vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
Dear CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX for repeatedly reporting inaccurate information on my credit report, despite my numerous disputes. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, All the creditors and collection agency listed above is required to investigate disputed information within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.

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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I filed disputes on XX/XX/XXXX for unauthorized transactions. I asked SoFi when I will be receiving provisional credit for my disputes and they told me my disputes dont qualify for provisional credit. It clearly states under regulation E that unauthorized electronic transactions qualify for provisional credit after 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
LIGHTSTREAM IS ON MY CREDIT REPORT AND LOWERED IT. I DON'T KNOW THE COMPANY AND NEVER WANTED A LOAN OR WHAT EVER FROM THEM.

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 2025-02-17 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: OK

Complaint narrative:
Debt versus XXXX, misclassification of accounts. Wrong information, not up to date 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
XXXX. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.

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 2025-02-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I have a account where I never received and certification from this school and now the school is closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All XXXX  Credit bureaus have continuously allowed XXXX XXXX XXXX to report a negative collection account on my personal credit reports. XXXX XXXX XXXX has called me and harassed me over this for several years. They have refused to cease and desist with this process. The credit bureaus have constantly ignored all of my disputes and requests to block and or remove this in accurate information on my reports.

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 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to 15 usc1692 c you have violated my rights by in lawful communications.please remove this collection off of my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
experian deliberately shared my information address with XXXX XXXX XXXX XXXX chang the fraud address to my real address to force the fraud accounts in my name i have proof

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 2025-02-17 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:
experian deliberately shared my information address with XXXX XXXX XXXX XXXX chang the fraud address to my real address to force the fraud accounts in my name i have proof

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 2025-02-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence and Noncompliance ( FCRA - Section 1681O ) Dear consumer Financial protection bureau I am writing to formally dispute the claim of civil liability under Section 1681O of the Fair Credit Reporting Act ( FCRA ) for alleged negligence and noncompliance that has been attributed to me. I believe that the assertions regarding my conduct are inaccurate and unwarranted. I respectfully request that this matter be reviewed thoroughly and that any erroneous claims be corrected.

To provide context, Section 1681O of the FCRA imposes civil liability for violations related to negligence or noncompliance with the credit reporting regulations. I have thoroughly reviewed the circumstances surrounding this situation and have found no evidence supporting that I acted negligently or in noncompliance with the regulations in question. 


I am requesting that you carefully investigate the matter and provide clarification regarding the allegations. If this dispute concerns any error in my credit report or a similar matter under your jurisdiction, I also request that you provide me with any pertinent documentation and confirm that any necessary corrections will be made to resolve the issue promptly. 

Please confirm in writing that you have received this dispute and are taking appropriate action. In the event that this dispute is not resolved in my favor, I would appreciate being informed of the specific reasons and any further recourse available to me under the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

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 2025-02-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence and Noncompliance ( FCRA - Section 1681O ) Dear consumer Financial protection bureau I am writing to formally dispute the claim of civil liability under Section 1681O of the Fair Credit Reporting Act ( FCRA ) for alleged negligence and noncompliance that has been attributed to me. I believe that the assertions regarding my conduct are inaccurate and unwarranted. I respectfully request that this matter be reviewed thoroughly and that any erroneous claims be corrected.

To provide context, Section 1681O of the FCRA imposes civil liability for violations related to negligence or noncompliance with the credit reporting regulations. I have thoroughly reviewed the circumstances surrounding this situation and have found no evidence supporting that I acted negligently or in noncompliance with the regulations in question. 


I am requesting that you carefully investigate the matter and provide clarification regarding the allegations. If this dispute concerns any error in my credit report or a similar matter under your jurisdiction, I also request that you provide me with any pertinent documentation and confirm that any necessary corrections will be made to resolve the issue promptly. 

Please confirm in writing that you have received this dispute and are taking appropriate action. In the event that this dispute is not resolved in my favor, I would appreciate being informed of the specific reasons and any further recourse available to me under the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Previously marked as duplicate complaint!!! 

Company failed to remove permanent after previously removing this account And adding it back based on a false automated verification of fraudulent information attached to the account. The information attached has been removed and deemed as inaccurate or fraudulent and or proved to have been shared without my permission initially or at anytime. The company " XXXX '' sold the debt multiple times to various companies yet failed to relinquish any responsibility to me that may have previously been owed or responsible for before the purchase of the debt along with my personal information that of which I did you give permission to be sold and or obtained by and lenders, creditors, credit furnishing bureaus etc. please remove all derogatory accounts permanently from the report and delete from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX database. XXXX also have failed to deliver up to date electronic credit report online per my request.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Previously marked as duplicate complaint!!!

Company failed to remove permanent after previously removing this account And adding it back based on a false automated verification of fraudulent information attached to the account. The information attached has been removed and deemed as inaccurate or fraudulent and or proved to have been shared without my permission initially or at anytime. The company " XXXX '' sold the debt multiple times to various companies yet failed to relinquish any responsibility to me that may have previously been owed or responsible for before the purchase of the debt along with my personal information that of which I did you give permission to be sold and or obtained by and lenders, creditors, credit furnishing bureaus etc. please remove all derogatory accounts permanently from the report and delete from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX Bureaus also have failed to deliver up to date electronic credit report online per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX Texas XXXX Subject : Urgent Request for Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the fraudulent accounts, addresses, and inquiries that have been illegally and inaccurately reported on my credit file. My personal information was exposed in the recent Experian data breach, which has resulted in identity theft and significant harm to me. I have attached a copy of the identity theft report for your reference. 

As a result of this breach, unauthorized accounts and inquiries have appeared on my credit report. These accounts were opened without my consent, and the related inquiries were not initiated by me. Under consumer protection laws, any accounts, addresses, and inquiries resulting from identity theft must be removed immediately to prevent further financial and personal harm. 

I am formally requesting the immediate removal of all fraudulent accounts, inquiries, and addresses associated with my name. Please investigate this matter urgently and provide written confirmation once these inaccuracies have been corrected. If additional information is required, do not hesitate to contact me at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I expect your immediate action in accordance with the law. 

Sincerely, XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX  Hard inquiries check ftc report they are several 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 2025-02-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX Texas XXXX Subject : Urgent Request for Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the fraudulent accounts, addresses, and inquiries that have been illegally and inaccurately reported on my credit file. My personal information was exposed in the recent Experian data breach, which has resulted in identity theft and significant harm to me. I have attached a copy of the identity theft report for your reference. 

As a result of this breach, unauthorized accounts and inquiries have appeared on my credit report. These accounts were opened without my consent, and the related inquiries were not initiated by me. Under consumer protection laws, any accounts, addresses, and inquiries resulting from identity theft must be removed immediately to prevent further financial and personal harm. 

I am formally requesting the immediate removal of all fraudulent accounts, inquiries, and addresses associated with my name. Please investigate this matter urgently and provide written confirmation once these inaccuracies have been corrected. If additional information is required, do not hesitate to contact me at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I expect your immediate action in accordance with the law. 

Sincerely, XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX  Hard inquiries check ftc report they are several XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 writing to dispute again inaccurate and unverifiable information appearing on my credit report. Experian 's faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher 's response to the disputed information, and failure to inform me of the results of the reinvestigation also violate the CFPA 's prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ). Also, when I disputed the accuracy or completeness of information in their consumer report, the FCRA requires Experian, Equifax and Transunion to conduct a " reasonable reinvestigation '' of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). Additionally, as per Metro 2 compliance guidelines outlined in the Credit Reporting Resource Guide ( CRRG ), all data reported to credit bureaus must be accurate, complete, and verifiable. The following accounts fail to meet this standard : XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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 writing to dispute again inaccurate and unverifiable information appearing on my credit report. Experian 's faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher 's response to the disputed information, and failure to inform me of the results of the reinvestigation also violate the CFPA 's prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ). Also, when I disputed the accuracy or completeness of information in their consumer report, the FCRA requires Experian, Equifax and Transunion to conduct a " reasonable reinvestigation '' of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). Additionally, as per Metro 2 compliance guidelines outlined in the Credit Reporting Resource Guide ( CRRG ), all data reported to credit bureaus must be accurate, complete, and verifiable. The following accounts fail to meet this standard : XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  Account # XXXX and 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