vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding several issues I have identified on my credit report. These include inaccurate account information, incorrect listings, unverified accounts, and billing errors that do not reflect my actual financial history.

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 2025-04-16 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:
I am writing to formally express my concerns regarding several issues I have identified on my credit report. These include inaccurate account information, incorrect listings, unverified accounts, and billing errors that do not reflect my actual financial history.

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 2025-04-16 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:
Subject : Experian Failure to Remove Inaccurate Late Payments on Closed Mortgage Account ( XXXXXXXX XXXX  ) Summary of Complaint : This is a formal complaint against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the continued reporting of inaccurate late payments on a mortgage account that is closed and transferred. 

The account in question is : XXXXXXXX XXXX Account # XXXX * * * * Original balance : {$700000.00} Status : Closed and transferred as of XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX Despite this account being closed and transferred, Experian is reporting late payments for XXXXXXXX XXXX XXXX XXXX XXXX  as 30, 60, and 90 days past due, which is not only factually inaccurate but extremely damaging to my credit profile. 

I previously filed a formal dispute. Experian responded with a generic statement and no supporting documentation whatsoever. The account remains unchanged, and the false derogatory marks are still actively reported. 


-- - Violations Committed by Experian : 15 U.S.C. 1681i ( a ) Experian failed to conduct a reasonable reinvestigation and ignored factual errors brought to their attention. 

15 U.S.C. 1681e ( b ) Experian continues to publish inaccurate, outdated, and misleading information about my mortgage account. 

Failure to provide evidence No proof or verification from the data furnisher was provided, which is a legal requirement under the FCRA when a dispute is filed.

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 2025-04-16 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX I called Ally to see how can I avoid being reported late to my credit report which would not have been late until XX/XX/XXXX i was then told by rep that i could set up an 60 day extension that i would have to make payment within 10 days ( which would fall on XX/XX/XXXX ) before hanging up. I advised that I could possibly make payment by XX/XX/XXXX next playday however if not i would def make the payment within the 10 days advised i needed to pay by. The rep assures me that either way i would be fine before disconnecting the call so i made my payment on XX/XX/XXXX which was a day before the XX/XX/XXXX deadline ( XXXX ) on XX/XX/XXXX my credit was dented and reported late and i literally followed the instructions given. Remind you i called 7 days before 30 day late mark so if i wanted to just be late on my credit i would not have even called considering i have not been a payment late in 3 years since Ive had the car. Its really upsetting that Ive spoke with over XXXX supervisors i have even filed a complaint with XXXX and yet have not heard anything from anyone. None of the supervisors that promised to follow up with me have even attempt to reach out. Its very frustrating esp when all you can to do is listen to the call and you will hear exactly where the ball was dropped yet Im being penalized for something that I called in to get help with and was incorrectly informed. I have been dealing with this issue since XX/XX/XXXX and yet has gotten any help as a customer it very upsetting because all these years when Im reaching out for help as your customer. NO ONE HAS TRIED TO HELP ME!!! Ive even reached out to XXXX at the executive custome relations several times several voicemails an still nothing. I just want my credit report fixed!!!! I want help!!!!! I do not just want this issue to XXXX XXXX XXXX to be looked over as i will not stop until i get the proper help because i know your rep advised me of the information and I just followed what i was informed to do!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MS

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-04-16 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: MS

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, citing 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 following disputed accounts, as Experians inaction violates federal law and my rights as a consumer : Loans : - XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$6400.00} - XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$3600.00} - XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$3500.00} - XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$3000.00} - XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$1700.00} - XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$130.00}

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 2025-04-16 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
I am submitting this complaint against Experian/ equifax /transunion for failing to remove inaccurate and fraudulent information from my credit report. I am a victim of identity theft, and despite submitting disputes along with supporting documentation, Experian has not properly investigated or corrected the false entries.

This ongoing negligence is damaging my credit and affecting my financial stability. If this matter is not resolved immediately, I will pursue legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPBs assistance to ensure Experian takes appropriate action to remove the fraudulent and inaccurate information from my credit report. 

Thank you for your attention to this urgent matter. 

1.XXXX XXXX XXXX 2.XXXX XXXX 3XXXX 4XXXX 5XXXX XXXX 6.XXXXXXXX XXXX 7XXXX. XXXX XXXXXXXX 8XXXX XXXX XXXX XXXX 9XXXX XXXXXXXX XXXX 10.XXXX XXXXXXXX 11.XXXX XXXX 12.XXXX XXXX XXXX 13.1XXXX XXXX XXXX  14.phone numbers 15.addresses Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Experian is required to investigate disputed information within 30 days and correct or delete any inaccurate entries.

Furthermore, under 15 U.S.C. 1681c-2, I have the right to request a block on any information resulting from identity theft, yet Experian continues to report these accounts.

This negligence is damaging my credit and is a clear violation of federal law.

If Experian does not take immediate corrective action, I am prepared to pursue legal remedies under 15 U.S.C. 1681n and 1681o, which allow for damages due to willful or negligent noncompliance.

I request the CFPBs assistance in ensuring Experian complies with the FCRA and removes the fraudulent information from my credit report.

In addition, 15 U.S.C. 1681c-2 gives me the right to request a block of any information resulting from identity theft. I submitted the necessary documents, including my identity theft report, and Experian is still violating this provision.

Experians repeated disregard of federal law is causing significant damage to my credit, my ability to obtain housing, employment, and peace of mind. This is a clear violation of 15 U.S.C. 1681n and 1681o, which entitles me to pursue legal action for willful and negligent noncompliance including actual damages, punitive damages, and attorneys fees.

If immediate action is not taken to remove this information and ensure full compliance with the FCRA, I will escalate this matter legally and publicly. I am requesting the CFPB to take enforcement steps against Experian and compel them to delete the fraudulent and harmful data from my report without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 am submitting this complaint against Experian/ equifax /transunion for failing to remove inaccurate and fraudulent information from my credit report. I am a victim of identity theft, and despite submitting disputes along with supporting documentation, Experian has not properly investigated or corrected the false entries.

This ongoing negligence is damaging my credit and affecting my financial stability. If this matter is not resolved immediately, I will pursue legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPBs assistance to ensure Experian takes appropriate action to remove the fraudulent and inaccurate information from my credit report. 

Thank you for your attention to this urgent matter. 

1.XXXX XXXX XXXX 2.XXXX XXXX 3XXXX 4XXXX 5XXXX XXXX 6.XXXXXXXX XXXX 7XXXX. XXXX XXXXXXXX 8XXXX XXXX XXXX XXXX 9XXXX XXXXXXXX XXXX 10.XXXX XXXXXXXX 11.XXXX XXXX 12.XXXX XXXX XXXX 13.1XXXX XXXX XXXX  14.phone numbers 15.addresses Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Experian is required to investigate disputed information within 30 days and correct or delete any inaccurate entries.

Furthermore, under 15 U.S.C. 1681c-2, I have the right to request a block on any information resulting from identity theft, yet Experian continues to report these accounts.

This negligence is damaging my credit and is a clear violation of federal law.

If Experian does not take immediate corrective action, I am prepared to pursue legal remedies under 15 U.S.C. 1681n and 1681o, which allow for damages due to willful or negligent noncompliance.

I request the CFPBs assistance in ensuring Experian complies with the FCRA and removes the fraudulent information from my credit report.

In addition, 15 U.S.C. 1681c-2 gives me the right to request a block of any information resulting from identity theft. I submitted the necessary documents, including my identity theft report, and Experian is still violating this provision.

Experians repeated disregard of federal law is causing significant damage to my credit, my ability to obtain housing, employment, and peace of mind. This is a clear violation of 15 U.S.C. 1681n and 1681o, which entitles me to pursue legal action for willful and negligent noncompliance including actual damages, punitive damages, and attorneys fees.

If immediate action is not taken to remove this information and ensure full compliance with the FCRA, I will escalate this matter legally and publicly. I am requesting the CFPB to take enforcement steps against Experian and compel them to delete the fraudulent and harmful data from my report without further delay.

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 2025-04-16 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: OH

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.SC. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :

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 2025-04-16 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-16 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Experian consistently responds in a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Experian, actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure com Experian complies with federal law and provides consumers with the necessary proof of investigation Experian shows a charge off " WRITTEN OFF '' account was closed I never received a 1099-c from XXXX XXXX XXXX  account number XXXX they charged off the account as of XX/XX/XXXX and still charging it off as of XX/XX/XXXX Experian verified account as accurate!!! According to FCRA I have the right to an accurate credit report The Creditor and Experian need to be reported to the IRS clearly this is double dripping.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I have been receiving repeated harassing phone calls from an individual claiming to be a debt collector. The caller ID on multiple occasions has shown the name Williams & Fudge, a real debt collection company, but I have no accounts or history with them, and I believe this name is being spoofed or misused by a scammer to appear legitimate. 

The caller uses rotating or spoofed numbers and contacts me every other day, sometimes more often. Despite never confirming or acknowledging any debt, the calls continue. The individual refuses to provide written documentation or confirm the nature of the alleged debt. 

In addition to contacting my personal phone, this impersonator has also called my workplace, which is a severe violation of privacy and has caused professional disruption. These calls often imply legal or financial consequences without any verification. 

I suffer from major XXXX and XXXX XXXX XXXX, and this harassment has significantly worsened my mental health. The emotional toll has been so severe that I have had to call the 988 Suicide & Crisis Lifeline in response to the stress caused by these repeated, threatening contacts. 

I am requesting a formal investigation into this impersonation and harassment. I believe this individual is fraudulently using the name of a legitimate company to scam or intimidate people. I am willing to provide call logs and other evidence to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-16 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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