vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: KS

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MS

Complaint narrative:
Dear ( True Accord Corp ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XXXX XXXX ). I dispute the validity of this debt and request that you immediately cease all further communication with me regarding this matter, as authorized by 15 U.S. Code 1692c ( c ). Please provide validation of the debt, including the name of the original creditor, and the amount owed, and any documentation that supports the validity of the debt, as required by FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
I am writing to formally dispute certain accounts and a collection entry listed on my credit report.My personal information was involved in two data leaks : XXXX and XXXX XXXX. These accounts were fraudulently opened in my name without my knowledge or authorization. I request that you remove them from my credit report 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 2025-01-09 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: CA

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EXPERIAN reporting agency , block information appearing on my consumer 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 personal credit card XXXX XXXX XXXX  : ACCT # XXXX OPENED XXXX, XXXX  ACCT # XXXX OPENED XX/XX/2018 XXXX  ACCT # XXXX OPENED XXXX, XXXX XXXX : ACCT XXXX XXXX OPENED XXXX, XXXX XXXX XXXX : ACCT # XXXX OPENED XXXX, XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT : XXXX OPENED XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX OPENED XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX OPENED XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I am writing to file a complaint regarding issues I encountered with my car loan please note my extended warranty XXXX is included in overall car loan. Also the issues included the repair service provided by XXXX XXXXXXXX XXXX XXXXXXXX. The repair process has caused significant financial hardship, and I believe that both the dealership and the warranty provider have failed to uphold their obligations. 

Here is a summary of the situation : 1. Engine Replacement Issue : I took my car to XXXX XXXXXXXX XXXX XXXXXXXX for service, where it was determined that an engine replacement was necessary. I utilized my XXXX extended warranty to cover the repair costs. 
According to the agreement, XXXX was confused if they were installing a new or used engine. 
XXXX informed me they were installing a engine with XXXX miles However, without my knowledge or consent, XXXX XXXX installed a different engine with over XXXX miles, violating the terms of the warranty and my agreement. 
Additionally, XXXX failed to investigate the situation further, because I had reached my limit of liability. 
XXXX XXXX Failure to Investigate : After I reached my liability limit, XXXX did not make the necessary inquiries or assist in resolving the issue, even though they were aware of the situation. 
They failed to investigate whether the engine replacement was handled correctly or whether the terms of the warranty were properly followed by XXXX XXXX. 
XXXX did not intervene to ensure that I was not left with a faulty and unauthorized engine, nor did they assist in covering the additional repair costs. 
3. Financial Impact and Current Situation : This unauthorized engine replacement, along with XXXX failure to investigate or provide proper assistance, has placed me in a difficult financial situation. I am now behind on my car payments because of the unexpected repair costs and the ongoing mechanical issues with the car. 
My check engine light has come on, and I am still facing problems with the vehicle, which has further delayed my ability to catch up on car payments and has exacerbated my financial hardship. 

The actions ( and inactions ) of XXXX XXXX and XXXX have caused undue stress and financial strain. Not only did I receive an unauthorized engine that did not meet the terms of my warranty, but XXXX failed to assist or investigate the matter becauseI reached my liability limit. 

I am requesting your help in investigating this issue and ensuring that both the repair process and my warranty coverage are properly addressed. I would like to seek reimbursement or coverage for the additional costs incurred due to the unauthorized engine replacement and to address the financial difficulties caused by the situation. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive sent all my disputes to XXXX Transunion and XXXX, but instead of resolving the problems, they keep sending back letters that seem like theyre stalling. It feels like they arent taking any real action, and Im getting really frustrated with this back-and-forth. Im tired of dealing with it, and it seems like theyre not fixing the issue at all. This is outrageous, and Im considering contacting an attorney to get this sorted out once and for all. 

I have attached there letter.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive sent all my disputes to XXXX XXXX and Equifax, but instead of resolving the problems, they keep sending back letters that seem like theyre stalling. It feels like they arent taking any real action, and Im getting really frustrated with this back-and-forth. Im tired of dealing with it, and it seems like theyre not fixing the issue at all. This is outrageous, and Im considering contacting an attorney to get this sorted out once and for all. 

I have attached there letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: AZ

Complaint narrative:
My XXXX XXXX 's account is showing XXXX late payments in XXXX and XX/XX/2024. I am a veteran with a service related XXXX  injury. I meet other XXXX veterans online and travel to their location to provide emotional support. During the periods when the late payments were reported, I was in an area affected by severe weather and or a natural disaster. This caused glitches in the app which resulted in the app showing that the payment was successfully submitted. I am asking for XXXX XXXX XXXX XXXX XXXX a good will rehabilitation of the late payments in light of the circumstances. I believe natural disasters are are framework for this kind of credit history remedy.

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 2025-01-09 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: AZ

Complaint narrative:
My XXXX XXXX 's account is showing XXXX late payments in XXXX and XX/XX/year>. I am a veteran with a service related XXXX  injury. I meet other XXXX veterans online and travel to their location to provide emotional support. During the periods when the late payments were reported, I was in an area affected by severe weather and or a natural disaster. This caused glitches in the app which resulted in the app showing that the payment was successfully submitted. I am asking for XXXX XXXX XXXX XXXX XXXX a good will rehabilitation of the late payments in light of the circumstances. I believe natural disasters are are framework for this kind of credit history remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: AZ

Complaint narrative:
My XXXX XXXX 's account is showing XXXX late payments in XXXX and XX/XX/year>. I am a veteran with a service related XXXX  injury. I meet other XXXX veterans online and travel to their location to provide emotional support. During the periods when the late payments were reported, I was in an area affected by severe weather and or a natural disaster. This caused glitches in the app which resulted in the app showing that the payment was successfully submitted. I am asking for XXXX XXXX XXXX XXXX XXXX a good will rehabilitation of the late payments in light of the circumstances. I believe natural disasters are are framework for this kind of credit history remedy.

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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: KS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MD

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-09 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: KY

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 2025-01-09 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: EQUIFAX, INC.
State: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
I am writing to formally request your intervention regarding a serious issue I am experiencing with Experian, one of the major credit reporting agencies. Experian has consistently failed to adhere to the Fair Credit Reporting Act ( FCRA ) requirements, specifically concerning the blocking of fraudulent accounts from my credit report. 

On XX/XX/XXXX, I sent a letter to Experian certified mail received on XX/XX/XXXX identifying fraudulent accounts on my credit report and requested that these accounts be blocked in accordance with the FCRA. Enclosed with this letter were all necessary documents, including an FTC Identity Theft Report and proof of certified delivery. 

Unfortunately, on XX/XX/XXXX, Experian responded inappropriately by stating they are unable to block my address as requested. This response does not relate to my original complaint, which clearly outlined the need to block fraudulent accounts, not an address, specifically the XXXX XXXX Account # XXXX. This indicates either a gross misunderstanding of my request or a willful neglect of their obligations under the FCRA. 

I have enclosed a copy of Experians response letter, which demonstrates their failure to address the actual issue. Additionally, my original complaint, showing the fraud, and the FTC report are also enclosed. 

This situation reveals a troubling pattern of Experian issuing false responses and ignoring legitimate requests. Such actions not only undermine my rights as a consumer but also violate the FCRA, which mandates the blocking of fraudulent accounts upon proper notification and documentation. 

I urge the Consumer Financial Protection Bureau to take immediate action to ensure Experian complies with the law. They must be held accountable for their failure to process my request appropriately and stop sending irrelevant and misleading responses to complaints that were never filed. 

Thank you for your attention to this urgent matter. I am confident in your commitment to protecting consumer rights and ensuring compliance with the law. 


[ Enclosures : Experians Response Letter Unrelated to the Request, Original Complaint, FTC Identity Theft Report, Proof of Certified Delivery ]

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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Names are listed wrong on all credit report companies.

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 2025-01-09 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX debt creditor XXXX, Transunion and XXXX is reporting several inaccuracies on my credit. I disputed XXXX of 2024 r

egarding this being a fraudulent account and they keep raising the balance when the account has been closed for 3 years. I have disputed this for the past 4 years and yet nothing has happened and the credit companies keep misreporting this and adding charges to my credit. 15 U.S. Code 1681n - Civil liability for willful noncompliance And 15 U.S.C. 1681o Civil liability for negligent noncompliance

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 2025-01-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX debt creditor XXXX, XXXX and equifax is reporting several inaccuracies on my credit. I disputed XXXX of 2024 regarding this being a fraudulent account and they keep raising the balance when the account has been closed for 3 years. I have disputed this for the past 4 years and yet nothing has happened and the credit companies keep misreporting this and adding charges to my credit.

15 U.S. Code 1681n - Civil liability for willful noncompliance And 15 U.S.C. 1681o Civil liability for negligent noncompliance

Company response to consumer: Closed with explanation