vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. XXXX XXXX XXXX remains on my credit report even though I've reported the account was not mine. I provided my identity theft report as well. This is affecting my livelihood.

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 2025-01-13 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: NC

Complaint narrative:
I am submitting a complaint regarding a collection account listed by XXXX XXXX XXXX, which I believe is a result of identity theft. The account is inaccurately listed on my credit report, and I have attempted to dispute this information through Experian, but they have failed to conduct a proper and thorough investigation as required by law. 

Here are the key details of the situation : Creditor : XXXX XXXX XXXX Account Number : XXXX Amount Due : XXXX The collection account listed by XXXX XXXX XXXX does not belong to me and appears to be the result of identity theft. I have never opened an account with this company, nor have I authorized any debt related to this collection. After noticing this issue on my credit report, I immediately contacted Experian to dispute the information, providing supporting documentation such as my lease contract ( the only one that I signed ) Unfortunately, Experians response to my dispute was inadequate. The investigation they conducted was insufficient and did not resolve the issue. They failed to properly investigate the dispute or verify the accuracy of the information with the original creditor. This lack of due diligence in their investigation, as well as their failure to remove the inaccurate information, is a direct violation of the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes inaccurate information. 

I understand that Experian is currently facing legal action from the CFPB for similar issues. The CFPB recently filed a lawsuit against Experian, accusing them of conducting sham investigations and failing to ensure the accuracy of information on consumer credit reports. This lawsuit directly relates to the very issue I am experiencingExperians failure to properly investigate and correct inaccuracies, despite clear evidence. 

As a result of Experians lack of proper investigation, the inaccurate collection account from XXXX XXXX XXXX remains on my credit report, and my credit has been negatively impacted. I am concerned that this will continue to affect my ability to obtain credit, and I am frustrated that Experian is not adhering to the legal requirements to address identity theft claims appropriately. 

I am requesting that the CFPB intervene and help resolve this issue. I believe Experian must be held accountable for its failure to conduct a proper investigation and remove the fraudulent collection from my credit report. I also request that XXXX XXXX XXXX be informed that the collection is the result of identity theft and should be removed from my record.

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 2025-01-13 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-01-13 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX Submitted online dispute on XX/XX/XXXX. This account was included in bankruptcy, Experian is reporting as a " Charge-off ''. Dispute completed XX/XX/XXXX. No account changes. 

XXXX XXXX XXXX : Submitted online dispute on XX/XX/XXXX. Experian reporting account as late in XX/XX/XXXX and XX/XX/XXXX. I provided proof payments were on-time and paid as agreed. Dispute was completed XX/XX/XXXX. No account changes.

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 2025-01-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, ( Equifax ), block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 5 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EQUIFAX CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH ARE THE RESULT OF IDENTITY THEFT AND FRAUD. THESE FRAUDULENT ACCOUNTS CONSIST OF AN AUTO LOAN OPENED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AN AUTO LOAN OPENED AT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A PERSONAL LOAN OPENED AT XXXX XXXX XXXXXXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A CREDIT CARD OPENED AT XXXX XXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AND A CREDIT CARD OPENED AT XXXX XXXX XXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND THAT ALL COLLECTION ACTIVITY RELATED TO SAID ITEMS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
Dear CFPB Complaints Department, I am writing to formally file a complaint against XXXX for mishandling my escrow account and subsequently reporting an inaccurate late payment to the credit agencies, which has unfairly impacted my credit report. 
The issue arose after a shortage on my escrow account, which XXXX failed to inform me about. I later learned that approximately {$2000.00} was marked as " suspended, '' as cited by a XXXX customer service representative, instead of being applied to my mortgage payment. Additionally, I had recently changed home insurance providers during this period. However, the refund from my initial policy was never received or applied back to my account, further compounding the escrow shortage issue. 
Without prior notification or explanation about the escrow shortage or its effect on my payment status, XXXX reported my mortgage as delinquent to credit agencies. This reporting is inaccurate, unfair, and has caused unnecessary harm to my credit standings. 

Desired Resolution : I am requesting an immediate review and correction of the inaccuracies on my credit report. Specifically, I ask that CFPB require XXXX to : Reverse the negative credit reporting and clear my record of any late payments related to this incident. 
Provide a full accounting of my escrow account and confirm the adjustment of the {$2000.00} suspension to the appropriate balance. 

Thank you for your attention to this matter. I trust your office will thoroughly investigate and assist in resolving this situation promptly. Should you require any clarification or additional information, I am available at XXXX and XXXX 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 2025-01-13 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: KS

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan account XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Other Identity Theft Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$460.00} XXXX Account number XXXX Date fraud began : XX/XX/XXXX Date I discovered it XX/XX/XXXX Total fraudulent amount : XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Here is a list of the hard inquiries Credit Inquiries 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 in question as well proff that my information was breached by XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Approximately XXXX of XXXX I lost my job due to XXXX. I had reached out to the company who agreed they would provide reduced rates or payment terms and assistance during the time needed as the president had stated as well. I called several times and was hung up on several calls. I paid properly before that. I fought back as the reduced rate or payment never happened. The interest kept going up and they closed the account. There was never a question of owing. But I needed the amount worked out. Now a debt collector owes it and they call me looking for the wrong amount. 

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 2025-01-13 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: WV

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized and Inaccurate Information Dear Equifax Dispute Department, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and unauthorized Upon reviewing my credit report, I found the following item ( s ) that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX During this conversation customer service representative XXXX badge number # XXXX informed me that the address on file was also incorrect being reported 15 U.S.C. 1681b is part of the Fair Credit Reporting Act ( FCRA ), which regulates how consumer credit information is collected, shared, and used. Specifically, 1681b outlines the permissible purposes for which consumer reporting agencies may furnish consumer reports These items are unauthorized and unverifiable I kindly request that you investigate these discrepancies and provide a corrected version of the report. I believe that addressing these issues is crucial for maintaining the integrity of the information and for ensuring that all parties involved have accurate data. 

Please let me know how you plan to address this issue. I am hopeful for a prompt resolution and am happy to provide any additional information you may need during your investigation. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2025-01-13 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-13 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance 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 2025-01-13 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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