vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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

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

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

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

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 2025-02-06 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-06 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:
In XX/XX/year>, I disputed several items that were incorrect on my credit report. I do not believe that the investigation was conducted properly, since the incorrect items were not fixed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Equifax, transunion, experian does reflect the same information as experian and transunion the scores aren't the same the information are not the same across a three credit Bureau and my information of address and phone number & name is public information without my permission has left me victim to 3rd parties collections and fraud which has greatly impacted my credit score and affected me mentally physically and emotionally as a mother of XXXX kids from getting housing, food, and financial security or assistance when my score should reflect in the XXXX across all bureau I want to be financial compensationed the traumatic, hardship this has had on me & my kids.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Equifax, transunion, experian does reflect the same information as experian and transunion the scores aren't the same the information are not the same across a three credit Bureau and my information of address and phone number & name is public information without my permission has left me victim to 3rd parties collections and fraud which has greatly impacted my credit score and affected me mentally physically and emotionally as a mother of XXXX kids from getting housing, food, and financial security or assistance when my score should reflect in the XXXX across all bureau I want to be financial compensationed the traumatic, hardship this has had on me & my kids.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My information was exposed in the data breach. I am not aware of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-06 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA XXXX U.S. CXXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) XXXX, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against the Credit reporting agencies due to their violations of the Fair Credit Reporting Act ( FCRA ) and the resulting harm to my credit. Specifically, Experian, Transunion and Equifax has failed to comply with their legal obligations under the FCRA, including but not limited to the following : 1. **Failure to Ensure Maximum Possible Accuracy ( 1681e ( b ) ) : ** Experian has reported inaccurate or outdated information on my credit report, which they are required to ensure is accurate and reflective of current data. This has directly harmed my credit score and financial standing.

2. **Failure to Conduct a Reasonable Investigation of Disputes ( 1681i ( a ) ) : ** I have submitted 2 disputes regarding the inaccuracies on my credit report. However, Experian, Transunion and Equifax failed to conduct a reasonable investigation or correct the errors within the 30-day time frame required by the FCRA.

3. **Failure to Provide Notice of Dispute Results ( 1681i ( a ) ( 6 ) ) : ** Despite filing disputes, I did not receive adequate notification of the results of their investigations or the basis for their decisions, as required by law.

4. **Failure to Address Data Furnishers ' Noncompliance ( 1681s-2 ( b ) ) : ** They have continued to report erroneous information supplied by data furnishers, even after being notified of its inaccuracy. They have an obligation to ensure data furnishers comply with the FCRA.

These violations have caused significant financial harm, including e.g. a substantial drop in my credit score, denial of credit applications, difficulty securing housing and employment. I believe these actions are systemic and reflective of CRA 'S broader disregard for consumer rights, as evidenced by the recent CFPB lawsuit addressing similar misconduct.

I respectfully request the CFPB to investigate the violations of the FCRA and take appropriate enforcement action to ensure compliance with consumer protection laws. Enclosed, I am providing the following supporting documents to substantiate my claims : - Copies of my credit report showing inaccuracies - Dispute correspondence with Experian, including dates and outcomes - Additional documentation reflecting the negative consequences of their reporting practices Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against the Credit reporting agencies due to their violations of the Fair Credit Reporting Act ( FCRA ) and the resulting harm to my credit. Specifically, Experian, Transunion and Equifax has failed to comply with their legal obligations under the FCRA, including but not limited to the following : 1. **Failure to Ensure Maximum Possible Accuracy ( 1681e ( b ) ) : ** Experian has reported inaccurate or outdated information on my credit report, which they are required to ensure is accurate and reflective of current data. This has directly harmed my credit score and financial standing.

2. **Failure to Conduct a Reasonable Investigation of Disputes ( 1681i ( a ) ) : ** I have submitted 2 disputes regarding the inaccuracies on my credit report. However, Experian, Transunion and Equifax failed to conduct a reasonable investigation or correct the errors within the 30-day time frame required by the FCRA.

3. **Failure to Provide Notice of Dispute Results ( 1681i ( a ) ( 6 ) ) : ** Despite filing disputes, I did not receive adequate notification of the results of their investigations or the basis for their decisions, as required by law.

4. **Failure to Address Data Furnishers ' Noncompliance ( 1681s-2 ( b ) ) : ** They have continued to report erroneous information supplied by data furnishers, even after being notified of its inaccuracy. They have an obligation to ensure data furnishers comply with the FCRA.

These violations have caused significant financial harm, including e.g. a substantial drop in my credit score, denial of credit applications, difficulty securing housing and employment. I believe these actions are systemic and reflective of CRA 'S broader disregard for consumer rights, as evidenced by the recent CFPB lawsuit addressing similar misconduct.

I respectfully request the CFPB to investigate the violations of the FCRA and take appropriate enforcement action to ensure compliance with consumer protection laws. Enclosed, I am providing the following supporting documents to substantiate my claims : - Copies of my credit report showing inaccuracies - Dispute correspondence with Experian, including dates and outcomes - Additional documentation reflecting the negative consequences of their reporting practices Thank you for your attention to 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 2025-02-06 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
Dear The Bureaus, I am writing to formally dispute the debt associated with my name and account number [ insert account number ], as I believe this debt does not belong to me. I request that you investigate this matter and remove this account from your records. 

My personal information has been compromised due to a data breach, specifically referred to as engagement XXXX with XXXX XXXX. Additionally, I am concerned about the XXXX data breach, which involves violations related to XXXX U.S.C. XXXX. Given these circumstances, I believe that I am a victim of identity theft, which could be a contributing factor to this erroneous account being attributed to me. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and based on the provisions in XXXX U.S.C. XXXX and XXXX U.S.C. XXXX, I am requesting the removal of all accounts that are incorrectly associated with my name. I expect that you will investigate this claim and provide a resolution promptly. 

Furthermore, I kindly request that you provide written confirmation of your findings, along with any supporting documentation that validates the existence of this debt. As you are aware, I have the right to dispute any debt that is reported inaccurately. To our knowledge and findings there is several accounts under your company. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
Hey XXXX XXXX XXXX XXXX and this is not a third party filing this complaint. I am overly frustrated with the investigation into the inaccurate accounts reporting on my consumer report. Ive given them over 60 days and they have failed to properly investigate my issues. At this moment I would have to Demand immediate removal of attached accounts. 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 2025-02-06 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: PA

Complaint narrative:
Hey XXXX XXXX XXXX XXXX and this is not a third party filing this complaint. I am overly frustrated with the investigation into the inaccurate accounts reporting on my consumer report. Ive given them over 60 days and they have failed to properly investigate my issues. At this moment I would have to Demand immediate removal of attached accounts. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation