vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report, which was issued by your agency. Upon reviewing my credit report, I have identified several discrepancies that need to be corrected. Below is a detailed explanation of each item that I believe is reported incorrectly : 1. XXXX XXXX Account Account Number : XXXX The account has been written off for over a year, yet it is still showing late payments, which is inaccurate. I request that this account be updated to reflect the correct status. It should not show any late payments after the account was written off. 
2. XXXX  Account Account Number : XXXX Similar to the XXXX XXXX account, this account was written off over a year ago. However, it is still showing late payments, which is incorrect. I kindly request that this account be updated to accurately reflect its written-off status with no further late payments. 
3. XXXX XXXX XXXX Account Number : XXXX This loan was repossessed, but the balance reported is incorrect. Please update the balance to reflect the correct amount, including any adjustments or paid-off portions. I request that you also update the report to reflect the correct status of this account. 

I have attached supporting documentation, including any payment records, correspondence with the creditors, and statements that verify the correct information. These documents should assist in resolving the issues mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that these items be investigated and corrected promptly. Please provide me with a written response regarding the outcome of your investigation, as well as a copy of my updated credit report once the corrections have been made. 

If you require any additional information or documentation from my end, please contact me at the phone number or email address listed above. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed XXXX XXXX with Experian multiple times they keep taking it off my credit and putting it back on with different false illegal reasons why. 

I sent them this and letters i have never done business with your company. 
i am a victim of identity theft this account was opened without my consent. 
i request this be removed of my account. i have never signed a contract or done business with this bank. i have contacted all bureaus and now this bank is claiming a limit above credit which is illegal because not only did i request to have this closed but this account and card is not in service i reported this when i found out my identity was stolen. 

I have never signed anything with XXXX XXXX there is no contract or proof of my identity or I'd or pictures or me doing business with them they can't provide this info and I told them by law they have to delete it. 

this needs to be removed off my credit report immediately

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 2025-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
This notice is being sent to inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt.

I am instructing you to please delete the following fraudulent account ( XXXX ) and inaccurate information from my consumer report immediately. 

See attachment for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC..obtained several of my debts without notice, nor my concent or my permission to do so... now this shows as a collection action I have on my credit report... they will not give me any information nor did they when the purchased those debts. Nor did I give them permission to obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased a round trip flight from XXXX XXXX for {$1400.00} leaving XXXX  XXXX XX/XX/XXXX arriving intended to arrive in XXXX XX/XX/XXXX however due to incompetence by the air carrier my flight was severely delayed causing me to miss my stay in XXXX and as outlined in their passenger rights there is supposed to be monetary compensation which has not been given. Furthermore my flight returning from XXXX to XXXX was delayed and then they closed my next gate to get home ( XXXX to XXXX ) earlier than outlined on their tickets I took a screenshot of my phone as soon as I thought to at the gate and latter took one of my calendar while waiting for their customer service representative to lie to my face and tell me I did not make it in time despite it saying on the ticket boarding closed at XXXX. I also took a picture of their support desks ticket which highlights the time when it is printed. Indicating XXXX with there being well over a 5 minute walk from my gate to their help desk and I spent time arguing and begging the people at the gate explaining how I had arrived in time. They forced me to pay {$1000.00} to get home despite it being their fault. Additionally I have attached a screenshot of my bags XXXX because they told me that I was too late to board so my bags would be waiting for me at my destination but my XXXX clearly shows that my bags were still at the terminal having never been loaded or were taken off the flight if they were never loaded I dont know how they expected me to make it in time and if they were removed there was enough time to allow me to board. This is clearly an elaborate scam designed to extort passengers out of money because they are desperate to get home. They have indicated to my bank I voluntarily took a flight change for the next day which can not be further from the truth. It was extortion pure and simple. My bank Wells Fargo refuses to look further into the matter because XXXX XXXX  indicated the flight ran at the scheduled time ( which I never complained about ) my complaint has been it left without me or my girlfriend because they prevented us from boarding in order to extort money from us.

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 2025-04-07 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
I CONTACTED THE CREDITORS AND ADVISED THEM THAT THESE ACCOUNTS WERE FRAUDULENT AND DID NOT BELONG TO ME. THEY STILL HAVE NOT ACTIONED MY ACCOUNT AS REQUESTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
I CONTACTED THE CREDITORS AND ADVISED THEM THAT THESE ACCOUNTS WERE FRAUDULENT AND DID NOT BELONG TO ME. THEY STILL HAVE NOT ACTIONED MY ACCOUNT AS REQUESTED.

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 2025-04-07 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and XXXX  ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : XXXX. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 
XXXX. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 
XXXX. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-04-07 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-04-07 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:
I am submitting this complaint regarding Experian failure to properly investigate a dispute I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims Experian has not taken the necessary steps to conduct a proper investigation which violated my rights as a consumer under the FCRA. I have submitted dispute for these accounts and provided documents to provide the information is either inaccurate or unverifiable. However Experian has either failed to verify the information properly or responded with generic " verified '' statement without explaining their investigation process or correcting the errors. This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being affecting my ability to get approve for credit, loans, house ect ..

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 2025-04-07 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: VA

Complaint narrative:
I submitted a dispute to correct the inaccurate middle name on my credit report. My legal middle name is XXXX but Equifax continues to report it incorrectly as XXXX. I uploaded a copy of my government-issued ID ( front and back ) clearly showing the correct middle name. 
Despite proper documentation, the bureau previously verified this inaccurate name on XX/XX/XXXX, XXXX a XXXX correcting it. Today is XXXX, XX/XX/XXXX, and I fear the same wrongful verification process will happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-07 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNT TO BE REMOVED XXXX XXXX XXXX XXXX XXXX  These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-07 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
I ordered a XXXXXXXX XXXX in the amount of {$42.00} on XX/XX/year> that arrived with no installation CD for the drivers needed to run the XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
XXXX charged my account for {$110.00} on XX/XX/year> ending with card number XXXX and again on XX/XX/year> for {$110.00}. Recuring charge that was cancelled. Requesting refunds.

Company response to consumer: Closed with explanation