vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I am a victim of identity theft, and my information was used without my consent. As a result, a fraudulent item is now showing on my report, one that I have no connection to. Following the proper steps, I filed a report with the Federal Trade Commission ( FTC ) as advised by TransUnion. Despite submitting the report, this fraudulent item remains on my credit report. This is extremely concerning and continues to cause me 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 non-monetary relief
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected or removed on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Experian for their continued failure to remove fraudulent accounts from my credit report, despite my repeated attempts and submission of all necessary documentation.

I am a victim of identity theft and have followed the appropriate procedures to dispute these unauthorized accounts. Specifically, I have : Submitted a detailed identity theft report through the Federal Trade Commission ( FTC ), Provided a copy of my government-issued ID and proof of residence, Clearly identified the fraudulent accounts in question, and Repeatedly contacted Experian with all of the above documentation, both in writing and online.

Despite these efforts, Experian has failed to take appropriate action and continues to report the fraudulent accounts on my credit file. This negligence is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it is also causing significant harm to my creditworthiness, financial stability, and emotional well-being.

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and ensure Experian complies with federal regulations by : Promptly removing all fraudulent accounts from my credit report ; Providing written confirmation that the disputed items have been permanently deleted ; Taking steps to prevent further harm to my credit profile.

I have attached relevant documentation, including my FTC Identity Theft Report and all correspondence with Experian, to support this complaint.

Thank you for your 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 2025-03-21 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: CA

Complaint narrative:
Experian has not attempted to remove nor correct any inaccurate information on my credit report. I am requesting that these derogatory remarks be removed or corrected immediately, as they are affecting my ability to purchase a home and a car. Experian is violating my rights as a consumer, as well as federal laws. 

I filed a dispute with Experian regarding inaccurate and unverifiable information on my account XXXX credit report, specifically the following accounts : XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( Duplicate Entry ) Account Number : XXXX Despite my formal dispute, Experian failed to conduct a proper investigation or provide a resolution, violating the Fair Credit Reporting Act ( FCRA ). I have recently been informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for similar issues, including accepting unreliable information and failing to properly handle consumer disputes. 

These inaccuracies on my credit report are preventing me from securing a home loan and purchasing a vehicle, significantly affecting my financial stability. Experian has failed to remove or correct these errors, despite multiple attempts on my part to resolve the issue. 

Desired Resolution : I want Experian to immediately conduct a thorough and fair investigation, remove the inaccurate accounts, and provide written confirmation of the resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Experian has not attempted to remove nor correct any inaccurate information on my credit report. I am requesting that these derogatory remarks be removed or corrected immediately, as they are affecting my ability to purchase a home and a car. Experian is violating my rights as a consumer, as well as federal laws. 

I filed a dispute with Experian regarding inaccurate and unverifiable information on my account XXXX credit report, specifically the following accounts : XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( Duplicate Entry ) Account Number : XXXX Despite my formal dispute, Experian failed to conduct a proper investigation or provide a resolution, violating the Fair Credit Reporting Act ( FCRA ). I have recently been informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for similar issues, including accepting unreliable information and failing to properly handle consumer disputes. 

These inaccuracies on my credit report are preventing me from securing a home loan and purchasing a vehicle, significantly affecting my financial stability. Experian has failed to remove or correct these errors, despite multiple attempts on my part to resolve the issue. 

Desired Resolution : I want Experian to immediately conduct a thorough and fair investigation, remove the inaccurate accounts, and provide written confirmation of the resolution.

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 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
The collection agency Aldous and Associates refuses to remove the account from my credit file. This account was paid in full in XXXX. I spoke with a representative from this company on XX/XX/XXXXXXXX  at XXXX requesting them to update the information and remove the derogatory remark from my credit file, because it had been paid in full 4 years ago. The collection agency has already collected the debt owed but never removed it from my credit report. The collection agency Aldous and Associates refuses to remove the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-21 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: PA

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The company XXXX XXXX is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above ( XXXX XXXX XXXX ) DOES NOT exist and has went bankrupt in XX/XX/scrub> 2023. The collection agency XXXX XXXX can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with SXXXX XXXX XXXXXXXX and the debt does not 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 explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$9700.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, i discover 11 unauthorized hard inquiries. They are not mines. 
XXXX XXXX. XXXX  XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX 2024 XXXXXXXX XXXX XXXX XXXX 2024 XXXX. XXXX XXXX. XXXX XXXX 2024 XXXX XXXX. XXXX XXXX 2024 XXXX XXXX XXXX  XXXX XXXX 2024 XXXX XXXX XXXX XXXXXXXX XXXX 2024 XXXX XXXXXXXX XXXX XXXX XXXX 2024 XXXX. XXXX. XXXX XXXX 2024 XXXX XXXX XXXX XXXX 2024 XXXX XXXXXXXX XXXXK XXXX XXXX 2024

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 2025-03-21 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: MD

Complaint narrative:
I am formally disputing an unlawful medical debt currently listed on my consumer credit report by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ). This tradeline is in direct violation of federal law and must be permanently removed. The Consumer Financial Protection Bureau ( CFPB ) has ruled that medical debt can no longer be included on consumer credit reports. As of XX/XX/year>2024, all medical debt is prohibited from appearing on consumer credit reports. The continued presence of this tradeline on my credit report is unlawful and must be deleted immediately. 

Additionally, the debt collector has failed to respond to a Notice I sent regarding a dispute with the debt. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must validate a debt upon request before continuing collection or reporting. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX XXXX a formal written dispute and demand for validation. To date, the company has failed to respond within the required 30-day period, failed to provide proof that this debt is lawful and valid leaving my concerns unaddressed. Continued reporting the debt despite being legally required to cease all collection efforts. Since no validation was provided, this account must be removed under FCRA 1681s-2 ( a ), which prohibits furnishing inaccurate or unverified information.

As credit reporting agencies, you have a legal obligation under FCRA 1681i to remove unverifiable accounts. Since medical debt is no longer reportable under federal law and the debt collector has failed to validate this account, its continued presence on my consumer report constitutes a willful violation of the Fair Credit Reporting Act. Therefore, I demand that this account be permanently deleted from my credit report within 10 days.

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 2025-03-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
In an attempt to get a response from this company the initial letter was sent off on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

( ) I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau Name ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : 1. XXXX XXXX- XXXX XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 
15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 
I also believe that the actions of [ Credit Bureau Name ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing 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