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: 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, VA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Experian for Violation of 15 U.S.C. 1681 ( 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 : XXXX. Screenshots of my credit report showing the account before its deletion. 


XXXX. 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 : XXXX. Immediate investigation into Experians handling of my credit report and dispute. 


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


XXXX. 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
When Shellpoint Mortgage bought my mortgage there were no problems at XXXX. But then when my payment jumped up to {$800.00} more a month, I called to see why. I was then told that I was not on the mortgage and no one was able to speak with me about this. The only people listed on said mortgage was my brother and my XXXX  mother. My brother and I are estranged and do not communicate. I did ask what documents were needed to prove that I was indeed her daughter and the executor of her estate. I was not given any help as to what needed to be done to rectify this issue in a timely manner. I had to call numerous times to get little pieces of instruction on what to send and to whom to send it too. I had faxed this company on the dates of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. When I did try to pay the mortgage, because the amount was wrong, they would hold it in another account and not apply it to the mortgage. After all of this, I found out that the mortgage company billed me because they didn't think insurance was on the house and insurance was on the house through XXXX during this time. I have sent them proof of insurance at the time to no avail. I was able to get someone to talk to me after a foreclosure sale date was set. I paid the money to stop the foreclosure sale and have sent in the paperwork for help with the mortgage to Shellpoint.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent in letter of dispute, still no change on my 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Repossession — Voluntary repossession
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report I discovered several information I didnt authorized I do not recognize I requested the credit bureaus remove this information unfortunately the credit bureaus refused them off. This issue is causing me stress and negatively affecting my financial standing

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I attempted to get the consumer report Equifax furnishes about me online via XXXX, but was unable to do, due to Equifax 's error. I submitted a CFPB complaint ( XXXX ) on XX/XX/year> requesting copy of said report. Equifax did not provide me with the requested report, and instead sent me a letter requesting more Identification. I'm attaching to this complaint, the previous consumer request I did in my previous complaint, and also attaching photocopies of my Arizona state issued ID card, and social security card. Equifax has mixed their file on me with my twin sister.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
I requested the original creditor information that shows the debt was mine. I was told the original account was opened online. I requested documents and agreements with my signature and documents to show my identification to show it was me. Like my drivers license to show proof i opened this account. Also showing documents and agreements, for them to buy, sale and trade my personal information. And placing my personal information on sites that anyone can obtain or see without my permission.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of 2024, I noticed a company called XXXX XXXX XXXX XXXX XXXX had placed a fraudulent account on my credit report in the amount of {$4300.00}, account # XXXX. I immediately disputed this account with the original creditor XXXX XXXX as well as with XXXX XXXX XXXX XXXX XXXX. When I applied for an apartment I was denied due to my background check and never received a lease. However this company fraudulently placed this account on my credit file and refuse to remove this account. The credit bureaus also refuse to remove this fraudulent information from my credit report which is a direct violation of the law under the FCRA. This fraudulent information is causing irreparable damage to my credit file and my ability to obtain credit in the future. Im asking that this account be blocked from my credit file in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with the law. Ive attached a copy of my identity theft report as well as the e-mail received denying me a lease agreement.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX of 2024, I noticed a company called XXXX XXXX XXXX XXXX XXXX had placed a fraudulent account on my credit report in the amount of {$4300.00}, account # XXXX. I immediately disputed this account with the original creditor XXXX XXXX as well as with XXXX XXXX XXXX XXXX XXXX. When I applied for an apartment I was denied due to my background check and never received a lease. However this company fraudulently placed this account on my credit file and refuse to remove this account. The credit bureaus also refuse to remove this fraudulent information from my credit report which is a direct violation of the law under the FCRA. This fraudulent information is causing irreparable damage to my credit file and my ability to obtain credit in the future. Im asking that this account be blocked from my credit file in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with the law. Ive attached a copy of my identity theft report as well as the e-mail received denying me a lease agreement.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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, INQUIRY - 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One stops processing payments at XXXX on the day payments are due. This is second time I have made payment on the due date but refuses to process the payment and informs me they will process the next day and charge me a late fee even though the payment was made on the actual due date. If Capital One does not want to process, thats fine but when my payment is still made on the due date it should be noted that I have made my payment on the date due. If they want to process the next day but don't then charge me a late fee when in fact the payment was NOT late. It dishonest to not process the payment and then charge me a late fee. I am trying to get out of debt as a senior citizen and getting charged a late fee when in reality my payment was made on the due date. I would request that the last XXXX " late fees '' be credited to my account. I can't keep paying rediculous late fees for payments that are not really late. My account ends in XXXX

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, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information was compromised in the XXXX data breach, which occurred in 2017, 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 Collections XXXX. XXXX XXXX {$1100.00} XXXX. XXXX XXXX  {$460.00} XXXX XXXX  {$790.00} Credit Cards XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX {$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 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with XXXX, XXXX, and Experian for their continual failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Your failure to adhere to these regulations has caused me significant stress and financial hardship. Despite my efforts to resolve the inaccuracies on my credit report, I have been unjustly subjected to high deposits and denied approval for a vehicle. As a veteran who has served this country, I believe I should be granted the same opportunities as any other citizen. 

My identity has been compromised, resulting in erroneous accounts being reported on my credit profile. I have submitted Federal Trade Commission ( FTC ) reports, character witness statements, and police reports, yet these inaccuracies persist. It is clear that your organizations, which profit from consumer debt, are willfully neglecting their legal obligations by refusing to remove these disputed items. 

Moreover, I have observed that your dispute processes have been outsourced to foreign nationals who lack the necessary understanding of U.S. regulations to verify the disputes accurately. When I request the method of verification, I am never provided with details on who verified the information, where it was verified, or the documentation used for verification. For example, how can a company verify a late payment or claim balances on charge-offs? It is unacceptable that I am dealing with negative items on my credit report that I did not create. 

I am aware of the Consumer Financial Protection Bureau ( CFPB ) case against Experian for fraudulently reporting investigations into consumer disputes. This further highlights the misconduct within your organizations. If these issues are not resolved promptly, I will have no choice but to pursue legal action for libel, defamation of character, and violations under the XXXX XXXX and Corrupt Organizations Act ( XXXX ), as it is evident that you are colluding with creditors to extort consumers. 

I demand immediate action to correct these inaccuracies and a thorough review of your dispute processes to ensure compliance with all relevant regulations. Failure to address these concerns will result in further escalation.

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: OH

Complaint narrative:
Trans union once again did a so called investigation on an account that isn't mine. Every time I try to reach someone to get proof of how they validated these accounts I'm told the person reporting provided it but I'm not entitled. The amount is almost XXXX XXXX to a hospital I've never even been to. They did XXXX day investigating, and somehow decided it's valid.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are multiple inconsistencies on my credit report I disputed them because I did not recognize the charges and I never gave XXXX Equifax are XXXX any rights to share my information with anybody

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 status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently got a copy of my credit report and notice several inaccuracy in my accout. This account is hurting my ability to obtain credit .it 's my understanding that Experian XXXX XXXX XXXX agency will investigate this for me to ensure accout accuracy ... this account is. XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation