vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding my experience with Experian and the negative impact it has had on my financial well-being. Over the past few months, I have encountered significant difficulties with their handling of my credit report disputes, which has caused considerable frustration and stress. 

I filed multiple disputes with Experian, seeking resolution for inaccurate information on my credit report. Despite my efforts, I have found that their investigations have been neither thorough nor timely, and the responses I received lacked clarity and substance. As a result, I have been left with unresolved issues that have hindered my ability to manage my financial affairs effectively. 

Upon further investigation, I became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which alleges improper handling of consumer disputes and investigations. This legal action resonated deeply with me, as it mirrored my own experience of being inadequately supported by Experian in addressing the errors on my credit report. The CFPB lawsuit outlines how such practices have harmed numerous consumers, causing undue stress and financial difficulties. I believe this lawsuit reflects a systemic issue within the company that has affected a significant number of individuals, myself included. 

The situation has left me feeling powerless and uncertain about the reliability of credit reporting agencies. I trusted Experian to provide accurate information and to respond fairly to my disputes, but my experience has undermined that trust. This has not only affected my credit score but has also contributed to a broader sense of insecurity about my financial future. 

I sincerely hope that the actions being taken by the CFPB will lead to meaningful changes within Experian and the broader credit reporting industry. It is crucial that companies such as Experian are held accountable for their practices to ensure that consumers receive the fair treatment and transparency they deserve. 

Thank you for your attention to this matter. I appreciate the opportunity to share my experience and hope that this will contribute to greater accountability and reform in the industry.

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 2025-03-07 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding my experience with Experian and the negative impact it has had on my financial well-being. Over the past few months, I have encountered significant difficulties with their handling of my credit report disputes, which has caused considerable frustration and stress. 

I filed multiple disputes with Experian, seeking resolution for inaccurate information on my credit report. Despite my efforts, I have found that their investigations have been neither thorough nor timely, and the responses I received lacked clarity and substance. As a result, I have been left with unresolved issues that have hindered my ability to manage my financial affairs effectively. 

Upon further investigation, I became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which alleges improper handling of consumer disputes and investigations. This legal action resonated deeply with me, as it mirrored my own experience of being inadequately supported by Experian in addressing the errors on my credit report. The CFPB lawsuit outlines how such practices have harmed numerous consumers, causing undue stress and financial difficulties. I believe this lawsuit reflects a systemic issue within the company that has affected a significant number of individuals, myself included. 

The situation has left me feeling powerless and uncertain about the reliability of credit reporting agencies. I trusted Experian to provide accurate information and to respond fairly to my disputes, but my experience has undermined that trust. This has not only affected my credit score but has also contributed to a broader sense of insecurity about my financial future. 

I sincerely hope that the actions being taken by the CFPB will lead to meaningful changes within Experian and the broader credit reporting industry. It is crucial that companies such as Experian are held accountable for their practices to ensure that consumers receive the fair treatment and transparency they deserve. 

Thank you for your attention to this matter. I appreciate the opportunity to share my experience and hope that this will contribute to greater accountability and reform in the industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ). Despite providing supporting documentation that substantiated my claim, TRANSUNION responded in XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section XXXX ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the XXXX XXXX XXXX XXXX XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANSUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, XXXX XXXX. XXXX. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with TransUnion through XXXXXXXX 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 2025-03-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Equifax XXXX XXXX, I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reporting agencies ensure the maximum possible accuracy of consumer information. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ) of the XXXX XXXX XXXX XXXX, it is unlawful for consumer reporting agencies to engage in any unfair, deceptive, or abusive acts or practices. 

Furthermore, under 15 U.S.C. 1681c-2 ( Section XXXX ) of the FCRA, if this inaccurate information is the result of identity theft, I have the right to request that it be blocked from my credit report. If applicable, I am providing the necessary documentation to support this claim, and I request that Equifax take immediate action in compliance with the law. 

In compliance with the FCRA, I expect an investigation and a response within XXXX  days of receiving this dispute. If Equifax fails to correct these inaccuracies, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 

Enclosed are copies of supporting documents to support my claim. Please update my credit file accordingly and send me written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter. Please respond in writing to confirm receipt and the outcome of your investigation. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I have a paid and settled account from XXXXXXXX XXXX XXXXhat the bureaus have not removed even though I have provided proof from of a promise from the creditor AND collections company to remove it from my credit after payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-07 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AK

Complaint narrative:
The accounts are inaccurate as a result of a breach of my information by the XXXX credit bureaus 15 U.S. Code 1692c Communication in connection with debt collection the law limits the situations where the debt collector can communicate with third parties about your debt.

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Subject : Debt Validation Request Pursuant to FDCPA ( 15 U.S.C. 1692g ) To Whom It May Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under 15 U.S.C. 1692g, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), if you fail to provide adequate validation within 30 days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Failure to comply with this request may result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1692k ), plus attorney fees and court costs. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ). 

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This is not my account. ( XXXX XXXX ) Please investigate and verify my signature on this account. If not verified within 15 days please remove this account from my remove.

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 2025-03-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: FL

Complaint narrative:
As I was reviewing my credit profile there was some inquiries that are not mine.

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 2025-03-07 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: Experian Information Solutions Inc.
State: PA

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 Experians 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 2025-03-07 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: NY

Complaint narrative:
I have multiple incorrect addresses, names and employers that dont belong to me on my credit report here are a list of all the incorrect information on 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 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 2025-03-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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