vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: CO

Complaint narrative:
Dear Attorney General XXXX XXXX I am writing to file a complaint against Experian for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) in relation to inaccurate information being reported on my credit file. Despite my repeated attempts to dispute this matter for over XXXX years, Experian has failed to provide proper verification of the alleged account or remove it from my credit report. Experian is reporting inaccurate and unverified information on my credit file, despite multiple disputes. Experian has not provided any legally sufficient documentation verifying the alleged account. Experian has ignored my requests for proof of permissible purpose to report this account. Additionally, Experians failure to correct this information has caused me financial harm, including credit denials and higher interest rates. 
Under the FCRA, Experian is required to ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ) ; conduct a reasonable investigation when a consumer disputes information ( 15 U.S.C. 1681i ) ; have a permissible purpose for reporting an account ( 15 U.S.C. 1681b ) ; and delete or correct unverified accounts after a proper investigation. Despite its legal obligations, Experian has failed to comply with these requirements, leaving me with an unjustified negative credit report that affects my financial stability. I have sent multiple dispute letters to Experian and provided all necessary documentation, yet they continue to verify the debt without providing valid proof. I have also filed a complaint with the Consumer Financial As the chief consumer protection agency in my state, I am requesting your office to : 1. Investigate Experians repeated FCRA violations and hold them accountable for their failure to correct inaccurate reporting. 
XXXX. Force Experian to provide legally valid verification of the account or remove it from my credit report. 
XXXX. Take enforcement action if Experian is found to be in violation of federal or state consumer protection laws. 
Experians continued negligence is causing me financial harm, and regulatory intervention is necessary.Protection Bureau ( CFPB ), but Experian has still not corrected the issue.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to complete an investigation into my dispute within the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

I submitted a dispute regarding XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and XXXX XXXX XXXX Account Number : XXXX, requesting verification or deletion of incorrect information from my credit report. Under FCRA guidelines, the credit bureaus are legally required to complete their investigation within 30 days ( or 45 days if additional information was provided ). 

As of XX/XX/year>, more than 30 days have passed, and I have not received any response, resolution, or notification regarding the outcome of my dispute. This failure to act is a direct violation of FCRA 611 and has caused harm by prolonging the reporting of inaccurate information on my credit file.

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 2025-03-20 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: MS

Complaint narrative:
My identity was stolen I havent tried to open any banks or get any loans.

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 2025-03-20 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: NY

Complaint narrative:
Subject : Urgent Complaint Regarding Incorrect Late Payment Reporting by Experian Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian for inaccurately reporting a late payment on my credit report related to my XXXX XXXX XXXX XXXX  for XX/XX/XXXX. This payment was never late, and the reported information is entirely incorrect. Despite my efforts to resolve this directly with Experian, they have refused to amend my credit report. I am seeking your immediate assistance in addressing this matter. 

Complaint Details : Account Information : XXXX XXXX XXXX XXXX Date of Dispute : XX/XX/XXXX Date of Reported Late Payment : XX/XX/XXXX Incorrect Late Payment : A late payment has been reported on my credit report for an account that was never late. I have consistently made timely payments and have provided Experian with substantial evidence to support this, including [ list of supporting documentation provided, such as bank statements or letters from creditors ]. 

Experians Response : Despite submitting this evidence and clearly demonstrating that I was not late on this account, Experian has refused to correct the error. They have not acknowledged their mistake or taken corrective action, resulting in the continuation of inaccurate and damaging information on my credit report. 

Impact : This incorrect late payment entry is significantly harming my credit score and creating unnecessary difficulty in obtaining credit. I am being penalized for an error that was never my fault, and the reported information is completely false. 

Thank you for your prompt attention to this urgent 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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I ordered hockey tickets online. The tickets I was sold were fake. I disputed the transaction. I called about a month or two later to follow up on the dispute. I was told I had won my dispute and then bought replacements that were also expensive. A month later, I received a dispute letter in my email saying that they had reversed course and I had now lost my case. I called Capital One to explain this and explain that once I had been told I won, they were now liable for any money that couldn't be refunded. They refused to provide the transcript of said call and refused to acknowledge that they were in the wrong and now liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
XXXX XXXX XXXX ACCOUNT : ( XXXX ) I am writing to formally dispute inaccurate information being reported by Equifax on my consumer credit file. Specifically, a closed and fully paid account is being inaccurately reported as open and delinquent, which is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the provisions of the FCRA, I have the right to expect the information reported about me to be accurate, complete, and verifiable. Equifaxs reporting of this account as open and delinquent is factually incorrect and materially misleading. According to FCRA 1681i ( a ), a consumer reporting agency is required to conduct a reasonable reinvestigation when a dispute is filed and correct or delete any information that is found to be inaccurate or unverifiable.

Additionally, under FCRA 1681e ( b ), Equifax is obligated to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Continuing to report a paid and closed account as open and delinquent constitutes a failure to uphold that duty and is damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
XXXX XXXX XXXX ACCOUNT : ( XXXX ) I am writing to formally dispute inaccurate information being reported by Equifax on my consumer credit file. Specifically, a closed and fully paid account is being inaccurately reported as open and delinquent, which is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the provisions of the FCRA, I have the right to expect the information reported about me to be accurate, complete, and verifiable. Equifaxs reporting of this account as open and delinquent is factually incorrect and materially misleading. According to FCRA 1681i ( a ), a consumer reporting agency is required to conduct a reasonable reinvestigation when a dispute is filed and correct or delete any information that is found to be inaccurate or unverifiable.

Additionally, under FCRA 1681e ( b ), Equifax is obligated to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Continuing to report a paid and closed account as open and delinquent constitutes a failure to uphold that duty and is damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
XXXX XXXX XXXX ACCOUNT : ( XXXX ) I am writing to formally dispute inaccurate information being reported by XXXX on my consumer credit file. Specifically, a closed and fully paid account is being inaccurately reported as open and delinquent, which is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the provisions of the FCRA, I have the right to expect the information reported about me to be accurate, complete, and verifiable. Equifaxs reporting of this account as open and delinquent is factually incorrect and materially misleading. According to FCRA 1681i ( a ), a consumer reporting agency is required to conduct a reasonable reinvestigation when a dispute is filed and correct or delete any information that is found to be inaccurate or unverifiable. 

Additionally, under FCRA 1681e ( b ), XXXX is obligated to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Continuing to report a paid and closed account as open and delinquent constitutes a failure to uphold that duty and is damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
Someone had got into my accounts and stole all the money I had in my account which was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-20 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NY

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

Company 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Property Receivables, Corp
State: ND

Complaint narrative:
I am filing a complaint against Property Receivables regarding a debt settlement that has been misreported to the credit bureaus and their continued failure to provide proper documentation. 

On XX/XX/year>2025, I settled my debt in full for {$1600.00} over the phone with a representative from Property Receivables. I was assured that this would be reflected as Settled in Full with a {$0.00} balance. However, the agency has not corrected the reporting, and my credit report still reflects a balance of {$1100.00}, which is inaccurate. 

Additionally, I requested a settlement confirmation letter, but instead, they sent a letter stating I had simply made a payment arrangement rather than settling the debt. When I called to request the correct documentation, I was told they were behind and have failed to provide it after multiple follow-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-20 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:
I am writing to formally dispute certain information in my credit report. Under Section 605 ( b ) of the Fair Credit Reporting Act, I am exercising my right to request an investigation of this information. 

Account Information in Dispute : XXXX XXXX XXXX Opened : XXXX/XXXX/2024 Account Number : XXXX XXXXXXXX XXXX Opened : XX/XX/scrub>/2024 Account Number : XXXX Reason for Dispute : I have the right to dispute inaccurate information on my credit report. 
I have attached documentation to support my claim. 

Requested Action : I kindly request that you investigate this matter and remove or correct the inaccurate information as soon as possible. Please provide me with a copy of the results of your investigation and a revised copy of my credit report, should you make any changes. 

I am fully aware of the ongoing legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian regarding the unlawful handling of such matters. Your companys actions have caused me significant distress and have jeopardized my financial standing. I refuse to be a victim of your incompetence and negligence. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe allowed by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Please promptly eliminate the late payment and UPDATE this account immediately. 

XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Balance Owed : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$800.00} Date Opened : XX/XX/XXXX PXXXX  XXXX XXXX Balance Owed : {$620.00} Date Opened : 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
I wish to formally submit a complaint regarding the inaccurate and unverifiable information being reported by RSH & ASSOCIATES LLC. I am not familiar with this debt, and the company continues to report it erroneously. I have requested verification of the debt, yet they have declined to provide such information. They keep reporting this debt and changing the date. I have no knowledge of this debt owed Im requesting for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO XXXX DATA BREACH.

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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
My personal and financial student loan information was compromised without my authorization. The family, education, rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt. You have five business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation