vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
Complaint Title : Experians Ongoing FCRA Violations : Inaccurate Reporting, Sham Investigations, and Failure to Correct Disputed Information Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date : XX/XX/year> Company Information : Company Name : Experian Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Details of the Complaint : I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite submitting numerous disputes, Experian continues to report inaccurate, unverifiable, and outdated information on my credit report. Additionally, XXXX dispute process appears to be a sham investigation, mirroring the issues highlighted in the CFPBs current lawsuit against the company. 

XXXX XXXX : XXXX. Inaccurate Personal Information : Experian refuses to remove outdated and incorrect names, addresses, and phone numbers despite proper documentation. 

XXXX. XXXX Accounts : Experian continues reporting accounts without providing proper verification. I requested validation details, including : Proof of ownership Chain of title Forward flow agreements 1099-C forms ( if applicable ) SEC filings to confirm non-securitization of debts Original signed contracts ( wet signatures ) Date of first delinquency and proof of license to collect in the State of Illinois XXXX XXXX Public Record Reporting Errors : Experian continues to report bankruptcy records obtained from third-party vendors like XXXX, XXXX my evidence that PACER and the courts do NOT furnish data directly to credit bureaus. XXXX and XXXX removed these records, but Experian refuses to do the same without valid justification. 

XXXX. Failure to XXXX Reasonable Investigations : Experian failed to conduct manual reviews of disputed items as required by the FCRA. 
They provided vague, generic responses stating the information was verified as accurate without explaining how the information was verified. 

XXXX. Violations of XXXX Rights : XXXX actions violate : 15 U.S.C. 1681i ( FCRA ) Failure to conduct reasonable investigations.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

FDCPA Violations Failure to validate debts where applicable. 

Certification : I certify that the information provided is true and accurate to the best of my knowledge. 

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 2025-02-01 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: Early Warning Services, LLC
State: PA

Complaint narrative:
NAME : XXXX XXXX XXXX ID : XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX ID TYPE : DRIVER 'S LICENSE ID NUMBER : XXXX EARLY WARNING SERVICES , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX XXXX I AM WRITING TO REQUEST AN INVESTIGATION OF THE FOLLOWING INFORMATION THAT APPEARS ON MY EARLY WARNING SYSTEMS CONSUMER REPORT. I HAVE NEVER OPENED OR USED THE FOLLOWING ACCOUNT NUMBERS : BANK : XXXX XXXX CHECKING ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX BANK ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX BANK ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX I DONT RECOGNIZE THE FOLLOWING ACCOUNTS IN QUESTION. XXXX A VICTIM OF IDENTITY THEFT AND I DONT RECOGNIZE THESE ACCOUNTS ON MY REPORT. IM REQUESTING THE FOLLOWING INFORMATION BE DELETED FROM MY EARLY WARNING CONSUMER REPORT IMMEDIATELY! IVE ATTACHED A COPY OF THE REPORT TO THIS REQUEST. 

THANK YOU FOR YOUR ASSISTANCE. 
SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Account number : XXXX Names : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) Good leap engages in dishonest business practices. 
Good leap is charging illegal and deceptive fees to me. 
I was forced/coerced into signing an agreement that I did not read The solar panel isn't generating any solar energy and instead my electric bill went up significantly I explained to goodlesp that the sales terms were confusing and not clear to me. 
The salesman didn't explain anything about this solar panel and its installation process ; everything was on a premise of lies. The salesman then took out an XXXX that had the contracts for the system. No hard copy was shown to us, I had no opportunity to review the contracts or control the XXXX. The salesman skipped around to the various places that we were directed to sign. He signed one-half of myself and my husband without our proper reviews. 

On several occasions I have asked them to come remove the panels as it is not serving a purpose instead I am paying high monthly payments. 

Good leap even place a lien on my property and I am a new/first time home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IL

Complaint narrative:
As of XXXX XXXX, a collection account under the name of Helvey and Associates was reported in my credit file for the amount of {$840.00}. I was informed about this by XXXX XXXX. I would like to clarify that I have no knowledge of this account, did not authorize its creation, and have never had a gas bill in my name. I believe this situation constitutes identity theft, and I kindly request that this account be removed from my record. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: WA

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 2025-02-01 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: IL

Complaint narrative:
ive sent a letter via mail asking experian to remove all old addresses i have been doing this since XX/XX/year> this issue is still going on they have failed to delete inaccurate 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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I asked that a charge be corrected because I didnt ok it. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Request for Immediate Deletion of Debt and Investigation Identity Theft Dear CFPB Representative, I am writing to formally dispute a debt reported under my name and to request your assistance in resolving this matter. Despite my efforts to address this directly with the debt collection agency and related parties, the issue remains unresolved, causing ongoing harm to my credit and financial standing. Previously, I contacted the debt collection agency to request the following information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) : Validation and documentation of the debt. Name and address of the original creditor. Details about the debt, including the amount owed, the date of the last payment, and whether the debt is beyond the statute of limitations. Verification of the debt via original contracts or supporting documentation. Confirmation that the agency is licensed to collect debts in my state. To date, I have not received any of the requested documentation, which constitutes a violation of 15 U.S.C. 1692g ( Verification of Debts ). This failure to provide the required information demonstrates a disregard for federal compliance and raises serious concerns about the validity of the debt. The debt in question involves XXXX XXXX XXXX attempting to collect on a cable account associated with XXXX XXXX XXXX XXXX XXXX XXXX ' collection agency ). This debt is directly tied to a fraudulent residence at XXXXXXXX XXXX XXXX, which was obtained through identity theft. I have already informed XXXX XXXX XXXX that this debt is the result of identity theft. While they acknowledged this and subsequently charged off the debt, they have reportedly recovered funds for the loss. Despite this, the debt has been repeatedly sold to other collection agencies, perpetuating a cycle of harassment. Important Legal Consideration : Under federal law, once a creditor charges off a debt and recoups funds ( through insurance claims, tax write-offs, or other financial recovery methods ), the creditor forfeits the right to collect on the debt. Any subsequent attempt to collect would violate the Federal Trade Commission ( FTC ) guidelines regarding " double recovery, '' which prohibit creditors from collecting on a debt they have already been compensated for. This practice could also violate state laws and the Fair Credit Reporting Act ( FCRA ). Additionally, as a victim of identity theft, I am entitled under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to have fraudulent accounts removed from my credit report upon providing a statement of dispute and supporting documentation. I have provided all required evidence to both XXXX XXXX XXXX and the debt collector, yet they have failed to address this issue adequately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MS

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NV

Complaint narrative:
I am filing this complaint against Kikoff for violations of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission Act ( FTC Act ) related to inaccurate and inconsistent credit reporting.

Kikoff is reporting conflicting information across the three major credit bureaus ( XXXX, XXXX, and XXXX ). For example, XXXX shows the account as open with a current balance, while XXXX reports it as closed with a XXXX balance. Experian displays no account related to Kikoff at all. Under FCRA Section 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate and consistent data. This inconsistency is a clear violation, as it misleads lenders and negatively impacts my creditworthiness. 

Despite multiple disputes through the credit bureaus and a formal XXXX complaint, Kikoff has failed to provide a satisfactory resolution. Their responses have been generic, avoiding the core issue of inconsistent reporting. They have also improperly shifted the burden of proof to me by requesting official credit reports, even though they have direct access to the same data through their reporting agreements with the credit bureaus. 

Furthermore, Kikoff 's failure to correct these discrepancies violates FCRA Section 1681i ( a ), which requires data furnishers to investigate disputes thoroughly and correct inaccurate information within 30 days. Their lack of action demonstrates non-compliance with federal regulations. 

I am requesting the CFPB to investigate Kikoff 's reporting practices and enforce corrective measures. Specifically, I request the deletion of the disputed tradeline from all credit bureaus due to their failure to provide accurate, consistent, and verifiable information in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0XXXX 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

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 2025-02-01 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but EQUIFAX has failed to fulfill this obligation. Over the course of my recent interactions with EQUIFAX, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : EQUIFAX has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold EQUIFAX accountable for any violations uncovered during the investigation. Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. Thank you for your attention to this issue. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in a several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report within 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent and further harm to my financial well-being.

Company response to consumer: Closed with explanation