vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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:
Immediate Action Required Request for Deletion of Accounts Due to Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the investigation and verification of several accounts listed on my credit report. Despite disputing the accuracy of these accounts, Experian has failed to provide the necessary documentation or evidence to show that a proper investigation was conducted. This non-compliance constitutes a violation of the FCRA, and I am requesting immediate action to resolve this issue by having the following accounts removed from my credit report.

I am fully aware of my rights under the FCRA, including the requirement for credit reporting agencies to conduct reasonable investigations and provide verification of disputed information. Experian has not provided any details of the investigation process, nor have they shared evidence that these accounts were accurately verified. Therefore, I demand that the following accounts be deleted from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Late Payments XXXX  XXXX Account Number : XXXX Issue : Charge-Off XXXX Account Number : XXXX Issue : Charge-Off XXXX XXXX  Account Number : XXXX Issue : Charge-Off XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : Charge-Off XXXX XXXX Account Number : XXXX Issue : Charge-Off XXXX XXXX Account Number : XXXX Issue : Charge-Off The failure to properly investigate these accounts and the absence of supporting verification violates the FCRA, specifically Section 1681o, which holds credit reporting agencies accountable for negligent XXXX. I am requesting that the CFPB take immediate action to ensure that these accounts are deleted from my credit report. I believe this is the fair and appropriate resolution, as Experian has not met the statutory requirements for verification under the FCRA. 

I trust the CFPB will intervene swiftly to protect my rights and ensure that Experian is held accountable for its failure to comply with the law. 

Thank you for your attention to this matter. I look forward to your immediate response and the resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
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
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was already punished for this by my credit.

A third party bought the debt Lvnv funding. And sent the police to my house as a scare tactic and freaked me and my children out. Ive never been in trouble by the police. I have never had them serve me anything. This is wrong. They never provided wet signature or contract or anything where I agreed to release my data and information to a third party or proof the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I am writing to dispute certain information on my credit file with TransUnion that was caused by identity theft. I am requesting that you block and delete this information as per the provisions of 15 U.S. Code 1681c2, which mandates that consumer reporting agencies block and delete information resulting from identity theft once proper documentation is provided. 

TransUnion has deliberately removed the ability for consumers to initiate disputes directly through their online platform, effectively forcing individuals to submit their claims via traditional mail. This calculated maneuver not only introduces unnecessary hurdles in the dispute process but also significantly extends the timeline for resolution. By imposing this cumbersome requirement, TransUnion is creating an undue burden on consumers, potentially discouraging rightful disputes and delaying critical corrections to credit reports. 

This shift in policy raises serious concerns regarding consumer rights and regulatory compliance. The Fair Credit Reporting Act ( FCRA ) was designed to ensure accuracy and fairness in credit reporting, yet TransUnions recent actions appear to be in direct conflict with these principles. By eliminating digital dispute options, the credit bureau is imposing arbitrary barriers that disproportionately affect individuals seeking timely corrections. This practice may not only warrant regulatory scrutiny but could also be subject to legal challenges for unfair and deceptive business practices.

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 2025-02-07 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: HI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: KEYCORP
State: MI

Complaint narrative:
This company reported an overdraft of {$XXXX} to XXXX before they ever investigated my claim. I reported them to the CFPB and they gave me monetary relief of {$XXXX} because they were wrong. They however, have not removed the information from the XXXX. I applied for a bank account today with XXXX and was denied because of this fraudulent reporting. 

See CFPB report XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX or XXXX XXXX I request the fraudulent alert or extended fraudulent alert to be removed from my credit report and send me proof yall remove it my ssn is XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
See Attached document. Request for Review XXXX XXXX File # XXXX and Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-07 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: CT

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXXXXXX Balance : {$700.00}, XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX AXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXXXXXX Balance : {$700.00}, XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX AXX/XX/XXXXXX/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 2025-02-07 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/year>, I sent a dispute letter with supporting documentation to Experian via certified mail, yet I have not received a response. Additionally, the disputed accounts have not been marked as in dispute on my credit file, which is a violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). Experians failure to acknowledge and investigate my dispute within the required timeframe is unacceptable and must be rectified immediately. 
Complaint The following accounts contain inaccurate or unverifiable information : XXXX. XXXX XXXX  Account Number XXXX Reporting inaccurate past-due balance of {$220.00} as of XX/XX/year>. 
Multiple attempts to dispute directly with the creditor have failed. 
2. XXXX Account Number XXXX Listed as Paid, Closed, but I request verification that all reported information is accurate. 
3. [ Creditor Name ] Account Number XXXX Reported as Charged Off with an inaccurate balance of {$740.00} written off. 
4. XXXX XXXX XXXX Account Number XXXX Charged-off status with a balance of {$1000.00} remains inaccurate despite multiple disputes. 
5. XXXX XXXX Account Number XXXX Closed account, but I request verification of the reporting details. 
6. XXXX XXXX XXXX XXXX  Account Number XXXX Charged-off status with a balance of {$1400.00} is incorrect. 
7. XXXX XXXX  XXXX Account Number XXXX Inaccurate reporting of charge-off status with a balance of {$410.00}. 
8. XXXX XXXX Account Number XXXX Charged-off status remains unverified despite multiple dispute attempts. 
9. XXXX XXXX BANK Account Number XXXX Incorrect charge-off status with an inaccurately reported balance of {$420.00}. 
10. XXXX XXXX XXXX  Account Number XXXX Charge-off reported incorrectly with a past-due balance of {$480.00}. 
11. XXXX XXXX Account Number XXXX XXXX  XXXX is reporting derogatory information that I believe to be inaccurate and unverifiable. 
12. XXXX XXXX XXXX Account Number XXXX Incorrect charge-off reporting with a balance of {$2500.00}. 
These inaccuracies negatively impact my credit profile and have caused undue harm. I have made multiple attempts to resolve these discrepancies directly with the creditors, but they continue to be reported incorrectly.

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 2025-02-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have file multiple disputes to get the items removed from credit report with Experian and they take longer than 30days to come back and say it is accurate how its it accurate and I am disputing it and have been for past year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 


I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 


I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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