vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
These mistakes are dragging down my score, holding me back from opportunities, and causing unnecessary stress. Its exhausting to feel like my future is being limited by something so avoidable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Dear LVNV Funding, I am writing in response to your verification of a debt associated with the last six digits of my Social Security number ( XXXX ). After reviewing the provided information, I do not recognize this debt, nor have I signed any agreement with your company regarding this obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request that you provide the following documentation to validate this debt : 1. A copy of the original signed agreement or contract proving my obligation to this debt.

2. A complete payment and account history from the original creditor, including all statements and charges.

3. Proof of your legal right to collect If this debt was purchased or assigned, I request a chain of title, including all transfer and sale agreements, showing how and when you acquired the debt.

4. Verification of the amount owed, including a detailed breakdown of the original balance, any interest, fees, or other charges.

If you are unable to provide sufficient proof, I request that you immediately cease all collection efforts and remove any reporting of this debt from my credit profile. Failure to validate the debt within the required timeframe will be considered confirmation that this debt is invalid.

Please respond to this request in writing within 30 days of receiving this letter. I expect compliance in accordance with federal and state consumer protection laws.

This letter serves as formal notice that I dispute this debt in its entirety. I also request that all further communication be conducted in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of 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 2025-02-06 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of 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 non-monetary relief
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I AM FILING A COMPLAINT AGAINST EXPERIAN FAILING TO PROPERLY INVESTIGATE MY DISPUTES REGARDING INACCURACIES IN MY CREDIT REPORT. DESPITE THE SUBMISSIONS, EXPERIAN CONSISTENTLY RESPONDS WITHIN 24HOURS STATING THE ACCOUNT IS ACCURATE, WITHOUT PROVIDING ANY EVIDENCE OF A THOROUGH INVESTIGATION. THIS VIOLATES THE FAIR CREDIT REPORTING ACT U.S.C. 1681 WHICH MANDATES A REASONABLE INVESTIGATION OF DISPUTES. FURTHERMORE, EXPERIAN 'S ACTIONS MAY ALSO CONTRAVENE THE CONSUMER PROTECTION ACT ( CFPA ), 12 U.S.C. 5536 ( 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 EXPERIAN COMPLIES WITH THE FEDERAL LAW AND PROVIDES CONSUMERS WITH THE NECESSARY PROOF OF INVESTIGATION. 
THESE ARE THE REPORTED ACCOUNTS THAT'S INACCUARATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
This account was charged off on the following date : XX/XX/year> Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly after I asked you to do so XXXX. Your neglect has violated my rights. I am demanding a deletion of the following accounts : ( Account Name : XXXX XXXX XXXX ) ( Account Number : 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple inquiries tied to your company on my credit report that I did not approve. These are lowering my score and making financial decisions unnecessarily difficult for 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 2025-02-06 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-02-06 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: PA

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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 2025-02-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Acct # XXXX Amount : {$5400.00} This company has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-06 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: TX

Complaint narrative:
Subject : Formal Complaint Demand for Immediate Correction of Inaccurate Late Payments Violation of 15 U.S.C. 1666b Dear Consumer Financial Protection Bureau, I am formally submitting a complaint regarding an inaccurate report on my credit history by Transunion. Upon reviewing my credit report, I discovered my XXXX XXXX XXXX XXXX Acct # XXXX has been inaccurately reported with the following two late payments XX/XX/XXXX and XX/XX/XXXX, that were, in fact, paid on time. 
Pursuant to 15 U.S.C. 1666b, consumer reporting agencies are required to ensure that all reported information is complete and accurate. The continued reporting of these false late payments is a direct violation of federal law and constitutes negligent misrepresentation of my credit history. 
This account has never been late, and I demand that an immediate investigation be conducted to rectify this error. The credit bureau must update the payment history to reflect the correct on-time status. I have attached a copy of my credit report with the relevant dates highlighted for reference. 
Failure to take immediate corrective action may result in further legal action. I am requesting that the CFPB intervene in this matter to ensure compliance with federal law and that the credit bureau in question promptly corrects this issue. Please provide a written update once the investigation is completed and the inaccurate information is removed. 
Thank you for your prompt attention to this serious matter. 

Enclosures : Credit report with relevant dates highlighted

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 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I was scammed by a company into some services that were never fulfilled. After attempting to contact the company with no success, I opened a dispute with Affirm providing online reviews and information showing the company participates in deceptive practices. I opened this dispute at first citing unsatisfactory product. I provided evidence that the company admitted the product was unsatisfactory. I received a resolution against me and asked for an explanation since I did not receive my full products and what little I had received was unusable. I was told the dispute was closed. I asked for it to be reviewed and reopened since more evidence had come to light in the meantime. I was told there was no way to reopen. The case. In short, I did not receive a product I purchased from a scam group. The dispute process was not thorough enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Through the course of the last several years, I have made multiple requests not to have marketing materials send to my physical address. This has included refusing marketing mail pieces, opt-out of privacy notices, and requests send via online banking secure medium. Despite these efforts I continue to receive marketing related mail from this 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 2025-02-06 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX XXXX XXXX XXXXXXXX Late Payments XXXX XXXX XXXX XXXXXXXX {$47000.00} XXXX XXXX XXXX XXXX {$32000.00} XXXXXXXX XXXX XXXXXXXX {$11000.00} XXXXXXXX XXXX XXXXXXXX {$9700.00} XXXX XXXXXXXX XXXX XXXX {$630.00} XXXX XXXXXXXX XXXX XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$5600.00} 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If Experian fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-06 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX. 
Equifax Information Services LLC XXXX XXXX XXXX, XXXX, GA XXXX. 
TransUnion Consumer Solutions XXXX XXXX  XXXX, XXXX, PA XXXX. 

Subject : Disputed items in credit report Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX These Hard inquiries don't belong to me, hasnt being Authorized by me and has to be removed. 

Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX. 
Equifax Information Services LLC XXXX XXXX XXXX, XXXX, GA XXXX. 
TransUnion Consumer Solutions XXXX XXXX  XXXX, XXXX, PA XXXX. 

Subject : Disputed items in credit report Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX These Hard inquiries don't belong to me, hasnt being Authorized by me and has to be removed. 

Thank you for your time. 

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 non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I want reported accounts to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief