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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
To Whom It XXXX Concern, Account : UPSTART ( XXXX ) I am writing to formally dispute inaccuracies on my credit report which are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). In particular, these inaccuracies pertain to reported late payments that should be reversed to reflect " Paid as Agreed. '' Per 15 U.S.C. 1637b, credit reporting agencies and furnishers are obligated to ensure the accurate reporting of consumer credit information. The inaccuracies in question are clear violations of this statute, as the information being reported does not accurately reflect my payment history.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this issue. The reported late payments must be promptly corrected to show " Paid as Agreed '' to ensure compliance with 15 U.S.C. 1637b and to protect my consumer rights.

Thank you for your attention to this matter.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report, despite previous attempts to have it corrected. The issues I have encountered mirror the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( Case No. 8:25-cv-00024 ), which alleges systemic failures in Experians dispute handling process, including : -Failure to Conduct a Reasonable Reinvestigation : Experian has not properly investigated my disputes, instead relying solely on automated responses from furnishers without considering relevant supporting documentation. 
-Failure to Provide Furnishers with All Relevant Information : My dispute submissions included documentation proving inaccuracies, but Experian failed to forward this information to the data furnishers. 
- Failure to Notify Me of Reinvestigation Results Clearly : The responses I have received from Experian regarding my disputes have been ambiguous, contradictory, and failed to specify what actions were taken. 
- Failure to Prevent Reinsertion of Previously Deleted Information : Despite a prior deletion of incorrect items, some of the disputed information has reappeared on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation and ensure maximum possible accuracy of my credit report. I request that you immediately : 1. Reinvestigate the inaccurate information on my credit report in accordance with FCRA requirements.

2. Forward all supporting documentation I have provided to the furnishers of the disputed information. 
XXXX. Provide me with a clear and detailed response indicating what actions were taken, what information was updated, and why. 
XXXX. Permanently delete inaccurate or unverifiable information that can not be substantiated by reliable records. 

Please respond to this dispute within 30 days as required by the FCRA. If these issues are not properly addressed, I will escalate my complaint to the CFPB and consider legal action. 

Sincerely, XXXX 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: 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report, despite previous attempts to have it corrected. The issues I have encountered mirror the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( Case No. 8:25-cv-00024 ), which alleges systemic failures in Experians dispute handling process, including : -Failure to Conduct a Reasonable Reinvestigation : Experian has not properly investigated my disputes, instead relying solely on automated responses from furnishers without considering relevant supporting documentation. 
-Failure to Provide Furnishers with All Relevant Information : My dispute submissions included documentation proving inaccuracies, but Experian failed to forward this information to the data furnishers. 
- Failure to Notify Me of Reinvestigation Results Clearly : The responses I have received from Experian regarding my disputes have been ambiguous, contradictory, and failed to specify what actions were taken. 
- Failure to Prevent Reinsertion of Previously Deleted Information : Despite a prior deletion of incorrect items, some of the disputed information has reappeared on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation and ensure maximum possible accuracy of my credit report. I request that you immediately : 1. Reinvestigate the inaccurate information on my credit report in accordance with FCRA requirements.

2. Forward all supporting documentation I have provided to the furnishers of the disputed information. 
XXXX. Provide me with a clear and detailed response indicating what actions were taken, what information was updated, and why. 
XXXX. Permanently delete inaccurate or unverifiable information that can not be substantiated by reliable records. 

Please respond to this dispute within 30 days as required by the FCRA. If these issues are not properly addressed, I will escalate my complaint to the CFPB and consider legal action. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by re-reporting a previously deleted account on my credit report without proper notification or certification of accuracy. 

Details of the Violation : Account Information : XXXX XXXX XXXX ( Account # XXXX ) Previous Status : This account was deleted from my credit report, as shown in my Experian credit report ( see attached screenshot ). 
Current Issue : Despite being removed, the account has been reinserted without proper notification to me, as required under FCRA 611 ( a ) ( XXXX ) ( B ). 
Lack of Notification : Per the FCRA, if a previously deleted account is reinserted, the credit bureau must notify me within five business days. I have not received any such notification, which indicates a failure to comply with this requirement.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by re-reporting a previously deleted account on my credit report without proper notification or certification of accuracy. 

Details of the Violation : Account Information : XXXX XXXX XXXX ( Account # XXXX ) Previous Status : This account was deleted from my credit report, as shown in my Experian credit report ( see attached screenshot ). 
Current Issue : Despite being removed, the account has been reinserted without proper notification to me, as required under FCRA 611 ( a ) ( XXXX ) ( B ). 
Lack of Notification : Per the FCRA, if a previously deleted account is reinserted, the credit bureau must notify me within five business days. I have not received any such notification, which indicates a failure to comply with this requirement.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Tried to contact Experian via phone, email, and online. Was NOT able to sign into Experian, the directions to correct this didn't work. Could NOT talk to a person. Once I was on hold for 55 minutes then dropped.

So, two issues, unable to sign into my account. 
Unable to talk to a real person to determine why after a month they are still showing a {$16000.00} balance that was paid off XX/XX/year>. 

I wasted over 6 hours with out a single issue being resolved.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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: Incorrect information on your report — Account information incorrect
Company: UNITED COMMUNITY BANK
State: AL

Complaint narrative:
I have been with United Community Bank for a long time, and I have always appreciated the good value and service I have received from United Community Bank. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.

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: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
To Whom It May Concern, In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy '' 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurbish an account without my written instructions '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts removing the inaccurate late remarks.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX - The following personal information is incorrect- This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX - The following personal information is incorrect- This employer information does not belong to me.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-02-05 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: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate and unverifiable items from my credit report, in light of the recent legal action taken against Transunion by the Consumer Financial Protection Bureau ( CFPB ). The lawsuit highlights Transunions failure to properly investigate disputes and its practice of including incorrect information on consumer reports.

Per my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the following items and requesting their immediate deletion from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts contain errors that negatively impact my creditworthiness. Given the CFPBs findings and the legal action taken against Transunion, I expect full compliance with federal law and a thorough investigation into these inaccuracies. If these accounts can not be verified, I request their immediate deletion from my credit report. 

Failure to comply with this request will leave me no choice but to escalate the matter further with the CFPB and seek legal remedies. I look forward to your prompt attention to this matter and an updated credit report reflecting accurate information.

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