vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Collection XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Collection XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$3700.00} Late/Open Inquiries in Dispute : XXXX & XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I want reported accounts to be removed from my account. These are the accounts - 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 XXXXXXXX

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 2025-01-23 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: GA

Complaint narrative:
I want reported accounts to be removed from my account. These are the accounts 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 XXXXXXXX

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 2025-01-23 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 hope this complaint finds you well. I'm demanding that EXPERIAN delete-da this alleged account immediately. I'm expressing that I have the capacity to overstand my federally protected rights. They have NOT provided me PROOF of ANY documentation of my red wet-ink signature, that proves this alleged account belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO XXXX XXXX XXXX I will not accept these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( XXXX XXXX XXXX AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF XXXX XXXX XXXX, XXXX XXXX XXXX ( ABUSIVE PRACTICES ), XXXX XXXX XXXX ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), XXXX XXXX XXXX XXXX XXXX ( MISLEADING FALSE REPORTING ), XXXX XXXX XXXX ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! 
Also, please be aware that I'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.

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 2025-01-23 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: SC

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence thru investigation. This practice violates the XXXX XXXX  XXXX XXXX, which mandate a reasonable investigation of disputes. Furthermore, Equifax actions may also intervene the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceedings XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
I am part of a national public date of breach and I informed them of that and put the credit freeze on and it never updated my credit score. Ive had multiple identity fraud and to protect me they didnt. I have multiple investigations and nothing has been done. They didnt send me any letters regarding my stolen identity and fraud. I have multiple discrepancies that have never been taken off and I would like for it to be fixed. I would like to be compensated financially due to having this fraud and losing so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
I am part of a national public date of breach and I informed them of that and put the credit freeze on and it never updated my credit score. Ive had multiple identity fraud and to protect me they didnt. I have multiple investigations and nothing has been done. They didnt send me any letters regarding my stolen identity and fraud. I have multiple discrepancies that have never been taken off and I would like for it to be fixed. I would like to be compensated financially due to having this fraud and losing so much money.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The account in question was removed from my credit file by XXXX on XX/XX/year>. However, it is still appearing on my report with your agency. 

The specific account information is as follows : Account Name : [ XXXX ] Account Number : [ N/A ] Reported Date : [ XX/XX/year> ] I am requesting that you investigate this matter and remove the item from my credit report, as it has already been removed by another bureau and is no longer valid. Please provide written confirmation once the dispute has been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within 30 days of receiving this letter. I appreciate your prompt attention to this matter. 

If you need any further information from me to process this dispute, please feel free to contact me at [ phone number ] or via email at [ email address ]. 

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 2025-01-23 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: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within XXXX  days. The supporting documents are enclosed for your review and action.

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 2025-01-23 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: LA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report, referenced below, which I believe are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof bearing my signature or electronic signature for these actions. This letter is being sent directly by me, not through a third party, and I kindly ask that you review it thoroughly. 

These actions were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B Blocking information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ] and Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

Upon contacting the companies involved, I found that these actions were initiated without proper validation or original proof from any of the reporting entities. As such, the accounts and inquiries in question are inaccurate and stem from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

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 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 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 2025-01-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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 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 2025-01-23 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: SC

Complaint narrative:
Ongoing Negligence by Credit Bureaus and XXXX XXXX XXXX XXXX I have been a victim of identity theft since 2018, and despite taking numerous actions over the years to address fraudulent accounts on my credit report, the XXXX major credit bureausExperian, XXXX, and XXXX failed to correct these errors. 

Actions Taken by Me : I have repeatedly disputed the fraudulent accounts with all three credit bureaus, providing supporting documentation each time. 
Despite my efforts, the credit bureaus have relied solely on their automated E-OSCAR system to process disputes, rather than conducting a proper human investigation as required by law. 
The results of these disputes have consistently come back as " verified, '' which is false and demonstrates their failure to perform a thorough investigation. 
Negligence by Credit Bureaus : The credit bureaus have not fulfilled their legal obligation to investigate disputes properly under the Fair Credit Reporting Act ( FCRA ). 
They have also sent my personal information overseas to countries like XXXX and the XXXX, which raises serious concerns about data security and contributes to the growing issue of identity theft. 
XXXX Breaches and Their Impact : In addition to being a victim of identity theft, I recently discovered that my personal information was impacted by a data breach at XXXX. 
Furthermore, XXXX XXXX leaked my data, compounding the damage caused by these breaches. 
XXXX and XXXX XXXX : The negligence of the credit bureaus and the mishandling of my personal information have caused significant harm to my life, including : Severe financial burdens. 
Defamation of character. 
Inability to purchase a home for myself and my children, as I am a single father. 
Emotional distress and damage to my livelihood. 
Demands : I am demanding the immediate deletion of all fraudulent accounts from my credit report. Additionally, I believe I am entitled to compensation for the negligence and harm caused by the credit bureaus ' failure to act responsibly.

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 2025-01-23 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:
I am part of a national public date of breach and I informed them of that and put the credit freeze on and it never updated my XXXX XXXX. Ive had multiple identity fraud and to protect me they didnt. I have multiple investigations and nothing has been done. They didnt send me any letters regarding my stolen identity and fraud. I have multiple discrepancies that have never been taken off and I would like for it to be fixed. I would like to be compensated financially due to having this fraud and losing so much money.

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 2025-01-23 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-23 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: WI

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report regarding a XXXX late payment reported by XXXX XXXX XXXX for XX/XX/year>. I have been actively disputing this information, as I believe it is incorrect and does not accurately reflect my payment history. 

I have submitted comprehensive documentation that proves I was never late on my payments during this period. This documentation includes bank statements, payment confirmations, and written correspondence from XXXX XXXX XXXX, all confirming my timely payment history. Despite providing this evidence, my Experian credit report has not been updated to reflect the accurate information. 

The continued presence of this erroneous late payment on my credit report is severely impacting my ability to obtain new credit and secure housing. Lenders and landlords rely heavily on credit reports to assess risk, and this inaccurate information is unjustly hindering my opportunities for financial growth and stability. 

Additionally, I would like to bring to your attention the recent lawsuit against Experian by the Consumer Financial Protection Bureau ( CFPB ). This lawsuit highlights the critical importance of accurate credit reporting and the responsibility of credit bureaus to ensure the information they provide is correct. I trust that Experian is committed to addressing these issues and will take my dispute seriously. 

I urge you to review the documentation I have provided and take immediate action to correct this misinformation on my Experian report. It is crucial for my financial well-being that my credit profile accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian and XXXX block XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 
The fraudulent information includes : 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 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  Chapter XXXX Bankruptcy XXXX These fraudulent items have caused numerous hard inquiries and collections activity to appear on my consumer credit report, all of which I dispute. I have attached copies of the relevant documentation, including the FTC Identity Theft Criminal Complaint # ( private case number ), as proof that these items are fraudulent.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union has my account on overdraft XXXX  for the past week. 
On XXXX XXXX of 2025 my account goes into overdraft. 
They leave my transactions as pending cause me to think i have money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation