vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The ( 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 too adequately notify consumers of dispute outcome. These failures align with my experience where Experian has neither corrected nor remove disputed accounts, as Experian inaction violates federal law and my rights as a consumer. I have not been able to place a dispute online I have called them, and they tell me they will fix the problem, but they have 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 explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
Dear I am writing to formally dispute an account that has been fraudulently reported on my credit file due to identity theft. The details of the fraudulent account are as follows : Collection Agency XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$2800.00} Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX I did not authorize this account, nor did I enter into any agreement with the original creditor. This account is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and deletion of this fraudulent account from my credit report.

To support my dispute, I have enclosed : 1A copy of my FTC Identity Theft Report 2A copy of my government-issued identification According to the FCRA, you are legally required to remove fraudulent information resulting from identity theft. I demand that you : 1Immediately delete this fraudulent account from my credit report 2Send me an updated credit report reflecting this deletion 3Provide written confirmation that this account has been removed If this fraudulent account is not removed within the required four-day blocking period, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and pursue legal remedies as necessary.

I appreciate your prompt attention to this matter. Please confirm the deletion of this fraudulent account in writing. You may send your response to the address listed 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 2025-02-27 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:
Dear I am writing to formally dispute an account that has been fraudulently reported on my credit file due to identity theft. The details of the fraudulent account are as follows : Collection Agency XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$2800.00} Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX I did not authorize this account, nor did I enter into any agreement with the original creditor. This account is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and deletion of this fraudulent account from my credit report.

To support my dispute, I have enclosed : 1A copy of my FTC Identity Theft Report 2A copy of my government-issued identification According to the FCRA, you are legally required to remove fraudulent information resulting from identity theft. I demand that you : 1Immediately delete this fraudulent account from my credit report 2Send me an updated credit report reflecting this deletion 3Provide written confirmation that this account has been removed If this fraudulent account is not removed within the required four-day blocking period, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and pursue legal remedies as necessary.

I appreciate your prompt attention to this matter. Please confirm the deletion of this fraudulent account in writing. You may send your response to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX credit report. 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 as proof from the US Federal Trade Commission that all 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 2025-02-27 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I demand all this inaccurate report be deleted immediately They are violating 15 U.S. Code 5 1681i.

. This information is entirely inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$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 2025-02-27 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:
I am submitting a formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting the immediate blocking and deletion of fraudulent accounts, collections, and inquiries on my credit report that have resulted from identity theft. These accounts, which I did not open, authorize, or initiate, include entries with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These fraudulent items have appeared due to unauthorized activity and do not reflect my credit history or consent.

As required by law, I request that all fraudulent accounts, inquiries, and collections be blocked and deleted from my credit file within four business days of receiving this dispute. Enclosed are supporting documents, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( Case # Private ), and my credit report highlighting the fraudulent entries. I also request written confirmation of the actions taken to address these fraudulent items.

I appreciate your prompt attention to this matter and expect a response in compliance with the Fair Credit Reporting Act. If additional information is needed, I am available by email or phone.

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 2025-02-27 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXXXXXX Balance {$7900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$6300.00}

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 2025-02-27 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 non-monetary relief
Consumer complaint received 2025-02-27 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: Experian Information Solutions 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 2025-02-27 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX Code XXXX - Procedure in case of disputed accuracy, and XXXX XXXX Code XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX 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 2025-02-27 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-02-27 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my 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 XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX BALANCED {$3200.00} XXXX XXXX XXXX BALANCED {$2300.00} XXXX XXXX BALANCED {$240.00} XXXX XXXXXXXX BALANCED {$2000.00} XXXX XXXX XXXX XXXX BALANCED {$1500.00}

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 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
The school that was attended ended up being fradulant. I requested information on how to resolve this matter and received nothing. This loan is affecting my credit score and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NJ

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX and the credit bureaus ( XXXX, Equifax, and XXXX ) for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws. 

I have identified the following issues regarding my credit report and the collection efforts by XXXX XXXX XXXX and the credit bureaus : Violation of the XXXX Rule for Reporting Debts Under 15 U.S. Code 1681s-2 ( FCRA ), if a debt has been sold to a third party, such as XXXX XXXX XXXX, and XXXX XXXX 180 days old, I am not obligated to pay the debt directly to the new creditor ( XXXX XXXX XXXX ). This is a crucial consumer protection rule. 

The debt was sold to XXXX XXXX XXXX, and I have learned that it is over 180 days old. 
As a result, according to FCRA Section 1681s-2, I am not liable to the furnisher ( XXXX XXXX XXXX ) for this debt under any direct payment obligations. 
I am requesting that XXXX XXXX XXXX and the credit bureaus remove any derogatory marks on my credit report that may be associated with this XXXX debt that has been sold. 

Violation of Written Consent Requirement According to the Fair Credit Reporting Act ( FCRA ), Section 1681b outlines that credit bureaus and furnishers are required to receive written consent from consumers before any information is added to a credit report. They never received my written consent. This includes any accounts or credit information being furnished to the bureaus for reporting purposes. Which means they are committing fraud. 

XXXX XXXX XXXX and the credit bureaus have failed to provide evidence that I granted written consent for the furnishing of the debt to any of the credit bureaus ( XXXX, Equifax, XXXX ). 
Without my written consent, XXXX XXXX XXXX and the credit bureaus are violating my rights under this FCRA provision. 
I request that XXXX XXXX XXXX and the credit bureaus provide written evidence of my consent, or I demand the removal of the debt and any related derogatory marks from my credit report. 

Reporting of Derogatory Marks without Legal Basis Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), it is illegal for any furnisher to report inaccurate or misleading information. Specifically : The debt reported by XXXX XXXX XXXX is incorrect, as I do not owe the debt due to the passage of more than 180 days since it was sold to them. 
The derogatory remarks on my credit report are not justifiable under the laws governing debt reporting, particularly the FCRA and FDCPA. 
I request that XXXX XXXX XXXX and the credit bureaus immediately remove any derogatory remarks or late payment reports that are incorrect and do not reflect the actual state of my debt obligations, as per FCRA Section 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX  : Account number : 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 APPEARINTG 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, DATA 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