vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing.I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently the Consumer financial protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes citing, sham investigations, and other unlawful practices these practices outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may have been mishandled in a similar manner. 
Please review the inaccurate information being reported.

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 2025-02-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Demand for Immediate Removal of Unauthorized Account and Compensation for Violations Dear XXXX XXXX XXXX, I am writing to formally dispute the account ending in XXXX, which you have fraudulently acquired and reported under my name. I did not give consent for my information to be bought, sold, or used by your company, and you have no contract with me that bears my wet-ink signature to validate your claims.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), you are required to provide verification of any alleged debt, including a signed contract between myself and the original creditor. If you have purchased this debt, I demand that you provide : 1. Proof of the buyout contract from the original creditor, including the amount you paid for the account.

2. The original contract that contains my wet-ink signature proving I agreed to this debt.

Additionally, your unauthorized acquisition and use of my personal information without consent violate federal identity theft protections. I have already submitted an Identity Theft Report with the Federal Trade Commission ( FTC ) ( Report No. XXXX ), and this matter is being documented for legal action. 

Per the FCRA, you are now required to : Immediately delete this account from all credit reporting agencies. 
Cease all collection activities related to this account. 

Failure to comply will result in legal action, as your violations have caused me emotional distress and financial harm. I am demanding {$1000.00} for statutory damages under the FDCPA and an additional {$5000.00} for emotional distress, payable to XXXX XXXX XXXX at the address provided above.

This letter serves as official notice under 15 U.S.C. 1692c ( c ) that you must cease all communications with me regarding this matter unless providing written proof as requested.

Please respond within 15 days of receiving this letter. If you fail to comply, I will pursue legal action and report your violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
Upon checking my consumer credit I Noticed several alarming account that DO NOT BELONG TO ME! XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  account # XXXX has failed to respond to my concern regarding my credit file. Under the FCRA, I can seek statutory damages if A creditor furnishes inaccurate information about DEBT, such as incorrectly reporting A charge off while claiming I owe a debt. I have requested for VALIDATION and never received any information on these accounts. I want to know what reasonable procedures that were taken in the investigation and verifying the information on this erroneous debt, I am asking AGAIN for all file disclosers and the full sale file and ORIGIANL CONTRACT of this DEBT. According to federal law ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. It is an federal crime to keep verifying an account without full DISCLOSURE 15 USC 1681G, SECTION 1-3

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
Upon checking my consumer credit I Noticed several alarming account that DO NOT BELONG TO ME! XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  account # XXXX has failed to respond to my concern regarding my credit file. Under the FCRA, I can seek statutory damages if A creditor furnishes inaccurate information about DEBT, such as incorrectly reporting A charge off while claiming I owe a debt. I have requested for VALIDATION and never received any information on these accounts. I want to know what reasonable procedures that were taken in the investigation and verifying the information on this erroneous debt, I am asking AGAIN for all file disclosers and the full sale file and ORIGIANL CONTRACT of this DEBT. According to federal law ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. It is an federal crime to keep verifying an account without full DISCLOSURE 15 USC 1681G, SECTION 1-3

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX sold a debt and is attempting to collect money from a debt that is not owed by me and was placed in my name fraudulently. The company that contacted me about this debt is named Shepard Outsourcing. This attempt to collect was after I requested that XXXX delete the fraudulent account from my credit report. In my initial complaint I also provided documentation to prove that I was a victim of identity fraud. I believe XXXX XXXX XXXX placed the debt with Shepard Outsourcing intentionally and maliciously since they can not collect any debts due to fraud. They have violated my rights by selling a debt or having another company attempt to collect a debt on their behalf that has been included in a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
several accounts for loans created under my name showing on Experian and Equifax that i did not apply for. Called to get items disputed but still showing on my reports causing a extreme credit drop affecting my financial stability.

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 2025-02-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, 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 2025-02-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. I am also requesting that the name is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX XXXX XXXX {$2900.00} XXXX XXXX, Hard Inquiries 17, XXXX {$490.00}, XXXX XXXX XXXX {$1900.00} XX/XX/XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including [ list any documents youre including, such as bank statements, payment receipts, or correspondence ]. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, 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 2025-02-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. I am also requesting that the name is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX XXXX XXXX {$2900.00} XXXX XXXX, Hard Inquiries 17, XXXX {$490.00}, XXXX XXXX XXXX {$1900.00} XX/XX/XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including [ list any documents youre including, such as bank statements, payment receipts, or correspondence ]. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX  Account number XXXX Account Balance {$140.00} Date Opened XX/XX/year> Open/Closed Open

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 2025-02-05 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-02-05 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with explanation