vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 2025-01-31 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Accounts listed in my credit report are not true and accurate with erros and are also not reportable according to statute. 
I have repeatedly Disputed XXXX, XXXX, XXXX, and XXXX seperate instances via certified mail, XXXX instqnces Via Telephone and, XXXX Via Online dispute, the agency to Verify and if not able to verify, or show the proper method of verification to delete however they are not complying, responding to notices or correcting. 
This is causing major hardship and the inability to appropriatly take care of my family! 

Account/Order/Tracking number : XXXX Experian : XXXX  XXXX  XXXX- # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX TransUnion XXXX XXXX  XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Agency, TransUnion XXXX Equifax XXXX Experian, XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  Hide Details XX/XX/XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banking Creditor information XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Banking Creditor information XXXX XXXX  XX/XX/XXXX XXXX  XXXX  Creditor information XXXX  XXXX XX/XX/XXXX XXXX XXXX Creditor information XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXXXXXXXXXXXXXX 

Creditor information XXXX  XXXX  XXXXXXXXXXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX/XXXX XXXX  And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banking

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 2025-01-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX : {$860.00}. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX : {$860.00}. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX & XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-31 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: AR

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus Experian, Equifax, and TransUnion due to their continued refusal to remove fraudulent accounts and inaccurate information from my credit report. Despite multiple attempts to resolve the issue and providing all necessary documentation, my disputes have been repeatedly denied, and my credit file remains damaged. 

Here are the details of my complaint : Fraudulent Accounts : I have taken all necessary steps to dispute fraudulent accounts that do not belong to me, including filing disputes with the credit bureaus and submitting supporting documents. However, these fraudulent accounts remain on my credit report despite my efforts. Each of the credit bureaus has failed to adequately investigate my dispute, and the information continues to negatively impact my credit. 

Inaccurate Addresses : Experian has also refused to delete inaccurate addresses from my credit report. I have provided all the necessary documentation to support the removal of these incorrect addresses, yet the bureau has ignored my evidence and continues to leave the incorrect information on my report. This lack of investigation is further damaging my credit. 

Failure to Conduct Accurate Investigations : The investigations conducted by all three credit bureaus have been inadequate and inaccurate. They have failed to properly verify the fraudulent accounts and addresses, which has led to a false representation of my credit history. As a result, my credit file has been negatively impacted. 

I am requesting that all fraudulent accounts and inaccurate addresses be removed from my credit report within XXXX  days of receiving this complaint. The credit bureaus have had ample time to resolve this issue, and their continued refusal to do so is unacceptable. 

I have attached all relevant documentation, including copies of dispute forms, supporting documents, and correspondence with the credit bureaus. 

I appreciate your attention to this matter and would like a resolution as soon as possible. Please let me know if further information is required.

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 2025-01-31 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: AR

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus Experian, Equifax, and TransUnion due to their continued refusal to remove fraudulent accounts and inaccurate information from my credit report. Despite multiple attempts to resolve the issue and providing all necessary documentation, my disputes have been repeatedly denied, and my credit file remains damaged. 

Here are the details of my complaint : Fraudulent Accounts : I have taken all necessary steps to dispute fraudulent accounts that do not belong to me, including filing disputes with the credit bureaus and submitting supporting documents. However, these fraudulent accounts remain on my credit report despite my efforts. Each of the credit bureaus has failed to adequately investigate my dispute, and the information continues to negatively impact my credit. 

Inaccurate Addresses : Experian has also refused to delete inaccurate addresses from my credit report. I have provided all the necessary documentation to support the removal of these incorrect addresses, yet the bureau has ignored my evidence and continues to leave the incorrect information on my report. This lack of investigation is further damaging my credit. 

Failure to Conduct Accurate Investigations : The investigations conducted by all three credit bureaus have been inadequate and inaccurate. They have failed to properly verify the fraudulent accounts and addresses, which has led to a false representation of my credit history. As a result, my credit file has been negatively impacted. 

I am requesting that all fraudulent accounts and inaccurate addresses be removed from my credit report within XXXX  days of receiving this complaint. The credit bureaus have had ample time to resolve this issue, and their continued refusal to do so is unacceptable. 

I have attached all relevant documentation, including copies of dispute forms, supporting documents, and correspondence with the credit bureaus. 

I appreciate your attention to this matter and would like a resolution as soon as possible. Please let me know if further information is required.

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 2025-01-31 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: RI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting of my auto loan account # XXXX on my credit report. My vehicle was repossessed and subsequently sold at auction, yet your company continues to report the full balance of the loan instead of the correct deficiency balance, if any. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information furnished to the credit reporting agencies be complete and accurate.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of credit information is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is submitted, you are required to investigate and correct any inaccuracies in a timely manner. Since the vehicle was sold at auction, the full original balance should no longer be reported, and I demand immediate correction of this error.

To support my dispute, I have enclosed the following : A copy of my credit report showing the inaccurate balance Any relevant repossession or auction sale documentation ( if available ) I request that you investigate this matter and update my credit report to accurately reflect the actual deficiency balance, if any. If I do not receive confirmation of this correction within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of the FCRA. 

Please provide me with written confirmation of the updated and corrected balance as soon as possible. I can be reached at [ Your Phone Number ] or [ Your Email Address ] if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, original notice of debt owed was sent to me by the company, Radius Global Solutions LLC, claiming they were pursuing collecting debt on an account original owed to XXXX XXXXXXXX XXXX 

I sent a request on XX/XX/XXXX for validation of the debt owed to Radius Global Solutions LLC. I made clear it was not a refusal to pay, but a request for validation that I owe the debt TO RADIUS GLOBAL SOLUTIONS, LLC. 

I received a record of application from XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. 

I did not/have not received validation that the debt is owed to Radius Global Solutions LLC and have now received communication from XXXX XXXX Bank after being told they no longer hold my account. 

This is dishonest and, most likely, purposefully confusing to consumers trying to reconcile their debts in good faith. 

I can not and will not pay on a debt that is not proven to be owed by a company claiming it is theirs.

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 2025-01-31 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: NV

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 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 2025-01-31 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: NV

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 non-monetary relief
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Lawsuit Against Experian for Removal of Inaccurate Negative Items from Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a lawsuit against Experian for their failure to remove inaccurate and unauthorized negative items from my credit report. Despite my previous disputes and requests for correction, Experian has continued to report erroneous information that has significantly impacted my credit standing.

The following are the key issues regarding my credit report : 1. **Inaccurate Negative Items : ** There are items on my credit report that are not accurate and do not belong to me.

2. **Unauthorized Inquiries and Debt Sold Without Consent : ** There are inquiries and debts on my credit report that have been sold to third-party agencies without my knowledge or consent, and I have never signed any agreement authorizing such transfers.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in consumer reports and to conduct a reasonable investigation when a dispute is filed. Experian has failed in their legal obligations by : - Continuing to report inaccurate and outdated information despite my disputes.

- Failing to verify and validate the legitimacy of the debts and inquiries appearing on my credit report.

- Negligently allowing third-party entities to report debts under my name without my authorization.

Due to Experians failure to comply with federal laws and its negligence in handling my disputes, I am seeking the immediate removal of all inaccurate and unauthorized items from my credit report. Additionally, I am requesting statutory damages for their violations under the FCRA, as well as any legal fees associated with this case.

I request the CFPB to intervene in this matter and hold Experian accountable for its non-compliance with federal regulations. Please advise on the next steps I should take to move forward with this case. 

Thank you for your time and assistance. I look forward to your prompt response. 

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 explanation