vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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 unsolved. 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XX/XX/XXXX -- {$62000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$54000.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX XX/XX/XXXX -- {$6200.00}XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XX/XX/XXXX -- {$510.00} UNAUTHORIZED INQUIRIES :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-27 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: TX

Complaint narrative:
In accordance with the fair credit reporting act account # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B a creditor may not treat payment on pa credit card account under an open end consumer credit plan as late any purposes

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 2025-01-27 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:
Despite many attempts to resolve these matters directly with the bureaus for more than a year now, the errors persist on my credit reports, causing harm to my credit. Accounts disputed previously and has been reported as " accurate '' and " verified '' yet the accounts report varying information between the reporting agencies. This is a violation of Fair Credit Reporting Act. Any information found to be inaccurate or incomplete or can not be verified the agency shall promptly delete that item of information from the file of the consumer. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. I request the immediate removal of these accounts. Ensure these files are TRUE, ACCURATE reflection of account. All furnished information must be a complete and accurate without error and complaint with guidelines. Accounts showing inaccuracy must be removed. 
XXXX XXXX XXXX XXXX XXXX also reported as XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX also reported as XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX also reported as XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX also reported as 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 2025-01-27 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: NE

Complaint narrative:
I'm unfair the very specific days but within the last 2 months I have spoken to XXXX XXXX numerous times and ask them to remove the charged off status as this account was paid instead of removing the charge off status they listed it as charged off and then paid well that's still inaccurate because it was not charged off it's been paid if it was charged off then they can retract that charge off and report that correctly they have essentially told me to fly a kite and have offered little to no assistance at all. 

I open this account in XXXX if I recall in XXXX after suffering just want to court injury I had to have a subsequent XXXX and I was not able to work I informed the XX/XX/XXXX XXXX of this and they refused to offer any kind of program to help me stay caught up on my payment further I would make a double payment instead of applying the payment towards the next one they would do it next month knowing that the payment was supposed to be good they do not care this is preventing me from getting any kind of credit XXXX real estate project I can't even get a secured credit card because of this essentially this could cause foreclosure on a project I'm not able to finish due to financial constraints I have pretty decent credit so it's concerning that I can't even get a secured credit card at this point XX/XX/XXXX XXXX has made it nearly impossible for me to get any kind of credit. I just feeded this with a credit reporting agencies and they responded with it meets the fair credit reporting act and that was pretty much it

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was thinking about a credit card and got information but never decided to go with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 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: CA

Complaint narrative:
I have been trying to fix my credit report and sent multiple dispute letters to Experian regarding inaccurate accounts. Despite my efforts, Experian has failed to investigate and correct these inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information.

15 USC 1681s-2 : Failure to investigate and correct disputed information reported by furnishers.

15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information after a dispute.

15 USC 1681c ( c ) : Reinserted or retained outdated or harmful information. 


I recently became aware of the CFPB lawsuit against Experian for conducting sham investigations of consumer disputes, which aligns with my experience. Their negligence has harmed my creditworthiness, impacting my ability to secure credit, employment, and housing.

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 2025-01-27 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: CA

Complaint narrative:
I reviewed my credit report from XXXX and Equifax it shows a new account that opened XX/XX/year> from XXXX XXXX XXXX # XXXX. 

THIS IS NOT MY ACCOUNT, I NEVER OPENED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-27 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: CA

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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2025-01-27 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Heres a revised version using only that part : Dear [ Agency Name ], I contacted Capital One about making a payment to pay off my credit card. I worked hard, regardless of the weather, to settle my debt with them. After making the payment, I received another call from them stating that I had paid the wrong amount. I asked for the correct amount and was told it was {$570.00}. I paid this amount immediately, believing everything would be resolved. 

However, I am still being charged late fees, interest fees, and past-due fees. When I contacted them again, I was met with an apology, but that does nothing to address the ongoing issue or the strain it has caused me. Below, I have provided all the relevant charges, dates, and amounts for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: KY

Complaint narrative:
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

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 2025-01-27 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-01-27 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: CA

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 XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/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 2025-01-27 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 it's 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 ( 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 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