vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-10 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: PA

Complaint narrative:
My information has been sold to companies I do not recognize, I did not approve of any on these transactions. XXXX actually not sure what/where the debit are coming from.

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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: GA

Complaint narrative:
[ Your name ] [ Your return address ] [ Date ] [ Debt collector name ] [ Debt collector Address ] Re : Dear Americollect, I am responding to your contact about a debt you are attempting to collect. You contacted me by [ phone/mail ], on [ date ]. You identified the debt as [ any information they gave you about the debt ]. 

Please stop all communication with me and this address about this debt. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX and Bull City Financial for Unlawful Reporting Practices To Whom It May Concern, I am writing to file a formal complaint against XXXX and Bull City Financial regarding the inaccurate and unauthorized reporting of a debt on my credit report. This erroneous entry has adversely affected my creditworthiness, and both entities have failed to adhere to their legal obligations under federal law. 

Background : Upon reviewing my credit report, I discovered an account reported by Bull City Financial that I do not recognize and believe does not belong to me. I have never received any communication from Bull City Financialwhether by mail, email, or phoneinforming me of this alleged debt or providing me with an opportunity to dispute its validity before it was reported to XXXX. This lack of communication violates the Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors must notify consumers about any debt and provide them with an opportunity to dispute it before reporting it to credit bureaus.

Actions Taken : 1. Dispute with XXXX : I promptly filed a dispute with XXXX, providing all necessary information to support my claim that the debt is not mine. Despite this, XXXX has continued to report the erroneous account without conducting a proper investigation or providing me with any documentation verifying the debts legitimacy.

2. Attempted Contact with Bull City Financial : I attempted to contact Bull City Financial to obtain validation of the debt, including any contracts or agreements bearing my signature. However, they have failed to respond to my requests, further violating my rights under the FDCPA.

Violations : Bull City Financial : By not notifying me of the alleged debt and denying me the opportunity to dispute it before reporting it to XXXX, Bull City Financial has violated the FDCPAs requirements for debt validation and consumer notification. 
XXXX : By continuing to report the disputed debt without proper investigation or validation, XXXX has violated the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to maintain accurate information and conduct reasonable investigations into disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IN

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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. 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 XXXX 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 2025-03-10 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: WV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
Experian did not fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable and thorough reinvestigation of disputed information on my credit reporting. This has resulted in the continuous inaccurate reporting 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 to adequately notify consumer of disputed information outcomes. These failures align with my experiences and multiple attempts 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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Magnum Association Services
State: GA

Complaint narrative:
I notified XXXX XXXX at XXXX, XXXX, and XXXX and XXXX XXXX XXXX on XX/XX/XXXX via email and certified mail that I have a valid legal dispute with XXXX XXXX XXXX and as such to relay any and all communication to my attorney. They then hired a collection company XXXX plus to try to collect this disputed debt. I again informed all parties I am represented by an attorney and not to contact me in accordance with the FCPA. I then on XX/XX/XXXX received another collection attempt via certified mail, from Magnum Service LLC which is XXXX XXXX XXXX in house collection agency listed on their website and I emailed them to contact my attorney as this is a valid legal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3100.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX -- {$730.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$760.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$8300.00} XXXX # XXXX XX/XX/XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
Proper validation of debt was never received. I sent out several dispute letters regarding proof of authorizing a debt to be reported on my credit report. The most recent disputed mailed on on XX/XX/XXXX via certified mail. Since that reinvestigation request, the dispute has been closed, yet again, without providing verifiable proof from the creditor. The items i asked of the bureau lists as the following ; 1. The name of the creditor 2. The creditors address and telephone number 3. The person\ 's name who verified the dispute 4. Valid documentation used to validate this dispute 5. In conjunction, the procedures your has in position to ensure each account reported is 100 % accurate which I have uncertainty. 

None of the information requested has been sent or fully verified, which is violating my consumer rights. Please see the attached documents as proof of my requests. I also sent out dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted the creditor and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. I also filed a FTC report already for the inaccurate account on XX/XX/XXXX which was disregarded as well. I am highly disappointed in their efforts, and failed attempt to remove the inaccurate account from my credit profile. This must be addressed immediately as my rights have been violated.

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 2025-03-11 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 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: CO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. As part of the financing process, the dealership required access to my credit report through **TransUnion**. However, I discovered that my **XXXX** account ( TransUnions identity protection service ) was locked due to errors on their part. Specifically, TransUnion had added several unauthorized individuals to my account, which prevented me from unlocking my credit report. 

Despite multiple attempts to contact XXXXTransUnion to resolve the issue, they were unable to unlock my account in a timely manner. I was told the issue would be fixed, but I did not receive any updates or resolution for an extended period. Although they claimed the issue was resolved a couple of days ago, they failed to notify me, and the problem was only **barely resolved today, XX/XX/XXXX, XXXX. As a result, my auto loan application was denied because the lender could not access my credit report. This has caused significant complications with the dealership, and I am now concerned that they may repossess the vehicle I was driving due to the unresolved financing issue. 

Additionally, the dealership may have already sold my trade-in vehicle, leaving me without compensation for its value. TransUnions failure to maintain accurate credit information and resolve the issue promptly has caused me significant financial harm, emotional distress, and unnecessary inconvenience. 

I am requesting assistance in resolving this matter and holding TransUnion accountable for their errors and failure to act in a timely manner.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX Account XXXX date last active not reporting correctly shows date of XX/XX/XXXX on Transunion also shows last report date of XX/XX/XXXX date opened is XX/XX/XXXX experian date of being opened is XXXX XXXX last date of activity is XX/XX/XXXX. XXXX shows last date of activity XX/XX/XXXX and last payment XX/XX/XXXX transnunion shows no payment history and XXXX and XXXX dates are not correct for payment history and collection status I am asking you to reinvestigate this account XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC XXXX They also violated 15 USC XXXX ( 5 ) Can you look into 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Child support debt that was paid in full over 10 years ago and the account shows paid as agreed. Both are the same debt but shows different on the credit reporting reporting sites. 

XXXX XXXX XXXX  Account XXXX Florida Dept of revenue Account XXXX XXXXXXXX

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 2025-03-10 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-10 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: MA

Complaint narrative:
Ive called equifax and I've submitted 8 different things from XXXX and the collection agency. Equifax is refusing to take it off my credit report and stating that they done the research into the account. This is a lie and they are not doing their job. I will get me a lawyer at this point

Company response to consumer: Closed with explanation