vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Has not shown me validation for inaccurate accounts 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 2025-04-10 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: MN

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 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: SC

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are reporting a fraudulent XXXX XXXX account from XXXX XXXX XXXX that I never authorized. Despite submitting disputes directly to the credit bureaus, they have failed to properly investigate the issue and continue to report this inaccurate and damaging tradeline. 

Facts of the Case : The account in question was opened on XX/XX/XXXX with XXXX XXXX XXXX for a balance of {$33000.00}, currently showing a past-due amount of {$1300.00} as of XX/XX/XXXX. 
I did not authorize or sign any agreement with XXXX XXXX XXXX. The contract contains a forged signature and is based on an invalid and fraudulent agreement. 
The timing is suspicious and inconsistent : there are five inquiries listed on my report dated XX/XX/XXXX, but the loan account was allegedly opened on XXXX very next day. This suggests that the application was pushed through fraudulently without my knowledge or consent. 
All other accounts on my report are in good standing, including : XXXX XXXX XXXX XXXX XXXX  ( 2 accounts ) XXXX XXXX XXXX XXXX ( 3 accounts ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts are either paid, never late, or carry low balances, proving a history of responsible credit use. The XXXX XXXX XXXX account is the only negative or disputed tradeline on my credit reports. 
Despite the strong evidence of fraud, the credit bureaus failed to remove the account and did not provide a meaningful investigationviolating my rights under the Fair Credit Reporting Act ( FCRA ). I also believe Experians handling of my dispute reflects the same misconduct identified in the CFPB 's XX/XX/XXXX enforcement action against Experian for sham investigations and failure to remove inaccurate tradelines.

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 2025-04-10 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: CA

Complaint narrative:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management Attention : Internal Legal Department XXXX XXXX XXXX XXXX, MI XXXX Subject : Final Request for Debt Validation and Cease Communication To Whom It May Concern, This letter serves as my final request for debt validation regarding the alleged account in your records. It has now been over 30 days since my initial request was sent to your office, in which I clearly requested the following : A copy of the original signed agreement or contract that demonstrates my legal obligation to this alleged debt.

To date, I have not received adequate documentation or verification to support your claim. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive proper validation of this debt before any further collection activity may continue. Failing to provide this information within the legal time frame violates my rights under federal law.

Accordingly, I demand the following : Immediate cessation of all collection efforts until proper validation is provided.

If you are unable to produce the documentation requested, I expect this alleged debt to be deleted from all credit reporting agencies to which it may have been reported.

No further contact is to be made regarding this matter unless it is to provide the full validation requested or to confirm the cessation of all collection activities.

If you continue to report this unverifiable debt to any credit reporting agency, or pursue collection without proper validation, I will not hesitate to report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

This letter is written without waiver of any of my rights and is sent with full reservation of all rights and remedies under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
Company continously over the years " researches '' " deletes '' then reinserts false information and credit that continously harms credit then it takes months and years to rebound. I had someone else 's bankruptcy on my account for years and once it was taken off my credit never rebounded. There was no redress or recourse it was just removed and that's that. There are numerous accounts that were clearly not mine I fought tooth and nail for months to have removed that were deleted than reappeared causing continuous damage to my report. There is another social and birth date attached to my account clearly showing they aren't properly researching information. I've been a victim of identity theft I've proven and also showed information to correct whatever individual used another birth date. They send general ambiguous responses in favor of the company never truly researching my issue.

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 2025-04-10 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: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-10 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

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 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 2025-04-10 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: VA

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 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 2025-04-10 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: GA

Complaint narrative:
XXXX - Account # XXXX Balance : {$480.00} Errors in reporting, especially when industry standards have established guidelines, are totally unacceptable. Ensuring the integrity of everyone 's financial information is more important than a single mistake. These discrepancies damage the system 's credibility. I implore you to take prompt action. Immediately deleting the data and getting rid of any errors is essential. 

XXXX XXXX - Account # XXXX Balance : {$470.00} A credit report 's integrity is supported by its consistent adherence to set standards, which appears to be lacking from the information on mine. Any deviation, no matter how small, damages the report 's credibility as a whole. I expect and am entitled to an immediate, comprehensive review from you. The action taken in the event of any non-compliance is clear : remove the errors immediately and without hesitation. 

XXXX - Account # XXXX Balance : {$700.00} Your report 's accuracy is being questioned due to its significant departure from industry accepted standards. In addition to distorting the past, these disparities raise questions about the dependability of your entire system. The time to act is now. You need to resolve these problems right away. Examine the highlighted incorrect information as soon as possible. 

XXXX  XXXX - Account # XXXX Balance : {$330.00} The fact that you have not adhered to the necessary reporting standards is extremely alarming and unacceptable. Any errors in the report could undermine its validity and utility. It is imperative that you investigate this matter with decisive action. You are in charge of quickly fixing any mistakes and making sure they are dealt with properly. 

XXXX XXXX - Account # XXXX Balance : {$170.00} It is essential that you make sure every piece of information is completely in line with the current industry standards before adding anything to my credit profile. Any inconsistencies, no matter how small or large, jeopardize the report 's overall integrity. A careful examination and prompt removal of any misaligned data are what I anticipate given the obvious discrepancies. Anything less would be an outright insult to the accuracy and trust that this process requires. 

XXXX - Account # XXXX Balance : {$0.00} Your reporting process 's dependability is called into question by the inconsistent data you have provided. Stressing the importance of accuracy in keeping these records is crucial. This is a requirement that must be fulfilled, not a request. We can not accept any departures from the accepted norms. Kindly take immediate action to resolve this issue. Eliminate any errors as soon as possible.

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 2025-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681i ( 5 ) -removal of inaccurate/invalidated. Credit information 15 usc 1681e ( b ) ( b ) -accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumerreports.

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 2025-04-10 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-10 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 filed a dispute with Equifax and Transuion related t o medical debt reported from XXXX XXXX XXXX, in the amount of XXXX dollars. This was filed XXXX XXXX XXXX I received a response from Equifax and Transunion stating the debt was verified and they did not remove the debt. This is in violation of the CFPB 's final ruling amending Regulation V of the Fair Credit Reporting Act to prohibit the inclusion of medical debt on consumer 's credit reports. 
The debts were to be removed as of was to take effect XX/XX/year>. 

Could you please assist me in getting these medical debts removed.

Company response to consumer: Closed with non-monetary relief