vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I am writing again to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my prior request, I have yet to receive a meaningful response, and the erroneous reporting remains uncorrected. The continued presence of these inaccuracies constitutes noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requires immediate resolution. Failure to Adhere to FCRA Standards It is deeply concerning that these errors remain unresolved, calling into question the thoroughness of your reinvestigation. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items. Given the lack of corrective action, I am requesting clarification on the following : 1.Verification Procedures : What specific steps did Experian take to verify the disputed information? 
Did the furnishers provide documented proof to substantiate their reporting? 

2.FCRA Compliance : The FCRA requires consumer reporting agencies to ensure maximum possible accuracy. Why is demonstrably false information still on my report? 

3.Deficiency in Investigation : The persistence of these errors suggests that Experian is relying on creditor-furnished data without proper verification. How does your bureau ensure compliance with investigative obligations under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and related case law? 

Immediate Corrective Actions Required To resolve these inaccuracies, I demand the following actions : Immediate Removal of Erroneous Information All incorrectly reported bankruptcies and late payments must be deleted from my credit report. 
Disclosure of Investigation Findings Provide a detailed, written explanation of the methodology and criteria used in the reinvestigation process. 
Written Confirmation of Corrections Issue formal confirmation upon the successful correction of my credit report. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MI

Complaint narrative:
Experian 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 disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: WA

Complaint narrative:
Re : Dispute of Alleged Debt Account Number : XXXX XXXX XXXX Dear Compliance Officer, Under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), I am disputing this alleged debt in its entirety. I demand the following documentation : 1. A copy of the original signed agreement proving that I entered into a contract for this alleged debt.

2. All account statements from the original creditor demonstrating a full history of charges, fees, and payments.

3. A copy of the complete purchase agreement between your firm and the original creditor, proving legal ownership and right to collect.

4. A full breakdown of all fees and charges added to this account after the original debt was created.

5. An affidavit from the original creditor, sworn under penalty of perjury, confirming the debt is valid.

6. Proof that this debt was properly reported and that all information in your records matches the original creditor 's records.

7. Proof that the debt is within the legal statute of limitations in my state for collections and credit reporting.

Until these requests are met, I demand that you remove this account from my credit report. Under 15 U.S.C. 1681s-2, you are legally responsible for ensuring accurate reporting.

Additionally, I invoke my rights under 15 U.S.C. 1692c ( c ) and request that you cease all further contact with me, except to provide the requested validation. 
Should you fail to comply with this request, I will not hesitate to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Unauthorized charges noticed of statement date. Card was lost XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at credit report after some time and notice a number of different inaccuracies and vivid violations. Those inaccuracies and vivid violations consist of the following. 

Experian { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX } XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX Acct XXXX XXXX XXXX { XXXX  XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct XXXX XXXX } { XXXX  XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX on my Experian credit report. I have previously disputed this account multiple times, and each time, Experian has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

The only so-called " verification '' provided for this account has been a bill or statement, which is legally insufficient proof of account validity under the FCRA. A bill alone does not establish : That I legally agreed to this account ( no signed contract or original agreement has been provided ).

That the balance is correct ( no full itemized breakdown of charges or payments ). 
That the account was properly assigned to XXXX XXXX ( no proof of ownership transfer ). 

Legal Violations & Damages Requested Under FCRA 1681s-2 ( b ), Experian is required to conduct a reasonable investigation when a consumer disputes an account. Merely accepting a bill without further validation fails to meet this legal standard. 

Additionally, I have disputed this account multiple times, and Experians failure to correct this inaccurate information is a willful violation of the FCRA, entitling me to statutory damages under 15 U.S.C. 1681n.

Per FCRA statutory guidelines, I am formally demanding {$1000.00} in damages per instance of Experians failure to correct this dispute as compensation for non-compliance and harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: WI

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Accounts ending in XXXX and XXXX are checking accounts and I also had a savings account with them, but I dont know the account number. 

Along with everything that I have previously stated in prior complaints, ally bank has had me on and off of account restriction for two months. This last time was the longest stretch of almost a month. I was calling them everyday to check progress of my disputes, and was assured that as soon as the investigation ended I would have access to my account again. That never happened. The last time I called I was told that they were closing all my accounts and sending me a check of my balance. They also informed me and I all the disputes filed were denied. The letter about all of them being denied stated that I could call and receive further and a more detailed response or explanation but when I called I asked the CSR for that explanation and she just kept repeating herself and saying that that was what their investigation had concluded and thats it. 
The disputes I filed ranged from XX/XX/XXXX to XX/XX/XXXX and none of which were made by me nor did I know about them being made. This is completely unfair. I feel like Im being treated like a liar. If someone was to do an actual investigation they would see that I clearly did not make any of the disputed transactions and I should be credited the money back that was stolen from me, yet, here we are. 


Note : I also filed a police report with my local police department and they are also investigating. Problem is, they wanted my ally bank statement and being as I am always locked out of my account and now that its closed, I could not provide the police with that bank statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

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 several 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 v. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. 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 v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VA

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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Ive never received a validation of this debt. Furthermore I never agreed or signed into any agreements to pay this debt. I have no details of any such debt. Such as original debt or a copy of original contract or agreement. This violates my rights as a consumer. I am under firm belief that the original creditor and debt buyer had ample enough time to reach out to me with such information such as validation of debt but failed to do so but instead attacked my credit report unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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 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 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 2025-03-14 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$370.00}

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