vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$510.00}, XXXX  XXXX  XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX XXXX Bank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$510.00}, foursight capital llc Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
Was sold a vehicle that engine caught fire. Was not offered settlement now finance company is sueing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Violation of XXXX XXXX. XXXX ( a ) Dear CFPB and FTC, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ), by Experian. This violation concerns the deletion of an active credit card account from my credit report without proper investigation or justification. This deletion has negatively impacted my credit history and financial standing. 

Details of the Violation : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status Before Deletion : Paid, Closed/Never Late Date Deleted : XX/XX/XXXX This account was in good standing, with no late payments, and its removal has shortened my credit history, lowering my credit score and adversely affecting my creditworthiness.

I contacted Experian to dispute this issue and provided sufficient documentation, including : 1. Screenshots of my credit report showing the account before its deletion.

2. Evidence of the accounts status and payment history.

Experian has failed to reinstate the account, claiming they do not reinsert information, even though their actions contravene their obligation to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Additionally, their failure to properly investigate my dispute and rectify this error violates 15 U.S.C. 1681i ( a ).

Requested Resolution : I request the following actions : 1. Immediate investigation into Experians handling of my credit report and dispute.

2. Reinstatement of the deleted account to accurately reflect my credit history.

3. Assurance that Experian complies with its obligations under the FCRA.

Enclosed Documentation : Screenshots of my Experian credit report before and after the account deletion.

Supporting evidence of the accounts good standing.

Correspondence with Experian regarding this dispute.

This issue has caused financial and emotional stress as I have worked diligently to maintain a positive credit history. Experians negligence has harmed my ability to secure favorable credit terms.

I trust the CFPB and FTC will hold Experian accountable for its obligations under the FCRA and ensure proper compliance moving forward.

Thank you for your time and assistance. Please contact me if you require further information or documentation.

Sincerely,

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 2025-01-13 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: FL

Complaint narrative:
My personal information was compromised in the Equifax data breach, which occurred in XXXX As a result, my credit report contains multiple inaccuracies and fraudulent accounts that were opened without my authorization. 
I have reviewed my credit report and have identified several items that are not mine. These inaccuracies are directly linked to the data breach, and I am requesting that they be removed from my credit report. 
Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX. XXXXXXXX XXXX {$460.00} XXXXXXXX XXXX {$790.00} Credit Cards XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$260.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
My personal information was compromised in the XXXX data breach, which occurred in XXXX, As a result, my credit report contains multiple inaccuracies and fraudulent accounts that were opened without my authorization. 
I have reviewed my credit report and have identified several items that are not mine. These inaccuracies are directly linked to the data breach, and I am requesting that they be removed from my credit report. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX. XXXXXXXX XXXX {$460.00} XXXXXXXX XXXX  {$790.00} Credit Cards XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$260.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$1100.00}

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 2025-01-13 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Subject : Credit Report Dispute for Account XXXX XXXX XXXX Dear TransUnion and XXXX I am writing to formally dispute an inaccuracy on my credit report, which I obtained from your agency. The information listed under [ Creditor Name, e.g., XXXX XXXXXXXX ] and reported on [ Credit Bureau Name, e.g., XXXXn/TransUnion ] contains incorrect data. 

The account in question, listed under account number XXXX currently reflects a status of Charged Off or Collection/Charge Off. However, this account has been resolved as per the grantors comments on the credit report itself. It explicitly states : Charged off as bad debt. Dispute resolved ; reported by grantor.

This contradictory information is negatively affecting my credit score and does not accurately reflect the current status of the account. Please investigate this matter and update the information to reflect that the account is resolved.

I have included the following documents to assist with the investigation : 1. A copy of my credit report highlighting I request that this error be corrected and that a confirmation letter be sent to me once the updates have been made.

Thank you for your prompt attention to this matter. If you require further information, you can reach me at XXXX or XXXX 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 non-monetary relief
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute inaccuracies on my credit report, Experian has not properly investigated or corrected errors regarding my account with ; XXXX XXXX, Account Number : XXXX. 

XXXX actions are in direct violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Experian has failed to maintain and ensure maximum possible accuracy of my credit report.

15 U.S.C. 1681s-2 : Experian has neglected its responsibility to investigate and correct information furnished by data furnishers after my disputes.

15 U.S.C. 1681i ( 5 ) : Experian has failed to conduct a reasonable reinvestigation of my disputes or delete unverifiable information as required.

15 U.S.C. 1681c ( c ) : Experian has failed to comply with timeframes and requirements for resolving or reinserting disputed information. 

I have sent dispute letters to Experian regarding the inaccuracies associated with the XXXX XXXX XXXX account. I have provided supporting documentation to prove the errors, yet Experian continues to report this information inaccurately. Experian 's responses have been inadequate, often returning generic explanations or failing to address the specific details of my disputes. These actions have caused significant harm, including damage to my creditworthiness and barriers to accessing credit, housing, and other opportunities. 
I recently learned about the CFPBs lawsuit against Experian ( CFPB Press Release : CFPB Sues Experian for Sham Investigations of Credit Report Errors ). This lawsuit underscores Experians systematic failure to properly investigate disputes and its disregard for the accuracy and integrity of consumer credit reports. My experience aligns with the allegations described in this lawsuit, demonstrating Experians ongoing pattern of non-compliance. I respectfully request the CFPB to : Investigate Experians handling of my disputes and hold them accountable for violations of the FCRA. 
Require Experian to conduct a thorough reinvestigation of the SELF FINANCIAL/LEAD BA account and remove any unverifiable or inaccurate information. 
Impose penalties on Experian for their failure to comply with federal laws, as highlighted in the recent CFPB lawsuit. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address Experians ongoing misconduct and protect consumers like myself from further harm. 

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 2025-01-13 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:
15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered. To the consumer not later than XXXX days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. Please remove this charge from 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

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.S.C. 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 :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$36000.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1300.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXXXXXX XXXX  XXXX Account XXXX : **** date opened XX/XX/XXXX bal. {$640.00}, XXXX  XXXX Account # : XXXX** date opened XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$230.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXXXXXX XXXX Account # : XXXX date opened XXXX, XXXX Account # : **** date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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