vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Subject : ReDispute of Inaccurate Reporting Request for Deletion To Whom It May Concern, I am writing to formally redispute the reporting of the XXXX XXXX, and Perpay accounts on my credit report. The accounts are listed as " Profit & Loss Write-Off '', which indicates that the original creditor has already received financial compensation for the debt, either through insurance, tax write-off benefits, or sale to a third-party debt buyer. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to report only accurate, complete, and verifiable information. I am disputing this account for the following reasons : Lack of Accuracy ( 15 U.S.C. 1681e ( b ) ) The status of " Profit & Loss Write-Off '' suggests that the original creditor has been compensated, yet the account remains on my report, creating a misleading and inaccurate representation of my financial obligations. This is inconsistent with accurate and complete reporting requirements under FCRA.

Verification Requirement ( 15 U.S.C. 1681i ( a ) ) I am requesting that you provide documentation proving that this account is still valid, enforceable, and being correctly reported. If the creditor has received financial relief or has sold/transferred this debt, the continued reporting may be deceptive and violate federal reporting standards.

Collection Status Conflict ( 15 U.S.C. 1681s-2 ( a ) ) If the original creditor has charged off this debt and received tax benefits, insurance claims, or financial relief, they can not legally claim the debt remains outstanding under their ownership. Reporting the debt as " Profit & Loss Write-Off '' while still associating it with me without proof of its enforceability raises concerns of potential double collection or inaccurate reporting. 

I am formally requesting that this account be deleted from my credit report if it can not be verified with legally binding documentation. If this information can not be verified, please remove it immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please complete this investigation within the 30-day timeframe as mandated by the FCRA. If the information is not verified, I expect prompt deletion from my credit file.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-03-08 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: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX XXXX - 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. 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 2025-03-08 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-08 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 obligations under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-03-08 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: IL

Complaint narrative:
I am writing to formally dispute certain hard inquiries listed on my credit report that I believe are inaccurate or unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect or unrecognizable. I have been a victim of identity theft XXXX XXXX XXXX .I do not recall authorizing these inquiries, nor do I have any record of giving consent for such checks. Please be aware that I am fully aware of my rights under the FCRA. If the necessary investigation is not conducted properly or if these erroneous inquiries are not removed in a timely manner, I will pursue legal action. This includes potential claims for damages resulting from the inaccurate reporting, as I am entitled to under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
All of my information was exposed with all XXXX credit bureaus and I want my reports wiped clean

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 2025-03-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
All of my information was exposed with all XXXX credit bureaus and I want my reports wiped clean

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
Complaint Against XXXX XXXX Inaccurate Late Payment Reporting & FCRA Violations To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX for inaccurate credit reporting and failure to correct errors in violation of the Fair Credit Reporting Act ( FCRA ). XXXX  has reported multiple false late payments on my auto loan account [ # XXXX ], despite these errors being caused by their internal processing failures. The affected months are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Issue Summary These late payments were not due to my failure to pay but rather XXXX XXXX payment processing errors : XXXXXXXX XXXX XXXXXX/XX/XXXX : I submitted payments on time, but due to XXXX  internal processing delays, they were not posted until after the due date. 
XXXX & XX/XX/XXXX : XXXX  third-party payment processor held my transactions in " pending '' status, causing artificial delays. 

XX/XX/XXXX : An ACH processing failure affected my payment, which I corrected immediately, yet XXXX still reported it as late. 

FCRA Violations & Consumer Rights FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report only accurate information. XXXX XXXX knowingly reported false late payments caused by their own system errors. 

FCRA 1681i ( a ) ( 5 ) ( A ) : If a consumer disputes information and it can not be verified, it must be removed. XXXX  has failed to provide proof that these lates were due to my negligence.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and correct inaccurate reporting. Despite multiple disputes, XXXX refuses to correct these errors. 

Harm Caused As a result of XXXX XXXX misreporting, my credit score has suffered significant damage, affecting my ability to obtain financing.

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 2025-03-09 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:
Complaint Against XXXX XXXX Inaccurate Late Payment Reporting & FCRA Violations To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX for inaccurate credit reporting and failure to correct errors in violation of the Fair Credit Reporting Act ( FCRA ). XXXX  has reported multiple false late payments on my auto loan account [ # XXXX ], despite these errors being caused by their internal processing failures. The affected months are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Issue Summary These late payments were not due to my failure to pay but rather XXXX XXXX payment processing errors : XXXXXXXX XXXX XXXXXX/XX/XXXX : I submitted payments on time, but due to XXXX  internal processing delays, they were not posted until after the due date. 
XXXX & XX/XX/XXXX : XXXX  third-party payment processor held my transactions in " pending '' status, causing artificial delays. 

XX/XX/XXXX : An ACH processing failure affected my payment, which I corrected immediately, yet XXXX still reported it as late. 

FCRA Violations & Consumer Rights FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report only accurate information. XXXX XXXX knowingly reported false late payments caused by their own system errors. 

FCRA 1681i ( a ) ( 5 ) ( A ) : If a consumer disputes information and it can not be verified, it must be removed. XXXX  has failed to provide proof that these lates were due to my negligence.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and correct inaccurate reporting. Despite multiple disputes, XXXX refuses to correct these errors. 

Harm Caused As a result of XXXX XXXX misreporting, my credit score has suffered significant damage, affecting my ability to obtain financing.

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 2025-03-08 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Disputed Inaccurate Information and Request for Security Freeze & Permanent Opt-Out Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding inaccurate information reported on my consumer disclosure reports and the failure of the reporting agencies to properly investigate my disputes. Additionally, I request immediate implementation of a permanent security freeze and opt-out on my consumer file.

Part 1 : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX and identified several inaccuracies that are negatively impacting my consumer profile. Despite previous disputes, these inaccuracies remain unresolved. 

Disputed Accounts USDEPTOFED Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name USDEPTOFED. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX. 

I request a thorough and manual review of these accounts due to the complexity of the discrepancies. I have attached copies of my credit reports highlighting the inaccuracies for reference. 

Requested Actions : Conduct a thorough investigation of the disputed accounts. 

Provide a written statement detailing the investigation results and actions taken. 

Remove the inaccurate accounts from my consumer reports. 

Send me updated copies of my corrected consumer reports. 

Part 2 : Request for Permanent Security Freeze and Opt-Out To further protect my personal information from potential fraud and identity theft, I formally request : A permanent security freeze on my consumer files with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

A permanent opt-out from all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs managed by these entities. 

Personal Information for Verification Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required. 

Relevant Laws Violated : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedures for disputed accuracy.

15 U.S.C. 1681c : Requirements for information in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - 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. 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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX  Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, TX, 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 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My information was involved in litigation and my debt was sold off to a third party without my written consent and knowledge which is fraud and gross negligence is equal to fraudulence. Also my personal information was involved and leaked in a universal data breach recently.

Company response to consumer: Closed with explanation