vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: AR

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: AR

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Federated Student Loan Services
State: TX

Complaint narrative:
Hard inquiries from credit bureau that keep reopen and hurt my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit file by XXXX XXXX student loans, credit card Upon reviewing my credit report, I noticed several discrepancies in the following account : Creditor/Agency Name : Account Number : The specific inaccuracies I have identified include : 1. Incorrect Name : The name associated with the account does not match my legal name.

2. Wrong Account Amount : The balance being reported is inaccurate.

3. Incorrect Address : The address associated with this account is not mine or is outdated.

4. Account Ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
XXXX XXXX Subject : Formal Request for Account Removal Due to Improper Investigation Practices Dear XXXX and Equifax, I am writing to formally dispute the accuracy of the following accounts currently listed on my credit report and request their removal due to a failure to comply with proper investigation procedures as outlined under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough and accurate investigation of disputed accounts. Furthermore, Section 611 ( a ) ( 5 ) ( A ) mandates that inaccurate or unverifiable information must be promptly deleted from the consumers file. In this instance, the investigation conducted on these accounts failed to meet these requirements due to the following reasons : 1. Lack of Proper Verification : The responses provided as part of the investigation did not include sufficient documentation or proof to validate the accuracy of the reported accounts.

2. Failure to Obtain Adequate Documentation from Furnishers : The investigation relied solely on electronic data verification, which does not constitute a valid method of compliance under the FCRA.

3. Incomplete Investigation Practices The investigation failed to address specific evidence I provided in my initial dispute, leaving unresolved questions about the accuracy of the accounts. 

Given these procedural violations, I am requesting that the above-referenced accounts be permanently removed from my credit report. Failure to address these issues not only violates the FCRA but also undermines my rights as a consumer to have an accurate and fair credit report. 

I am also requesting that you provide the following within the legally required time frame : - Documentation and evidence used to verify the accuracy of these accounts. 
- Details of the investigation process conducted, including communications with the furnishers. 

If the credit bureau can not provide proper verification as required under the FCRA, the accounts must be deleted immediately. 

I appreciate your immediate attention to this matter. Please provide confirmation of the actions taken regarding this dispute in writing within the required time frame of 4 days. Should you need additional information, feel free to contact me directly at the email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
OK, it looks like somewhere in XXXX. 
There was a XXXX XXXX and a credit credit cards open in my name after I open app a bank account with XXXX. Some funds and stuff were drawn out of my account. Address the situation with XXXX. But I've never had any credit card ever. I mean, I'm in a credit card. I wouldn't think I'd awake to before. I made it to the age XXXX. To get a line of credit, I think I was going fine without a credit card but that's Around the time all of them suffered data breaches starting from 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
Been trying dispute off my credit I do not this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 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 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 2025-01-25 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:
There are two hard inquiries in my report that do not belong to me. I dont have those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
XXXX XXXXXXXX Account XXXX Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft. 

This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that you, theEQUIFAX, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
XXXX XXXX XXXXount XXXX Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Equifax did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, Equifax also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because Equifax failed to correct the information the first time, or because Equifax reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, Equifax reported credit information that it should have blocked because the information resulted from identity theft. 

This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you, theEQUIFAX, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Never received the card nor any statements in the mail regarding this account. 

I first called on XX/XX/XXXX at XXXX, and the agent that answered stated that he was unable to locate my account using my address, telephone number and last XXXX of XXXX. He asked for the account number, which i hadn't yet received and as such was unknown by me. 

On XX/XX/XXXX at XXXX, i called once more, increasing concerned by the lack of receiving any correspondence regarding the account via postal mail, as was given the same answer. Frustrated, i attempted to go to my local XXXX XXXX store. I arrived after business hours. 

On XX/XX/XXXX at XXXX, i called and was immediately transferred to their collections department, who offered nothing more than to take a payment over the phone. I explained that due to my previously being the victim of identity theft and fraud, i needed a paper hardcopy record of my account information and any payments i make, and that some random man taking a payment over the phone was not something that i was comfortable with. He transferred me to his supervisor, and i even proceeded to offer to make a lump sum payment via check and close the account, and i reiterated that i needed a paper record of the payment and the relevant account information. 

The female supervisor rushed to place the blame on the XXXX and say it's not their problem that i haven't received any of the relevant statements or documents. I asked if they can send them via a XXXX  envelope or similar, and offered to pay the associated costs, she refused. She stated that the only alternative to XXXX is for me to sign up for an account and enroll is paperless, which requires the account number to sign up. I asked if she could give me the account number, and she blatantly refused stating " we can't provide that to you over the phone ''. Prior to ending the call, she went out of her way to state " i will note your account as refusal to pay '', which is evidently and factually false. 

**Just as Comenity Bank XXXX all of my calls are recorded and encrypted. I am happy to provide the recordings and records, but your system will not allow me to attach ogg audio format files. Please advise of an alternate, if available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
Re : DEMAND FOR DELETION OF BANKRUPTCY REPORTING To Whom It May Concern : I am writing to formally demand the immediate deletion of a bankruptcy reporting from my credit report, as your agency has no legal or factual basis to continue reporting this information. Courts do not report bankruptcy information directly to credit reporting agencies, and inquiries with XXXX and XXXX confirm that they do not furnish such data to you. 

Your continued reporting of this information is both erroneous and a violation of consumer protection laws, including but not limited to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates that all data reported must be accurate, verifiable, and not misleading. 

This inaccuracy has caused me significant harm, including emotional distress, denial of credit, and the inability to secure essential resources necessary for daily life. The FCRA entitles me to demand that you verify the accuracy of the information in question. As you can not validate its accuracy through permissible sources, you are legally required to delete this erroneous data under XXXX XXXX. XXXX. 

Furthermore, your continued negligence in maintaining the accuracy of your reporting demonstrates a reckless disregard for your obligations under the FCRA. This is especially egregious as you have been notified that no valid source, including the courts, directly furnishes the data to you. 

I must remind you of your liability for both compensatory and punitive damages for willful non-compliance under XXXX XXXX. XXXX. If this matter is not resolved within [ XXXX ] days of your receipt of this letter, I will have no alternative but to seek judicial relief, including filing a lawsuit for emotional distress and other damages caused by your unlawful practices. 

This letter also serves as notice of my intent to pursue all remedies available under the law, including a jury trial, if necessary, to enforce my rights. 

I demand written confirmation of the deletion of the bankruptcy reporting from my credit file within the specified time frame. Failure to comply will result in immediate legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I filed a dispute on Account number XXXX regarding the date the account is showing for its " opened date '' being inaccurate. It was opened in XXXX and is being reported as being opened in XXXX. 

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
It alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
I am formally notify you of my intent to sue Experian for failing to conduct a legitimate investigation regarding disputed accounts on my credit report. Despite submitting police reports, FTC reports, Better Business Bureau reports, and Attorney General reports, Experian has not removed these disputed accounts which violates my rights under the FCRA and the FDCPA. I have submitted the following documents requested by Experian for the removal of the disputed accounts. Under the FCRA, Experian is required to conduct a reasonable and thorough investigation into the disputed accounts and correct inaccuracies on my credit report. Additionally, the FDCPA mandates that all collections practices must be fair and accurate. Experian 's failure to investigate these disputes adequately constitutes a violation of both statues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA clearly states a consumer credit reporting agency can not furnish a account without my written instructions. I did not sign a contract with XXXX XXXX XXXX XXXX. I asked Experian to produce me the contract on both disputed accounts that bears my signature. I didn't not received any such documents. In the case of XXXX XXXX XXXX, it was established that the failure to report inaccuracies on a consumer 's credit report, ultimately affecting individuals access to credit and financial opportunities. 
Sincerely, 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 2025-01-25 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre 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 just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: SLM CORPORATION
State: TX

Complaint narrative:
XXXX was notified that an account in my name was opened as a result of identity theft. Even with the notice, they refused to remove the error. XXXX was provided with multiple police reports and XXXX report showing their account was a result of identity theft. XXXX, despite clear and adequate documentation, has refused to remove the error. I have placed multiple calls and enaged in multiple conversations with XXXX escalation department to resolve the matter. The only option I was given by XXXX, was to settle the dept even though it wasnt mine. The account was accumulating lates and damaging my credit and with no other options I agreed to settle the damagign account to my credit. I was told that the account would immediatly be removed from my credit by the next month if I agreed to this fraud settlement. Well even after settling this fraud charge to stop the bleeding on my credit, XXXX still did not remove the error and it has continued on my credit for several months due to XXXX 's lies and clear negligence! 

Experian credit reporting was also involved in this deception. Experian with legal obligations to protect the consumer did nothing to protect me as a consumer. I contacted XXXX on multiple occasions regarding XXXX identity theft scandal and XXXX did nothing to resolve the matter even after following the outlines of their policy. I was told to send a police report or FTC report of Identity theft and this would be used to block the fraudulant charges. XXXX recieved the police report/FTC report and did nothing to remove the fraudulant account. Till today, XXXX has continued to break the law and remain complicit in the Identity theft fraud they continue to report illegal with XXXX. They also continue to report another identity theft account from Sallie Mae despite recieving clear documentation of fraud. 

Sallie Mae has been directly notified of a seperate identity theft purchase by a likely family member and they have continued to report the inaccurate information along with XXXX. Despite both organizations recieving legal notification from the federal trade commision that they are reporting incorrectly due to Identity theft. Both companies continue to break the law and the Fair Credit Act by actively being complicit in illegaly reporting a known error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation