vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
I am filing this complaint against Experian for reporting inaccurate, incomplete, and unverifiable information on my credit report. I disputed the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my dispute, Experian failed to XXXX a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate and verify these accounts violates 15 U.S.C. 1681i and has caused ongoing harm to my creditworthiness. 

Additionally, the recent lawsuit filed by the CFPB against Experian highlights systemic issues in their dispute processes, including sham investigations and noncompliance with federal consumer protection laws. These practices directly impact my ability to receive fair treatment as a consumer. 

I have attached my formal dispute letter and supporting documentation, including my credit report highlighting the disputed accounts, to substantiate my claim. I am requesting the immediate removal of these accounts from my credit file and compliance with federal laws to ensure the accuracy and fairness of 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to detail the challenges I have faced regarding inaccuracies on my credit report due to the XXXX XXXX breach that compromised my personal information, specifically involving XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My sensitive data was included in this breach, which has resulted in unauthorized access and the creation of fraudulent accounts under my name. Consequently, this has led to the reporting of inaccurate information on my credit file, including accounts I did not open and late payments that I did not incur. 

Since discovering that my information was part of this significant data breach, I have made numerous attempts to rectify the inaccuracies on my credit report. I have disputed this information with all three major credit reporting agenciesTransUnion, Experian, and XXXX supporting documentation and evidence to substantiate my claims. Despite my diligent efforts, I have encountered persistent challenges, and nothing has been done to resolve these inaccuracies. The erroneous information continues to adversely affect my credit score and financial standing, limiting my ability to secure loans and credit. 

Additionally, I am particularly concerned about the implications of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. This lawsuit highlights serious deficiencies in how Experian manages consumer disputes and verifies the accuracy of the information it reports. The findings of the CFPB resonate deeply with my experience, as they reveal a troubling pattern of negligence that many consumers face when trying to correct inaccuracies on their credit reports. This situation underscores the urgent need for credit reporting agencies to fulfill their responsibilities in ensuring that the information they report is accurate and fair. 

In light of these circumstances, I am seeking a resolution to have the inaccurate information related to the XXXX data breach removed from my credit report. The ongoing issues I have faced with XXXX, Experian, and XXXX demonstrate the systemic challenges consumers encounter in correcting errors, particularly in the aftermath of data breaches. I hope that by sharing my experience, I can not only work toward a resolution for myself but also contribute to a broader dialogue on the importance of consumer protection and accountability in the credit reporting 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint to report XXXX XXXX XXXX attempts to collect a debt that does not belong to me. The account in question ( # XXXX ) is listed as a collection account, yet I have no knowledge of this debt and have never had any financial dealings with the original creditor, XXXX XXXX XXXX XXXX. Despite disputing the validity of this debt in writing, XXXX XXXX XXXX has failed to provide adequate documentation to validate the debt. 

Specifically : I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). 

XXXX XXXX XXXX did not provide a copy of the original signed agreement or contract that establishes my obligation to this debt. 

XXXX XXXX XXXX has not provided an itemized breakdown of the debt, including the principal amount, fees, and interest charges. 

The company continues to report this debt to credit reporting agencies, damaging my credit profile without proper validation.

Furthermore, this account may have been the result of identity theft, as I am a victim of the XXXX data breach. This raises serious concerns about the legitimacy of XXXX XXXXXXXX XXXX XXXX activities and their compliance with federal laws. 

How This Has Affected Me : XXXX XXXX XXXX actions have caused undue stress and negatively impacted my credit score.

The inaccurate reporting has created barriers to accessing credit and other financial opportunities.

Their failure to provide proper validation and continued attempts to collect on an invalid debt have violated my rights 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 non-monetary relief
Consumer complaint received 2025-01-12 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: MS

Complaint narrative:
Type : Incorrect Information on Credit Report Details of the Complaint : I am filing this complaint because Experian has refused to remove outdated and irrelevant addresses from my credit report, despite multiple requests. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following outdated addresses that no longer belong to me remain on my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are no longer accurate or relevant, and their inclusion violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy in credit reports. Outdated and irrelevant addresses violate this standard.

Section 611 : As a consumer, I have the right to dispute inaccurate or irrelevant information on my credit report. Experian is required to investigate my dispute and delete unverifiable or outdated information within 30 days of receiving my request.

Section 605 ( a ) : Obsolete information, including irrelevant addresses, must not remain on my credit report if it serves no legitimate purpose.

Additionally, I am a victim of a data breach, which increases my risk of identity theft and fraudulent activity. Leaving outdated addresses on my credit report exacerbates this risk and fails to provide the necessary protections to ensure accurate and up-to-date reporting. 

I have made several prior attempts to contact Experian, requesting that these outdated addresses be removed. Each time, my requests have been ignored or denied, despite the fact that the information is irrelevant to my credit profile. This refusal to correct errors on my credit report has caused unnecessary frustration and could potentially lead to financial harm.

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 2025-01-12 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: AZ

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Deletion of XXXX XXXX XXXX XXXX Account Dear Experian Dispute Department, I am writing to formally request the removal of the following account from my Experian credit report : Account Details : Creditor Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$50000.00} Status : Open, {$990.00} past due as of XX/XX/XXXX Original Balance : {$49000.00} Comments : Completed investigation of FCRA dispute consumer disagrees This account is inaccurately reported and does not reflect my current financial obligations. I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. 

Additionally, the recent CFPB lawsuit against Experian ( filed XX/XX/XXXX ) emphasizes the legal requirement for Experian to properly handle disputes and ensure the accuracy of consumer credit reports. 

Requested Action : XXXX. Delete the XXXX XXXX XXXX XXXX account from my Experian credit report. 
XXXX. Provide me with an updated copy of my credit report reflecting this change. 
XXXX. Cease reporting this account to any third parties. 

Please conduct a proper reinvestigation and correct this issue. If this request is not honored, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

I expect a written response within 4 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-12 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: CT

Complaint narrative:
XX/XX/year> this account was paid and closed and shouldve been deleted off my credit report .. its still showing up on my credit report as late payment and negative its balance at XXXX and reporting inaccurate on my report..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 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: WI

Complaint narrative:
I am writing to detail the challenges I have faced regarding inaccuracies on my credit report due to the Equifax data breach that compromised my personal information, specifically involving XXXX XXXX XXXX and XXXX XXXX. My sensitive data was included in this breach, which has resulted in unauthorized access and the creation of fraudulent accounts under my name. Consequently, this has led to the reporting of inaccurate information on my credit file, including accounts I did not open and late payments that I did not incur. 

Since discovering that my information was part of this significant data breach, I have made numerous attempts to rectify the inaccuracies on my credit report. I have disputed this information with all three major credit reporting agenciesTransUnion, XXXX, and Equifaxproviding supporting documentation and evidence to substantiate my claims. Despite my diligent efforts, I have encountered persistent challenges, and nothing has been done to resolve these inaccuracies. The erroneous information continues to adversely affect my credit score and financial standing, limiting my ability to secure loans and credit. 

Additionally, I am particularly concerned about the implications of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This lawsuit highlights serious deficiencies in how XXXX manages consumer disputes and verifies the accuracy of the information it reports. The findings of the CFPB resonate deeply with my experience, as they reveal a troubling pattern of negligence that many consumers face when trying to correct inaccuracies on their credit reports. This situation underscores the urgent need for credit reporting agencies to fulfill their responsibilities in ensuring that the information they report is accurate and fair. 

In light of these circumstances, I am seeking a resolution to have the inaccurate information related to the Equifax data breach removed from my credit report. The ongoing issues I have faced with XXXX, XXXX, and Equifax demonstrate the systemic challenges consumers encounter in correcting errors, particularly in the aftermath of data breaches. I hope that by sharing my experience, I can not only work toward a resolution for myself but also contribute to a broader dialogue on the importance of consumer protection and accountability in the credit reporting industry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Formal Dispute of Collection Account Reporting by Caine & Weiner Company Inc. 

I am writing to formally dispute the collection account reported on my credit reports by Caine & Weiner Company Inc. ( Account Number : XXXX ). The debt, as reported, raises significant concerns regarding its validity and accuracy. In accordance with 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of the alleged debt. 

Specifically, I am requesting the following information : Verification of the Debt : A detailed breakdown of the amount of the debt, including all fees, interest, and charges assessed. 

A signed contract or purchase agreement with the original creditor, XXXX, explicitly confirming my liability for the debt. 

Creditor Information : The name and contact information of the creditor to whom the debt is owed. 

Documentation confirming whether the debt has been transferred or sold. 

Validation of Reporting : Copies of any documents or records used to verify the debts legitimacy. 

Documentation showing that I provided explicit permission to Caine & Weiner Company Inc. to report this account on my credit reports. 

Original Creditor Details : documentation providing details on if the debt has been transferred or sold, provide the name and address of the original creditor. 

Proof of Legal Authorization : Evidence demonstrating compliance with all FDCPA and FCRA requirements for reporting a collection account. 

According to the FDCPA, Caine & Weiner Company Inc. must provide the requested documentation within 30 days of receiving this letter. If validation can not be provided within this timeframe, I demand that this account be deleted from my credit reports with XXXX, XXXX, and XXXX immediately. Reporting unverifiable information is a direct violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 15 U.S. Code 1692e ( 8 ), which prohibit the reporting of false or misleading information. 

Additionally, I request that all collection activities, including phone calls, letters, or other forms of communication, cease immediately until this validation is completed. Continuing to collect on or report an unverified debt is a direct violation of the FDCPA and subjects your company to potential legal action. 

Failure to comply with this request will result in formal complaints being filed with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies. Furthermore, I will consider pursuing legal remedies to protect my rights and ensure full compliance with federal laws. 

Enclosed, please find screenshots of my XXXX and XXXX credit reports showing this accounts reporting details. I trust you will treat this matter with the urgency and seriousness it warrants and expect full resolution within the statutory timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing as a victim of identity theft, which I believe is related to the Equifax data breach. I am requesting that all accounts that were fraudulently opened or used under my name and personal information be blocked and permanently deleted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
All my Robinhood accounts have been restricted. With them saying there been unusual activity on my account. They called me 3 days later gave them a live selfie a picture of my id and all other documents needed. And have not heard back from them. All my money is frozen. I have kids I have a house I have bills and noting is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, it reflects two late payments on an account for which I made all payments on time.XXXX ACCOUNT NUMBER STARTING WITH XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information with complete accuracy. This account has always been in good standing, with no late payments. I have attached a copy of my credit report highlighting the inaccuracies for your reference. 

I am requesting that you investigate this matter and provide verifiable proof of the late payments reported. If this information can not be verified, I kindly demand that the late payment records be corrected to reflect on-time payments immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and update me on the status of your investigation.

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 2025-01-12 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: MI

Complaint narrative:
am submitting a formal complaint against XXXX XXXX for inaccurate credit reporting and failure to provide required documentation related to my closed credit card account. 

XXXX XXXX closed my account and charged off the debt, but they have incorrectly reported 15 separate charge-offs for this single account. This repeated and inaccurate reporting is misleading and unfair, as there should be only one charge-off reflected in my credit report. The erroneous entries have caused undue harm to my credit score and overall financial standing. 

In addition, I have repeatedly requested a 1099-C form, which is required when a debt is charged off and written off. Despite my efforts, XXXX XXXX has not provided this form, further complicating my ability to address this matter properly. 

This inaccurate reporting and failure to provide necessary documentation is a clear violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request that CFPB investigate this issue and take action to : Ensure XXXX XXXX corrects the inaccurate reporting by reducing the entries to only one charge-off. 
Compel XXXX XXXX to provide the 1099-C form for the charged-off debt. 
I have attached all relevant documents, including proof of my communications with XXXX XXXX. 

Thank you for your assistance in resolving this matter. I look forward to your prompt attention to this issue.

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