vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company 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 2024-12-31 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:
Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ).

The inquiries in question are as follows : 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached Documents Required I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory 4-day period. 



Thank you for your attention to this urgent matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I do not recognize this credit inquiry I have asked for them to be removed, the bureaus did not do as asked, I am requesting it to be removed as it is inaccurate and 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My information was involved in a data breach which exposed very vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the fair credit reporting act based on federal law 15 usc 1681 my information is inaccurate and can not be verified. Also under the FCRA law my information was also exposed in a data breach, so Id like to make an FTC report I have numerous times reached out to all XXXX  credit bureaus trying to get my inaccurate invalidated exposed information removed from my credit reports I have information about credit cards credit reports and personal information. Consumer reports Debt collections personal loan XXXX  Loans, vehicle loans and leases and information about checking accounts. All of which I request to be removed promptly. The agencies have not worked with me and getting any of this resolved.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to the fair credit reporting act based on federal law 15 usc 1681 my information is inaccurate and can not be verified. Also under the FCRA law my information was also exposed in a data breach, so Id like to make an FTC report I have numerous times reached out to all XXXX  credit bureaus trying to get my inaccurate invalidated exposed information removed from my credit reports I have information about credit cards credit reports and personal information. Consumer reports Debt collections personal loan XXXX  Loans, vehicle loans and leases and information about checking accounts. All of which I request to be removed promptly. The agencies have not worked with me and getting any of this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
According to the fair credit reporting act based on federal law 15 usc 1681 my information is inaccurate and can not be verified. Also under the FCRA law my information was also exposed in a data breach, so Id like to make an FTC report I have numerous times reached out to all XXXX  credit bureaus trying to get my inaccurate invalidated exposed information removed from my credit reports I have information about credit cards credit reports and personal information. Consumer reports Debt collections personal loan XXXX  Loans, vehicle loans and leases and information about checking accounts. All of which I request to be removed promptly. The agencies have not worked with me and getting any of this resolved.

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 2024-12-31 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
You, Experian, and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's 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 2024-12-31 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: SC

Complaint narrative:
My persosn information is a part of a data breach and the companies listed need to be blocked and deleted immediatley. 
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 non-monetary relief
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, its by law to report accurate and correct 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 2024-12-31 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 am filing this complaint because TransUnion and XXXX have failed to remove a fraudulent XXXXXXXX XXXX XXXX  and unauthorized charges from my XXXX XXXX  XXXX ( and closed the account citing my violation of their terms ) accounts from my credit report despite multiple requests and proper documentation. I have provided both credit bureaus XXXX, and XXXX XXXX  XXXX with : Multiple written disputes on XX/XX/year> and again on XX/XX/year> for XXXX ( they still did not comply ). 
Multiple disputes on XX/XX/year> and again on XX/XX/year> for XXXX XXXX  XXXX ( they still did not comply ). 
Copies of the FTC Identity Theft Report. 
Proof of identity verification. 

The fraudulent account still appears on my credit report, negatively affecting my credit score. Both agencies have failed to comply with the FCRA 's investigation requirements, and XXXX has not resolved the issue despite being informed of the fraud. I request the CFPB 's assistance in removing this account from my credit report immediately, as well as the XXXX XXXX  XXXX. XXXX has already complied with and removed both of them from my credit report, but Transunion and XXXX are failing to comply with the FCRA requirements with my report of identity theft. They also violated Section 605B of the FCRA by reinserting XXXX on the credit report AFTER the time requirement of four ( 4 ) business days. Under Section 605B of the FCRA, you are required to block the reporting of information resulting from identity theft within four business days of receiving the following : A copy of an identity theft report, such as an FTC Identity Theft Report ; Proper identification of the consumer ; and Identification of the fraudulent accounts to be blocked. 

I submitted all required documentation, including my FTC Identity Theft Report ( Report Number : XXXX ), proper identification, and a detailed list of the fraudulent accounts, which includes the XXXX  XXXX account. Despite their receipt of this information, the account remains on my credit file. 

Please refer to the attached documentation for detailed evidence of my correspondence and the unresolved nature of 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 non-monetary relief
Consumer complaint received 2024-12-31 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NH

Complaint narrative:
RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation. 

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided. 
2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response. 
3. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision. 

My Demands : 1. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted. 
The specific documentation you relied upon to verify these accounts. 
The name, address, and contact information of the data furnisher ( s ) for each account. 
2. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ). 

This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants. 

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NH

Complaint narrative:
RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation. 

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided. 
2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response.

3. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision. 

My Demands : 1. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted. 
The specific documentation you relied upon to verify these accounts. 
The name, address, and contact information of the data furnisher ( s ) for each account.

2. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ).

This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants. 

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.

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 2024-12-31 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: GA

Complaint narrative:
Experian - I requested for my information to be corrected and my information was not corrected and they added a new incorrect address to my account. 

XXXX - I requested for my information to be corrected but my information was not corrected and they did not remove the address.

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 2024-12-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company 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