vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Date : XX/XX/year> RE : Failure to Respond to Identity Theft Request & Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This correspondence serves as a formal demand for immediate action regarding my previously submitted identity theft report. I submitted a written request notifying you of fraudulent accounts appearing on my credit report and provided supporting documentation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. Despite my valid request, you have failed to fulfill your legal obligation to block the fraudulent accounts within the required XXXX ( XXXX ) business days. This noncompliance is a direct violation of federal law. 

Under 15 U.S.C. 1681c-2 ( a ), once a consumer provides proper identification and an identity theft report, the consumer reporting agency must block the reporting of any fraudulent information related to identity theft within XXXX business days. Your failure to adhere to this provision constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, both of which provide for monetary damages, attorney fees, and other legal remedies. 

I demand the immediate and unconditional removal of the following fraudulent accounts listed on my ftc report : reference number : XXXX Additionally, I request written confirmation that these accounts have been blocked as required by law. Failure to comply within XXXX ( XXXX ) calendar days from the date of this letter will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action in a court of competent jurisdiction. 

This letter serves as formal notice of your statutory obligations, and any further delay in addressing this matter will be viewed as intentional noncompliance. I strongly advise your legal team to review this situation promptly to mitigate further liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I have tried to dispute the XXXX XXXX XXXX account with experian multiple times only for them to not do they're investigation properly or at all. XXXX it has been over 7 years that this has been on my credit file reporting negative charge off settled and paid off all in different times spans it first showed charged off then settled then paid off then back to charged off to reporting in the end back too negative I settled this debt already plus it has aged 7 years and 10 months and is still showing negatively Also I have reported inquires that I reported as fraud from XXXX XXXX, XXXX  XXXX XXXX, and XXXX that are only showing up with them that are not mine that they are reporting things that are incorrect XXXX XXXX has inquiries that are not mine also XXXX XXXX is not mine inquiries

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.

Complaint narrative:
XX/XX/year> they took {$1300.00} out of my bank account.leaving me and kids stranded at the gas pump with no money.ive never even heard of these people, let alone provided with any paperwork or anything about a garnishment. Thanks for running me with the XXXX number I've called and called and called it and waited and no one ever answered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 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 2025-03-12 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TN

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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I emailed United Wholesale Mortgage ( UWM ) at XXXX to notify them my husband, a XXXX XXXX, was granted 100 % service connection, permanent and total, retroactively as of XX/XX/XXXX, from the XXXX VA. 

XXXX XXXX, Georgia, offers a XXXX XXXX XXXX, which we requested to be made applicable to our home loan/mortgage with UWM for XXXX. 

While awaiting a response to this request, we were informed in XX/XX/XXXX after calling their customer service number that UWM, a veteran mortgage service lender, that UWM may initiate an escrow review in XX/XX/XXXX of our latest tax assessment ; however, they could opt to not adjust the mortgage. 

While awaiting the latest review, we received a letter notification stating our mortgage would be increasing due to insufficient escrow funds. 

We are requesting an analysis of our escrow account based on this new award letter, which should decrease the {$770.00} monthly requirement and lower our overall mortgage payment. Our monthly mortgage amount is {$3600.00}. 

I am requesting a response regarding our escrow being minimized or redacted from our monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
On XX/XX/XXXX my identity was stolen and someone applied for a XXXX XXXX account and activated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a report with XXXX In XXXX I had a data breach with Equifax and I have several accounts on my credit report that is not mine.

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 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am the victim of identity theft. My Social Security number and information was used to fraudulently open up a XXXX wireless cell phone contract. I have previously disputed the fraudulent collection account with Experian. I also filed a police report and a Federal Trade Commission identity, theft affidavit. The fraudulent collection with XXXX XXXX is still on my Experian account. Collection account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> social security number XXXX XXXX XXXX I also reached out to XXXX XXXX corporate relations letting them know about the fraud as well

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 2025-03-12 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally address the disputed items on my credit report, which were submitted on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I requested the removal or investigation of these accounts, but to date, I have not received validation of the disputed accounts, nor has an investigation been completed : XXXX XXXX XXXX, Dispute not completed in 30days. 
Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not completed in 30days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Outdated negative remarks not removed on accounts. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX : Outdated negative remarks not removed on accounts. 
Balance : {$2500.00} Balance : {$2300.00} Balance : {$1800.00} Balance : {$1300.00} Balance : {$330.00} XXXX XXXX Account # : XXXX Balance : {$510.00} Dispute not resolved in XXXX. Remove from my report. 

XXXX XXXX Account # : XXXX XXXX : {$2700.00} Dispute not resolved in XXXX, remove from report. 

XXXX ( XXXX Report } ) Account # : XXXX XXXX : {$4300.00} Dispute was not resolved in 30 days, remove from report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance reporting : {$470.00} Update by removing negative remarks, remove late payments from report, account was to be in hardship, dispute not resovled in 30 days. 

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 Dispute not resolved in 30 daysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not resolved in 30days, XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} Account wasnt validated, dispute wasnt resolved in 30 days. Remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Acct not validated, remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not resolved in 30 days, remove.

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 2025-03-12 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: NC

Complaint narrative:
I am writing to formally address the disputed items on my credit report, which were submitted on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I requested the removal or investigation of these accounts, but to date, I have not received validation of the disputed accounts, nor has an investigation been completed : XXXX XXXX XXXX, Dispute not completed in 30days. 
Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not completed in 30days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Outdated negative remarks not removed on accounts. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX : Outdated negative remarks not removed on accounts. 
Balance : {$2500.00} Balance : {$2300.00} Balance : {$1800.00} Balance : {$1300.00} Balance : {$330.00} XXXX XXXX Account # : XXXX Balance : {$510.00} Dispute not resolved in XXXX. Remove from my report. 

XXXX XXXX Account # : XXXX XXXX : {$2700.00} Dispute not resolved in XXXX, remove from report. 

XXXX ( XXXX Report } ) Account # : XXXX XXXX : {$4300.00} Dispute was not resolved in 30 days, remove from report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance reporting : {$470.00} Update by removing negative remarks, remove late payments from report, account was to be in hardship, dispute not resovled in 30 days. 

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 Dispute not resolved in 30 daysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not resolved in 30days, XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} Account wasnt validated, dispute wasnt resolved in 30 days. Remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Acct not validated, remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not resolved in 30 days, remove.

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 2025-03-12 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2025-03-12 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2025-03-12 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX 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 2025-03-12 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-12 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: FL

Complaint narrative:
am disputing several late payments reported by multiple creditors on my credit report. These late payments were not a result of negligence on my part but instead were caused by circumstances beyond my control, including technical errors with automatic payments, processing delays, and miscommunications regarding billing cycles. 

I have already attempted to resolve these inaccuracies directly with the creditors, but they have either failed to provide proper verification of the reported late payments or have refused to correct them despite my valid disputes. Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's guidelines, I have the right to dispute any inaccurate, unfair, or unverifiable information on my credit report. 

Attached to this complaint, I have included individual dispute letters for each late payment in question, detailing the specific accounts and reporting errors. I request that the CFPB review these disputes, hold the creditors accountable for inaccurate reporting, and ensure that the errors are corrected in compliance with federal law.

Failure to correct these inaccuracies may result in further action, including filing complaints with other regulatory agencies and pursuing legal remedies. Please investigate this matter promptly.

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