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: 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: GA

Complaint narrative:
I am writing to formally dispute a matter related to my credit report for Equifax, Experian and TransUnion that has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. My recent attempts to resolve this issue have been unsuccessful and I am requesting immediate corrective action. 

The information that is in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total {$580.00} Investigation or action was not taken in a timely manner, or the results were not communicated clearly. As you know, the FCRA requires that disputes be investigated and resolved promptly, usually within 30 days. 

To further clarify, I believe the failure to resolve my dispute accurately or within the statutory time limit constitutes negligent noncompliance on your part under 15 U.S. Code 1681o. As such, I am requesting the following : An immediate re-investigation of the disputed entry. 
A written statement outlining the findings of your investigation and the corrective actions you will take. 
A clear explanation of the reasons for any continued errors, if applicable. 
Additionally, I would like to remind you that under the FCRA, I am entitled to recover damages for any negligent noncompliance, including actual damages, statutory damages, attorney fees, and costs if this matter is not resolved promptly. 

Please address this issue within 30 days from the date of this letter. If I do not receive a satisfactory response, I will be forced to take legal action to enforce my rights under the FCRA, including pursuing civil liability for damages. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution.

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: 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: CA

Complaint narrative:
Subject : Response to Inadequate Investigation Violation of FCRA 611 To Whom It May Concern, I am writing in response to TransUnions inadequate response regarding my dispute. Your response failed to comply with the Fair Credit Reporting Act ( FCRA ) 611, which mandates a reasonable investigation of consumer disputes. Specifically, your actions violate the following : 1. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ) You verified the XXXX account as reported without providing evidence of a thorough investigation. 

Simply confirming an account without verifying the accuracy of the data is not sufficient under the FCRA. 



2. Failure to Provide the Method of Verification ( MOV ) ( 611 ( a ) ( 7 ) ) Under this section, I have the right to request and receive the exact method by which this account was verified.

You are required by law to provide this information upon request, yet you failed to do so.

3. Failure to Remove Inaccurate or Unverifiable Information ( 611 ( a ) ( 5 ) ) The FCRA requires deletion of any disputed information that can not be verified.

If you can not provide independent verification of this accounts legitimacy, it must be removed from my credit file.

4. Fair Debt Collection Practices Act ( FDCPA ) Concerns If XXXX or any collection agency failed to properly validate the debt before reporting it, you are complicit in violating my rights under FDCPA 809 ( b ).

Demand for Immediate Action : I hereby demand that : You immediately provide the method of verification ( MOV ) for the XXXX account . 

You reinvestigate my dispute and provide detailed documentation supporting its verification. 

If you can not provide documented proof, you must delete this account per FCRA 611 ( a ) ( 5 ).

You provide a written statement of compliance within 10 days. 


Failure to comply will result in legal action under FCRA and FDCPA, including seeking damages for willful violations. I will escalate this matter to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and my State Attorney General if necessary. 

This is your final opportunity to correct these violations before legal proceedings begin!

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate information. Under Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and correct the errors for the following accounts appearing on my credit report : XXXX XXXX  Balance : {$29000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$380000.00}

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: 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate information. Under Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and correct the errors for the following accounts appearing on my credit report : XXXX XXXX  Balance : {$29000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$380000.00}

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