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

Complaint narrative:
Data Breach of my credit report information. Code 15 US 1681, I am entitled to accurate reporting of my credit report. I contacted all 3 credit agencies Transunion, Experian and Equaifax and spoke with them on the phone to go over all the wrong addresses being reported as mine which are not, the different variations of my name being reported which are not me, none of the hard inquiries on my reports are mine or from me attempting credit or loans or otherwise, the late payments on everything, loans and credit cards are wrong because I don't have any late payments with anything. Debt collections are not mine, charged off accounts that are still being reported monthly that say charged off years ago or settled yet still being reported, collections agencies trying to collect on charge offs accounts by being misi formed with all this misinformation. XXXX XXXX XXXX, not mine. XXXX XXXX not mine. XXXX XXXX, not mine and I called all 3 of those companies directly and told them that's not me and they went over my Info with me but was always the wrong email which is obviously whoever the real person is. The address in California was just added to the list of addresses on my credit reports, that's a new one and I've never been to California. Everything is messed up and and I want all this negative stuff impacting my credit scores removed under code 15 US 1681. My credit score should be XXXX being I've had credit 28 years yet my credit reports say a little over 5 years, this all needs to be removed immediately and my credit fixed, my date was obviously breached and I filed also with a FTC report # XXXX. Under code XXXX5 US 1681 I am entitled to accurate credit reporting and Transunion, Experian and Equaifax are violating that federal law without regard to anyone 's credit by not investigating anything fully to see the erroneous stuff just piling up on everything and just reporting everything repeatedly without fixing anything ever and always denying disputes when the proof is right there on the reports that it's all wrong. Please removed everything negative from my credit report immediately. Thank you

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

Complaint narrative:
Data Breach of my credit report information. Code 15 US 1681, I am entitled to accurate reporting of my credit report. I contacted all 3 credit agencies Transunion, Experian and Equaifax and spoke with them on the phone to go over all the wrong addresses being reported as mine which are not, the different variations of my name being reported which are not me, none of the hard inquiries on my reports are mine or from me attempting credit or loans or otherwise, the late payments on everything, loans and credit cards are wrong because I don't have any late payments with anything. Debt collections are not mine, charged off accounts that are still being reported monthly that say charged off years ago or settled yet still being reported, collections agencies trying to collect on charge offs accounts by being misi formed with all this misinformation. XXXX XXXX XXXX, not mine. XXXX XXXX not mine. XXXX XXXX, not mine and I called all 3 of those companies directly and told them that's not me and they went over my Info with me but was always the wrong email which is obviously whoever the real person is. The address in California was just added to the list of addresses on my credit reports, that's a new one and I've never been to California. Everything is messed up and and I want all this negative stuff impacting my credit scores removed under code 15 US 1681. My credit score should be XXXX being I've had credit 28 years yet my credit reports say a little over 5 years, this all needs to be removed immediately and my credit fixed, my date was obviously breached and I filed also with a FTC report # XXXX. Under code XXXX5 US 1681 I am entitled to accurate credit reporting and Transunion, Experian and Equaifax are violating that federal law without regard to anyone 's credit by not investigating anything fully to see the erroneous stuff just piling up on everything and just reporting everything repeatedly without fixing anything ever and always denying disputes when the proof is right there on the reports that it's all wrong. Please removed everything negative from my credit report immediately. Thank you

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 2025-03-03 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX

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

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



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

Incorrect Name- XXXX XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-03 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: OH

Complaint narrative:
It was a data breach and my information was compromised

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 2025-03-03 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: PA

Complaint narrative:
am a victim of identity theft, and despite XXXX disputes and counting, TransUnion has failed to remove fraudulent accounts from my credit report and has reinserted previously deleted fraudulent accounts without providing the legally required notice. I have attached my several FTC reports, Dispute Updates from XXXX AND XXXX, Utility Bill, Drivers License, Social Security Card several times and TRANSUNION continues to send me notices stating my documents are not acceptable. They are attached again to this CFPB Report I have submitted an FTC Identity Theft Report and supporting documentation, yet TransUnion has refused to comply with the Fair Credit Reporting Act ( FCRA ) and continues to report the following fraudulent accounts XXXX XXXX XXXX XXXX ( Account XXXX, {$4500.00} ), XXXX XXXX XXXX XXXX  ( Account XXXX ), FCRA 605B Failure to Block Fraudulent Accounts : TransUnion failed to block fraudulent accounts within four ( 4 ) business days after receiving my FTC Identity Theft Report and supporting documents. FCRA 611 ( a ) ( 5 ) ( B ) Unlawful Reinsertion of Deleted Items Without Notice : TransUnion reinserted the following fraudulent accounts without providing the required notice within five ( 5 ) business days : XXXX XXXX XXXX XXXX ( Account XXXX ) XXXX XXXX XXXX XXXX ( Account XXXX, {$4500.00} ), FCRA 612 ( a ) ( 1 ) ( A ) Denial of Access to Credit Reports & Online Disputes : TransUnion restricted my ability to dispute online and denied me access to my free weekly credit reports, violating the CARES Act and FCRA 612 ( a ) ( 1 ) ( A ).

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 2025-03-03 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: NC

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 2025-03-03 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:
It was a data breach and my information was compromised

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

Complaint narrative:
It was a data breach and my information was compromised

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 2025-03-03 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: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX and Experian 15 U.S.C. 6801 This law is part of the Gramm-Leach-Bliley Act It requires financial institutions to protect customer information It requires financial institutions to have policies to respect customer privacy It requires financial institutions to protect against unauthorized access to customer records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
My information was leak in a data breach. My credit has been significantly damaged. And no correction from credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
This is my final request for the immediate deletion of the inaccurate and conflicting information being reported on my credit report. Your continued reporting of this unverified and inconsistent information constitutes clear violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

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 2025-03-03 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: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
I do not recognize these addresses PLEASE REMOVE THEM FROM MY CREDIT REPORT IMMEDIATELY Do NOT REPORT AS FORMER PLEASE REMOVE IMMEDIATELY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2025-03-03 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: MI

Complaint narrative:
My name is XXXX XXXX upon reviewing my credit report i notice some accounts that does not belong to me and are fraudulent asking that you please investigate.

See Attached

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 2025-03-03 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: NV

Complaint narrative:
I am writing to formally dispute the repossession and charge-off entry on my credit report, listed under XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ), I request an immediate investigation and removal of this item due to inaccurate or unverifiable reporting.

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 2025-03-03 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: MD

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

i have never been late on payments for the account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late.

If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. thank you

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Student loan should of been included in my XXXX  XXXX bankruptcy.

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

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

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

Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX

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

Complaint narrative:
I

am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item. 2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT consistently calls after I ask for signature proof of me a agreeing for a debt with XXXX  XXXX to be sold or signed off to MIDLAND CREDIT MANAGEMENT which I did not do.

Company response to consumer: Closed with non-monetary relief