vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 formally dispute information on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I have noticed that despite these two account being charged off and closed on XX/XX/XXXX and XX/XX/XXXX, monthly late payments have been reported on my credit report continuously for the past six years, which is well beyond the permissible reporting period under the FCRA. Here are the specific issues : 1. Inaccurate Reporting : Under Section 605 ( a ) ( 4 ) of the FCRA, most negative items, including charge-offs and late payments, can remain on a credit report for only 7 years from the date of first delinquency. The continuous reporting of late payments after the accounts were charged off and closed is not only inaccurate but also extends the period beyond what is legally allowed. 

2. Violation of FCRA : The act of reporting new late payments on an account that has been charged off and closed suggests an attempt to extend the statute of limitations or misrepresent the account 's status, which is a violation of Section 623 of the FCRA. This section requires furnishers of information to ensure the accuracy of the data provided to credit reporting agencies. 

3. Deceptive Practice : This practice could be considered misleading under the Consumer Financial Protection Bureau 's ( CFPB ) regulations, as it misrepresents my current creditworthiness and financial status. 

I request that you : - Investigate this matter promptly under Section 611 of the FCRA. 
- Remove all inaccurate, outdated, or erroneous entries related to this account from my credit report. 
- Ensure that no further updates are made to this account as if it were still active. 
- Provide me with a written confirmation of the actions taken to correct my credit report. 

Please acknowledge receipt of this dispute and inform me of the status of the investigation within 30 days as required by law. 

I have enclosed a copy of my credit report highlighting the disputed items and additional documentation related to the account 's status. I am prepared to provide further documentation or information if needed. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: WI

Complaint narrative:
Due to a significant data breach and subsequent identity theft, my personal and financial information has been compromised. This has led to unauthorized activity on my credit reports, negatively affecting my financial standing and security. Given the extent of the breach and its impact, I respectfully request that my credit record be cleared to restore my financial integrity and prevent further exploitation. Taking this step ensures fairness and accountability while allowing me to recover from this incident effectively. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WI

Complaint narrative:
Due to a significant data breach and subsequent identity theft, my personal and financial information has been compromised. This has led to unauthorized activity on my credit reports, negatively affecting my financial standing and security. Given the extent of the breach and its impact, I respectfully request that my credit record be cleared to restore my financial integrity and prevent further exploitation. Taking this step ensures fairness and accountability while allowing me to recover from this incident effectively. Thank you for your 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In XX/XX/year>, I received a notification regarding my credit report that showed an unauthorized charge from XXXX. I called XXXX to inquire about this charge, and after discussing the matter with their representative, we confirmed that it was indeed fraudulent. I was advised to open a dispute with Experian, which I did. Experian responded within a couple of days with the following information : Account - XXXX XXXX The company that reported the information to Experian has verified that it is accurate. 
I proceeded to follow up with XXXX and was advised by a representative that they're still working on the fraudulent activity, so it did not make sense that Experian already had a response. 
Experian has not fulfilled its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of the disputed items on my credit report. As a result, there are still inaccurate or unverifiable accounts that remain unaddressed. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to inform consumers about the outcomes of their disputes. These issues mirror my experience, as Experian has not corrected or removed the disputed items despite the evidence I submitted. This ongoing inaction has adversely affected my credit standing. Therefore, I am requesting immediate corrective action to either remove or amend the disputed accounts. Experian 's failure to act constitutes a violation of federal law and infringes upon 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 2025-01-22 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: MI

Complaint narrative:
It proves it shows up on my credit report with XXXX as a charge off and I have yet to receive my 1099c and I paid XXXX XX/XX/year> they received double payments which is fraudulent activity

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-22 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have emailed Truist to escalate this dispute as they are currently denying my claim of fraud. Here is a copy of the email and info of the fraud perpetrated on me with Truist expecting me to pay while not investigating further into this elaborate fraud. Case # XXXX This case clearly involves a higher level of fraud activity warranting further investigation and getting other parties involved. As stated, the card bearing my name with the last XXXX digits of **** was not used for quite some time. This card along with other documents and cards I dont typically use or carry were in my gun safe which also contains NFA items, so no other person has access to this safe by law. The card had to be breached in one of the many hacks or leaks from previous years, XXXX convenient stores for example and could not have been accessed physically. 

Not only have I never had a XXXX account but the credit history for **** specifically bearing my name was not being used, then out of nowhere several XXXX purchases were made. Around this time I started receiving paper thin plastic envelopes with literal trash of package label backings in them or some crudely printed out card stock with spam on them weighing no more than 17oz listed on the shipping labels. At first I didnt think much of it and may have thrown a couple away but when several started showing up I began to keep them to investigate myself.

From my research it looked like it was a Brushing scam but after getting a letter from Truist stating fraudulent charges were reversed with print outs of tracking I double checked these shady packages and one of the tracking numbers matched one you all reverse charged back to me.

All of the packages have the same 2 or 3 return addresses on them and appear to be regular peoples stolen addresses. This case indicates a person or persons has a XXXX business account or is in league with one where they make fraudulent purchases and then ship out fake empty packages in an attempt to cover up the fraud being committed. 

XXXX is already known to be rife with scams and to trust they are doing their due diligence is foolish. This case could easily be tracked by checking the IP addresses of the purchases and tracking down that seller and who was purchasing shipping labels and from where, the email addresses and bank accounts associated et cet.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-22 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:
I am formally disputing the late payment entries on my credit report : 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 These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal 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 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and the following account does nit belong to me XXXX XXXX XXXX please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
This is in direct response to the ineffectiveness of the Investigation of the credit reporting agencies. My name is XXXX XXXX XXXX and this is not a third party. At this moment I would have to demand all attached accounts be removed immediately. I have given them well over 60 days to investigate this matter and they have not done an accurate investigation. I have attached all those accounts in question with proof. 
Please review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
This is in direct response to the ineffectiveness of the Investigation of the credit reporting agencies. My name is XXXX XXXX XXXX and this is not a third party. At this moment I would have to demand all attached accounts be removed immediately. I have given them well over 60 days to investigate this matter and they have not done an accurate investigation. I have attached all those accounts in question with proof. 
Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-01-22 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am disputing the collection account with XXXX account number XXXX dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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