vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accounts that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : Please Remove Fraudulent Account immediately : CXXXX XXXX XXXX OPEN DATE : XX/XX/year> Account Number XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
I am writing to formally dispute the accuracy of certain information on my credit report, as it contains erroneous and incomplete data that violate the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the following 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 XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: AZ

Complaint narrative:
There has been a inaccuracy on my credit report, I discovered some collection account that i am not associated with and I will like this to be investigated and removed with immediate effect because reporting inaccuracy on my consumer profile violated my consumer right, fair credit act 15 USC 1681 does not permit supplying of false information i do not have nothing to do with the following account or neither am I aware of it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: DE

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX mastercard account was opened under my name fraudulently. Called XXXX Fraud Department " XXXX '' on XX/XX/XXXX with a balance of {$470.00}, and is under investigation for XXXX for account to be closed and reported to the Credit Bureau. Credit Report of XX/XX/XXXX account is in delinquent status due to nonpayment 's towards {$470.00} fraudulent purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 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: NC

Complaint narrative:
Refusing to remove all old soft and hard inquiries, as well as inquiries by companies without my permission through experience, equines, and transition! These are also showing up through XXXX XXXX and unable to dispute anything through their site with a live agent! 

Experian, Equifax, and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

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 2025-02-16 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:
Help creating a dispute letter using the code 1681 0 for civil liability, negligence and non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : Experian : Address : XXXX XXXX XXXX PKW XXXX XXXX XXXX, XXXX, GA XXXX - DELETE Experian : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX DELETE

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 2025-02-16 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: WI

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: WI

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NC

Complaint narrative:
The issue I am experiencing involves incorrect balance, missed payments, wrong status, and wrong reporting dates .This inaccurate information is being reported to the credit bureaus and is negatively affecting my credit. 

Despite my repeated attempts to resolve this issue directly with PHEAA. Navient, and XXXX XXXX, including calling customer service, sending written communication, or submitting disputes, I have not received a satisfactory response. 

I believe the reporting is not in compliance with the Fair Credit Reporting Act and may also violate other regulations related to student loan servicing and reporting. I am requesting that the CFPB investigate this matter and help facilitate the correction of my student loan account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent out letters out, Which now its Under another collection Name. When was the account opened and how much was old and when did I signed and agreed to this bank Card. They Never got back with me after multiple letters sent out from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MS

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-16 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.

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 2025-02-16 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: IN

Complaint narrative:
XXXX XXXX hard inquiry XX/XX/year> needs to be removed from my credit report immediately because it's fraudulent and inaccurate information that's violating my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experien credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to 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 2025-02-16 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: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2025-02-16 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: GA

Complaint narrative:
XXXX XXXX XXXX  HAS MY ACCOUNT AS LATE XXXX  2024 AND XXXX  2024 ON MY TRANSUNION REPORT... AND XXXX  AND XXXX  ON MY EXPERIAN REPORT. NO REPORT AT ALL ON THE EQUIFAX REPORT.  WHICH WAS ASSURED THAT THE COMPANY REPORT TO ALL THREE REOPTING AGENCIES. I'VE BEEN FIGHTING THIS SINCE XXXX.2024.NEVER BEEN LATE IN 2024. NO ONE WOULD TOUCH ME FOR A REFINACE BECAUSE OF THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
XXXX XXXX XXXX  HAS MY ACCOUNT AS LATE XXXX  2024 AND XXXX  2024 ON MY TRANSUNION REPORT... AND XXXX  AND XXXX  ON MY EXPERIAN REPORT. NO REPORT AT ALL ON THE EQUIFAX REPORT.  WHICH WAS ASSURED THAT THE COMPANY REPORT TO ALL THREE REOPTING AGENCIES. I'VE BEEN FIGHTING THIS SINCE XXXX.2024.NEVER BEEN LATE IN 2024. NO ONE WOULD TOUCH ME FOR A REFINACE BECAUSE OF THIS!

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 2025-02-16 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights.

15 U.S. G 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 a account without my written instructions

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 2025-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
In XX/XX/year> I was awarded a payment of {$100.00}. The money was compensation for a data breach at XXXX and XXXX of which I was a victim. Instead of sending me a check I was sent a prepaid digital credit card for the {$100.00}. The card never worked when I tried to make online purchases. When I called the customer service number on the card I was told the card was 'blocked ' but received no explanation as to why. To unblock the card I was asked for extensive personally identifiable information. The request for my personal information came from 'XXXX  Customer Service XXXX which is an operation I have never heard of. I believe XXXX of XXXX things is going on. A ) the XXXX and XXXX breach didn't happen and the whole story is just an elaborate ruse to steal my identity B ) The XXXX and XXXX breach did happen but XXXX is blocking the payment so they can keep the money for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The year in which this debt was issued, I was receiving XXXX so my insurance should have covered this medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Debt Validation Under 15 U.S.C. 1681 Dear Experian, I am writing to formally dispute the accuracy and validity of a debt that has been reported on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that Experian provide verification and validation of this alleged debt. The specific account details are as follows : Creditor Name : XXXX  Account Number : XXXX Amount Reported : XXXX Date of Report : XX/XX/year> In accordance with my rights under federal law, I request the following : The name and address of the original creditor associated with this debt. 

Documentation proving that I am legally responsible for this debt. 

A copy of any contract, agreement, or signed document that establishes my obligation to pay this debt. 

The method by which Experian verified this information with the creditor. 

Evidence that Experian has conducted a thorough and reasonable investigation in compliance with the FCRA. 

If Experian can not verify the debt with proper documentation, I request that it be immediately removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 5 ). 

Please respond to my request within 30 days as required by law. Additionally, I request that all correspondence regarding this matter be sent in writing to my address listed above. 

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

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 2025-02-17 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief