vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
XXXX XXXX, # XXXX, XX/XX/XXXX, This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, Equifax, and XXXX credit reporting agencies, 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 consist of addresses on XXXX XXXX XXXX XXXX, GA XXXX, employment at XXXX XXXX  on XXXX, employment at XXXX XXXX on XXXX, loan at XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number # XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/XXXX, under the account number # XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX  auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX credit card at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number # XXXX, account at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned addresses, employment, accounts, collections or hard inquires as reported. The aforementioned addresses, accounts, employment, inquires and collections on my consumer credit report maintained by you were not opened, or made or initiated by me. All of the aforementioned addresses, employment, accounts and collection are a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit Criminal Complaint case number # XXXX, # XXXX, # XXXX, as proof from the US Federal Trade Commission that all that aforementioned consumer credit addresses, accounts and collections are identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple dispute letters to Experian regarding inaccuracies on my credit report. Despite following the proper process and providing detailed explanations, these issues remain unresolved. Below is a summary of the disputed accounts and actions : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Auto Loan opened on XX/XX/XXXX with a {$25000.00} balance. 
XXXX missed and late payments, requested complete payment records and proof of investigation. 
XXXX. XXXX XXXX ( Account # XXXX ) : Account opened on XX/XX/XXXX with an {$8400.00} balance. 
Disputed charge-off status and requested proof of charge-off or update of balance to {$0.00}. 
XXXX. XXXX XXXX  ( Account # XXXX ) : Revolving account opened on XX/XX/XXXX with a {$300.00} balance Disputed charge-off status and requested proof of charge-off or balance update. 
XXXX. XXXX XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$67.00} balance. 
Disputed late payment history and requested proof of payments made and missed, along with investigation details. 
XXXX. XXXX XXXX XXXX XXXX # XXXX ) : Collection account opened on XX/XX/XXXX with a {$1200.00} balance. 
Disputed debt ownership and requested proof from the original creditor that this debt collector owns the debt and has legal authority to collect. 

In all cases, I have not received adequate proof of investigation, payment records, or validation from Experian or the creditors to support the negative information being reported. This failure to investigate properly violates the Fair Credit Reporting Act. 

I request immediate resolution, including the removal of inaccurate items, correction of any errors, and written confirmation of all actions taken on 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 2025-01-14 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: MD

Complaint narrative:
I am filing this complaint regarding Experian 's failure to conduct a proper investigation into a fraudulent account on my credit report. Despite submitting multiple disputesfive in totalfor the same fraudulent account with XXXX, Experian has not resolved the issue, nor have they adhered to their legal obligation to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

I have been filing a dispute for months in regard to this account. Each time I submitted a dispute, I provided detailed information and supporting documentation, including the FTC report, my driver 's license, and additional mail that was requested. 

Despite this, Experian has repeatedly verified the fraudulent account without addressing the substantive evidence I provided. These actions suggest Experian has not conducted a proper investigation and may be in violation of the FCRA and the CFPB 's guidance on credit reporting agencies ' obligations.

I request the CFPB to investigate Experian 's handling of this matter and ensure that : - Experian conducts a proper investigation into my dispute, taking into account the evidence I provided.

- The fraudulent account is permanently removed from my credit report.

- Appropriate penalties are enforced if Experian is found to be neglecting its legal obligations. 

This situation has caused significant distress and financial harm, and I ask for your assistance in resolving this matter 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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I have sent to this company several communications requesting verification of dept and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I am formally disputing an account listed, without MY explicit consent, on MY XXXX credit report and on MY XXXX credit report that I have absolutely no knowledge of or association with. The account in question does NOT belong to me, and I have never opened, authorized, or participated in any activities related to this account. Eastern Account System , Inc. is listing themselves as the alleged original creditor. According to their false claims being shared on my credit report, they are alleging an open balance of XXXX XXXX XXXX XXXX XXXX XXXX, that the account was opened on XX/XX/year>, and that the account has been placed in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXX, you are report the Dispute status as "Not in Dispute" on my credit report.  

My student loans have been in dispute for over a year.  I have sent numerous disputes in writing, online, and through CFPB to XXXX XXXX XXXX XXXX XXXX  

 I have been submitting complaints and disputes through the CFPB for last three months.  I think this account is under dispute!!!

Change this to Under dispute.

I am not going to stop until this is solved.

This account is in dispute!  Here are the CFPB complaint numbers.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
ive been iXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> all accounts on my report are not my accounts

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 2025-01-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
ive been in XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> all accounts on my report are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: LA

Complaint narrative:
I cant afford to pay it..been outta work since the second week in XXXX. the interest rates are high

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
XXXX unable to make payments on the Prosper credit card app and the classic site continues to malfunction. This has been going on since XX/XX/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 2025-01-14 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: VA

Complaint narrative:
Dispute of Inaccurate Information Reported on Credit Reports Account # XXXX XXXX I formally wrote to dispute inaccurate information being reported on my credit file by Progressive under my rights afforded by the Fair Credit Reporting Act ( FCRA ). The first letter is to Experian Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I discovered that the above-referenced account is inaccurately reported as an open collection/charge-off with a past-due balance of {$270.00}. This reporting is incorrect and violates FCRA XXXXection 15 USC 1681e ( b ), which mandates that credit reports must ensure maximum possible accuracy.

I have taken the necessary step of sending certified dispute letters to all three credit bureaus to address this matter. I am also requesting that you investigate this issue promptly and take corrective action to ensure that the information reported to the credit bureaus is accurate.

As part of this investigation, I request the following : Verification of the account 's current status with supporting documentation. 
Correction or deletion of the inaccurate information from my credit reports. 
A written confirmation that the necessary corrections have been made or an explanation if further information is required. 
This error is negatively affecting my credit profile, and I kindly ask for your expedited assistance in resolving 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
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
Dispute of Inaccurate Information Reported on Credit Reports Account # XXXX XXXX I formally wrote to dispute inaccurate information being reported on my credit file by Progressive under my rights afforded by the Fair Credit Reporting Act ( FCRA ). The first letter is to Experian Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I discovered that the above-referenced account is inaccurately reported as an open collection/charge-off with a past-due balance of {$270.00}. This reporting is incorrect and violates FCRA S

ection 15 USC 1681e ( b ), which mandates that credit reports must ensure maximum possible accuracy.

I have taken the necessary step of sending certified dispute letters to all three credit bureaus to address this matter. I am also requesting that you investigate this issue promptly and take corrective action to ensure that the information reported to the credit bureaus is accurate.

As part of this investigation, I request the following : Verification of the account 's current status with supporting documentation. 
Correction or deletion of the inaccurate information from my credit reports. 
A written confirmation that the necessary corrections have been made or an explanation if further information is required. 
This error is negatively affecting my credit profile, and I kindly ask for your expedited assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I told each credit bureau that I had my loan pay off from strike acceptance, and they added that I paid the loan off. Then each credit bureau, they penalized me for being late! In which I was not! This loan has been paid off since XX/XX/year>. Each credit bureau is reporting the same status. Therefore, it dropped my credit down XXXX points... I am trying to put my son in a private school and own a home, this critically affecting my way of living and progressing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to formally complain about the ongoing and egregious mishandling of my credit report by TransUnion. Despite my diligent efforts to dispute inaccurate and potentially fraudulent items, they continue to be reported on my credit report. I, XXXX XXXX, have repeatedly submitted the necessary documentation to TransUnion, as per their specific requests, including multiple forms of proof of residence. Disturbingly, they consistently reject these documents, claiming they are " illegible, '' despite their clear and valid nature. These disputed items have been previously deleted from my credit report, only to be inexplicably re-added shortly thereafter, creating a cycle of frustration and harm to my credit standing. Furthermore, I have filed multiple Identity Theft Reports with the Federal Trade Commission, which I have also forwarded to TransUnion, yet they persistently refuse to remove these inaccurate items. This ongoing failure by TransUnion to comply with proper credit reporting practices, especially after providing proof, is severely impacting my financial well-being and I believe constitutes a serious violation of my consumer rights.

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 2025-01-14 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: GA

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-14 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:
I recently reviewed my Consumer Credit Report with Experian, and saw that the inaccurate accounts, inquiries, and personal information was still on my credit profile. This is causing me harm. According to the FAIR CREDIT REPORTING ACT ( FCRA ) The credit agencies and furnishers are suppose to make sure that the information is to be reported in completeness and accurately. Experian has failed to do so. They told me that all accounts were verified without looking at the accounts because if they did they would see that these accounts are not even reporting correctly. I also have some unauthorized inquiries as well. I am requesting the method of verification due to the lack of investigation.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Incident Description : I am writing regarding an account with the name " XXXX '' and account number ending in XXXX. This account is listed as a charge card with a {$300.00} credit limit. According to the records, the account was opened on XX/XX/XXXX, and has a balance of {$340.00}, with the status updated as of XX/XX/XXXX. The account is marked as charged off, with {$340.00} written off and past due as of XX/XX/XXXX. 

Concerns : Upon reviewing the details of the account, I noticed what I believe to be inaccuracies in the reporting. Specifically : The reported balance of {$340.00} exceeds the original credit limit of {$300.00}, and I would like clarification on how this discrepancy occurred. 
There appears to be no record of any recent payments or adjustments made to this account. 
The payment history contains discrepancies or lacks detail, particularly with " ND '' ( XXXX XXXX ) in XX/XX/XXXX and a lack of terms provided for the account. 
Actions Taken : I have not been informed of any efforts by the company to address the outstanding balance or reach out for resolution since the account was marked as charged off. Additionally, there are no details provided regarding attempts to collect or settle the balance. 

Resolution Requested : I would like the company to : Review and verify the accuracy of the reported balance and payment history. 
Provide clarification or evidence supporting the charges and current balance. 
Update the credit reporting to reflect any corrections or provide a detailed explanation if the information is accurate. 
I appreciate your prompt attention to this matter. If further information is needed, I am available to provide additional details to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 ( 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 action 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