vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXXXXXX XXXX # XXXXXXXXXXXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$680.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXXX XX/XX/XXXX -- {$3600.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$8800.00} TU UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax PFS XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion

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 2025-02-26 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXXXXXX XXXX # XXXXXXXXXXXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$680.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXXX XX/XX/XXXX -- {$3600.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$8800.00} TU UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax PFS XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion

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 2025-02-26 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 HAVE BEEN AFFECTED BY THE XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/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 2025-02-26 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: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
I have 10 unauthorized hard inquires on my XXXX credit report, these inquires are fraudulent and do not belong on my report. 

Prestige finXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
This information is not only erroneous but is negatively impacting my credit score, which is unjustified. I am requesting that this matter be investigated thoroughly and corrected as soon as possible. Please provide me with a formal acknowledgment of this dispute and confirm that the necessary corrections have been made.

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 2025-02-26 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 XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: OK

Complaint narrative:
I am writing to file a formal complaint against Experian Information Solutions , Inc. regarding the inaccurate reporting of a hard credit inquiry on my credit report. Despite multiple attempts to resolve this issue directly with Experian, the erroneous information remains uncorrected, adversely affecting my creditworthiness. 

On XX/XX/XXXX, I discovered a hard credit inquiry listed on my Experian credit report that I did not authorize. This unauthorized inquiry has negatively impacted my credit score. 

I contacted Experian on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, Experian failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 HAVE BEEN AFFECTED BY THE XXXX 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 - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/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 2025-02-26 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:
Please Delete immediately where is the fair resolution 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
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I just saw a biking latter about an indigo credit card with my name on it. I HAVE NEVER OWNED A INDIGO CREDIT CARD NOR EVER APPLIED FOR ONE .. they are closed right now so Im going to call them in the morning. Reading online there has been multiple cases of this happening with this very same company. I found this website from the comments and to report this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-02-26 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: CL Holdings LLC
State: TX

Complaint narrative:
Reached out to this company numerous times in regard to this account being reported on my credit report. They did not provide debt validation and I have a recording with the representative giving a false address in which I never lived this is clearly a identity theft situation in which I have provided my identity theft report along with proof of my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 obligations under the fair credit report 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 disrupted items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am formally disputing inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns about Experians compliance with these legal obligations. The CFPB has alleged that Experian engaged in inadequate investigations, violating consumer protection laws by failing to conduct proper reinvestigations as required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these legal requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : [ List each disputed account or item, including account numbers if available. ] 2. Provide all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any inaccurate, incomplete, or unverifiable information as required by law.

Enclosed, please find copies of my identification and supporting documents to facilitate your investigation. Given the CFPBs recent findings, I expect Experian to handle this dispute with the utmost seriousness and in full compliance with FCRA requirements.

Please respond to this dispute in writing within the legally required timeframe. Should Experian fail to fulfill its obligations, I am prepared to escalate this matter to the appropriate regulatory authorities and consider further legal action if necessary. 
Sincerely, 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 2025-02-26 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: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TN

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am formally disputing inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns about Experians compliance with these legal obligations. The CFPB has alleged that Experian engaged in inadequate investigations, violating consumer protection laws by failing to conduct proper reinvestigations as required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these legal requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : [ List each disputed account or item, including account numbers if available. ] 2. Provide all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any inaccurate, incomplete, or unverifiable information as required by law.

Enclosed, please find copies of my identification and supporting documents to facilitate your investigation. Given the CFPBs recent findings, I expect Experian to handle this dispute with the utmost seriousness and in full compliance with FCRA requirements.

Please respond to this dispute in writing within the legally required timeframe. Should Experian fail to fulfill its obligations, I am prepared to escalate this matter to the appropriate regulatory authorities and consider further legal action if necessary. 
Sincerely, 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 2025-02-26 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: VA

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection from XXXX XXXX on XX/XX/XXXX, under the account number XXXX for {$3800.00} and a credit card opened at XXXXXXXX XXXX on XX/XX/XXXX, under the account number XXXX an installment loan at XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation