vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Concerns Regarding Investigation Practices Dear Experian/CFPB, I am writing to express my concern regarding the recent lawsuit filed by the Consumer Financial Protection Bureau XXXX CFPB ) against Experian on XX/XX/year>. The allegations presented in this lawsuit raise significant issues regarding how consumer disputes are handled by your agency. 

According to the CFPB, it is alleged that Experian failed to conduct proper investigations into consumer disputes and instead conducted what they describe as " sham investigations. '' It is particularly troubling that the lawsuit accuses Experian of re-inserting inaccurate information into consumer credit reports and relying excessively on furnishers ' XXXX XXXX Dispute XXXX ( XXXX ) responses, even when there was reason to doubt the reliability of those furnishers. 

As a consumer, I rely on accurate credit reporting and fair investigation processes. These practices raise serious concerns about the integrity of information that is reported and the measures taken to protect consumer rights. 

I kindly request that you provide clarification on how Experian intends to address these allegations and what steps are being taken to improve the investigation process for consumer disputes. Transparency in this matter is essential to restoring confidence in your practices and ensuring that consumers are treated fairly. Accounts that I have disputed several times with Experian, that were inaccurate and/or identity theft were never removed or reported correctly. I am requesting that the below listed accounts are removed from my credit report. 

XXXX. SYSTEM, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account number XXXX Thank you for your attention to this important issue. I look forward to your prompt 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 2025-02-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Experian, I am writing to formally request that all accounts associated with my personal information be immediately blocked and deleted due to a recent data breach. The following accounts and inquiries are impacted and need to be addressed : Accounts Affected : Account Name : XXXX Secret Date Opened : XXXX Account Number : XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Balance : {$21000.00} Hard Inquiries : The following inquiries need to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Cap XXXX Auto Fin via Dealer XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request XXXX being made under the Fair Credit Reporting Act ( FCRA ), and I am specifically referring to the following sections : 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name.

15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 
15 USC 1681e ( b ) : I ask that you thoroughly review my credit report and correct any inaccuracies caused by this incident.

15 USC 1681g ( a ) : I request a full copy of my consumer report to verify the accuracy of the information being reported.

15 USC 1681m : Please ensure no negative information resulting from this breach is reported incorrectly. 
I look forward to your prompt attention to this matter and confirmation that the necessary steps are being taken to resolve this issue. Thank you for your cooperation. 
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 2025-02-07 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, which are the result of identity theft. Despite providing all required documentationincluding a police report, FTC Identity Theft Report, government-issued ID, and proof of addressEquifax consistently responds within XXXX hours stating that the accounts are accurate. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts have been inaccurately reported on my credit file as a result of identity theft : XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX, and XXXX. ) XXXX XXXX XXXX. 

I request that the CFPB take immediate action to hold Equifax accountable, ensure compliance with federal law, and require them to provide evidence of a thorough investigation into my disputes. Additionally, I request the removal of all fraudulent accounts from my credit report and written confirmation of these actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Experian on XX/XX/year> you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX XXXX and XXXX XXXX XXXX XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By law you are obligated to report accurate information, you are also supposed to notify me not later than XXXX business days after the completion of the re-investigation by mail BUT you did not?! ( XXXX ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than XXXX business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.

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 2025-02-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

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 2025-02-07 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: IL

Complaint narrative:
Incorrect Late Payment Reporting and for student loan deferment I am filing this compliant because my student loan account has been reported incorrectly on my credit report. 

The account shows a late payment for XX/XX/year>, even though my loan was in deferment. 

This error negatively impact my credit score. 

I have disputed this issue with XXXX, XXXX and TransUnion to request correction to 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Incorrect Late Payment Reporting and for student loan deferment I am filing this compliant because my student loan account has been reported incorrectly on my credit report. 

The account shows a late payment for XX/XX/year>, even though my loan was in deferment. 

This error negatively impact my credit score. 

I have disputed this issue with XXXX, Equifax and XXXX to request correction to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
Incorrect Late Payment Reporting and for student loan deferment I am filing this compliant because my student loan account has been reported incorrectly on my credit report. 

The account shows a late payment for XX/XX/year>, even though my loan was in deferment. 

This error negatively impact my credit score. 

I have disputed this issue with Experian, XXXX and XXXX to request correction to 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 2025-02-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/year> EQUIFAX Dear XXXX, Re : Dispute of Credit Report Error - [ SECURITY CREDIT SERVICES ] I am writing to formally dispute an error on my credit report. After reviewing my report, I have identified an inaccurate entry that I believe requires correction. Below are the details of the error : Disputed Item : [ SECURITY CREDIT SERVICES ] Issue : [ NOT MY ACCOUNT. ] Reason for Dispute : [ NOT MY ACCOUNT ] I kindly request that you investigate this issue and update my credit report accordingly. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my report that is incomplete or inaccurate, and I would appreciate your prompt attention to this matter. 

Please inform me of the outcome of your investigation. If the dispute can not be resolved in my favor, I request a detailed explanation of the findings. I have enclosed copies of supporting documentation for your review. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the correction or resolution at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Upstart Holdings, Inc.
State: MI

Complaint narrative:
On multiple occasions, starting on XX/XX/year>, I have written letters to UPSTART XXXX XXXX XXXX  to ask for verification of an alleged debt. They have not responded. UPSTART XXXX XXXX XXXX has illegally posted an account to my credit bureau XXXX. 



UPSTART XXXX XXXX XXXX  Acct Number : XXXX Alleged Amount of debt : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
One Main Financial. Nothing more than predatory practices and they should be shut down. Their behavior is nothing less than abusive. Financial abusers. Took out loan for debt consolidation. Went to pay the balance in full and they took the balance from my checking account. After the final payment, Im still being harassed by this company for some nonsense late fees. They are 100 % a predatory lender and prey on people that in tough situations and not the perfect credit score. This company is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I sent a dispute letter : Letter to Remove Inaccurate Credit Information XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX and Equifax reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX XXXX  # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 
XXXX ) XXXX XXXX # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

Experian did not respond to my request. I sent several letters prior to the one above.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a dispute letter : Letter to Remove Inaccurate Credit Information XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX and Equifax reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX XXXX  # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 
XXXX ) XXXX XXXX # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

Experian did not respond to my request. I sent several letters prior to the one above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing inaccurate information on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the disclosure or reporting of my personal information to the companies listed below. This unauthorized reporting violates my consumer privacy rights, as these entities have no legal basis to report any activity under my name.

Additionally, my credit report contains unauthorized inquiries that I did not initiate, indicating possible identity theft. Per 18 U.S.C. 8, I do not owe any debt to these companies. I formally request the immediate removal of these disputed items and inquiries to ensure the accuracy of my credit report.

Please address this matter promptly and confirm the removal of these incorrect entries.

Company response to consumer: Closed with non-monetary relief