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: Experian Information Solutions Inc.
State: UT

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 2025-03-07 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: SC

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 l 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 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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: CA

Complaint narrative:
I have requested 2 previous times for the Method Of Verification and this is my 3rd and final attempt before seeking legal remedy afforded to me under the consumer laws.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the credit reporting act these creditors have violated my rights these code stands for me having privacy, also stating a consumer reporting agency can not furnish an account with out my written instructions. Also a creditor may not treat a payment on a credit card under an open consumer and credit plan as late for any purpose. Im disputing the XXXX of my profile Payments 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( Billing Error Resolution ) Delete Collections 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) Delete medical bills 15 U.S. Code 1692g 15 U.S. Code 1681b ( a ) ( 2 ) Delete Charge Off 15 U.S. Code 1635 15 U.S. Code 1692g Delete Car Repos 15 U.S. Code 1681b ( a ) ( 2 ) Delete EvictionsXXXX 15 U.S. Code 1637 ( 2 ) 9A ) 15 U.S. Code 1681 15 U.S. Code 1681s-2 ( ar 15 U.S. Code 1681e ( b ; Delete Child Support 15 U.S. Code 1681b 15 U.S. Code 1681s-1

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the credit reporting act these creditors have violated my rights these code stands for me having privacy, also stating a consumer reporting agency can not furnish an account with out my written instructions. Also a creditor may not treat a payment on a credit card under an open consumer and credit plan as late for any purpose. Im disputing the XXXX of my profile Payments 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( Billing Error Resolution ) Delete Collections 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) Delete medical bills 15 U.S. Code 1692g 15 U.S. Code 1681b ( a ) ( 2 ) Delete Charge Off 15 U.S. Code 1635 15 U.S. Code 1692g Delete Car Repos 15 U.S. Code 1681b ( a ) ( 2 ) Delete EvictionsXXXX 15 U.S. Code 1637 ( 2 ) 9A ) 15 U.S. Code 1681 15 U.S. Code 1681s-2 ( ar 15 U.S. Code 1681e ( b ; Delete Child Support 15 U.S. Code 1681b 15 U.S. Code 1681s-1

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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> @ XXXX ET I received {$1600.00} from a friend on the XXXX  platform. Shortly after receiving the funds, I attempted to " Instant Transfer '' the funds to my linked debit card which failed with no details as to why. I contacted XXXX customer service via a chat option and was connected to " XXXX  '' who ( after a lengthy discussion ) advised me that there was no way to explain why the funds weren't being transferred and suggested that I try the " Standard Transfer '' which takes up to 3 business days. I advised XXXX  that this was not an option as I am due to fly to The XXXX XXXX on XX/XX/year> and I need the funds to check-in to my accommodations which is why I used XXXX in the first place. I asked XXXX if i was able to send the funds to someone else to withdraw and she advised that I could. After ending the chat, I attempted to transfer the funds to my wife 's XXXX which failed and to my PayPal account which also failed. After logging out of the XXXX app to charge my phone, I attempted to login to XXXX on my computer and received an error message saying " Something went wrong. Try again later or contact customer support. '' I now am unable to move MY MONEY and I can't even login.

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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

XXXX XXXXXXXX -The company sent statements to an outdated address. They failed to update their records, resulting in errors. They have acknowledged these mistakes and indicated they would correct the inaccuracies. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: GA

Complaint narrative:
No Signature

, No Proof : Under the FCRA, credit bureaus are required to ensure the accuracy of the information they report. If you dispute an account and the creditor or data furnisher can not provide proper documentation ( such as a signed agreement proving the account is yours ), the credit bureau must delete or correct the information. You can cite 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the removal of unverifiable information. Stalling Tactics : The FCRA also requires credit bureaus to complete their investigation of disputes within 30 days ( or 45 days if additional information is provided ). If they fail to meet this timeline, they are in violation of 15 U.S.C. 1681i ( a ) ( 1 ). You can highlight this if you believe the bureau is stalling.

Debt Sold to Third Parties : The FDCPA prohibits unethical practices by debt collectors, including attempting to collect debts without proper validation. If a debt has been sold, the new collector must provide proof that they have the legal right to collect it. You can reference 15 U.S.C. 1692g ( b ), which requires debt collectors to validate debts upon request.

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: Experian Information Solutions Inc.
State: TX

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 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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX attempted to collect a debt of {$4700.00} that I believe is incorrect. I have not received adequate information verification for this debt despite my requests. Please investigate and rectify this matter.

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: MN

Complaint narrative:
Equifax has engaged in fraudulent credit reporting, obstruction of justice, racketeering ( RICO violations ), and financial misconduct, severely impacting my financial standing. Despite multiple disputes, Equifax has failed to correct inaccuracies, re-aged debts unlawfully, and manipulated credit data to misrepresent my financial history, all while engaging in insider trading and market manipulation. 

On XX/XX/XXXX, Equifax XXXX XXXX XXXX and other executives sold over {$5.00} XXXX in company stock, coinciding with the filing of an arbitration case that exposed systematic consumer fraud and financial misrepresentation. This suggests insider trading and an attempt to profit before regulatory action could expose their wrongdoing. This pattern of fraudulent behavior is a violation of the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1962, as it constitutes a coordinated financial crime scheme benefiting Equifax executives while harming consumers.

Equifax has : Re-aged debts beyond the legal limit to keep negative items active.

Failed to investigate disputes properly, violating the Fair Credit Reporting Act ( FCRA ).

Obstructed justice by modifying consumer credit reports after disputes/arbitration were filed.

Colluded with other credit bureaus and debt collectors to manipulate credit scores and lending data.

Engaged in securities fraud by misleading investors while executives profited from stock sales.

Operated as a criminal enterprise under RICO by using deceptive business practices to systematically defraud consumers and investors.

As a result, I have suffered financial harm, emotional distress, and damage to my creditworthiness, including : Denied mortgage and loan opportunities.

Increased interest rates due to fraudulent reporting.

Restricted access to dispute my credit file.

Long-term damage to my financial future caused by Equifaxs willful misconduct.

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 — Account information incorrect
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
AFFIRM has improperly charged me late fees and also reported late payments on my consumer report, despite all my payments being made on time, in the correct amounts, and by their due dates. My account with AFFIRM has never had a late payment. This is clearly a billing mistake, indicating a possible scheme to charge extra fees. This action is disappointing and has seriously impacted my reputation, character, way of life, and family. I urgently request the removal of the incorrect late payment records.

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: TX

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 consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately, notified consumers of dispute outcomes. These failures aligned 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 men that is viewed accounts, as experience in action, 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