vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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.
State: CA

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 2025-01-23 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: CA

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 2025-01-23 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:
Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a responsible reinvestigation of disputes information on my credit report, leaving incauurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes these failures aglin with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 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 2025-01-23 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I disputed with company and credit of no knowledge of account and no valid proof i owe them was not sent and i keep getting unwanted calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
This has been an on going thing, they couldnt provide method of verification also was deleted in XXXX of 2024 and not its still showing up falsifying info

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 2025-01-23 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: SC

Complaint narrative:
Ongoing Negligence by Credit Bureaus and Impact of Identity Theft I have been a victim of identity theft since 2018, and despite taking numerous actions over the years to address fraudulent accounts on my credit report, the XXXX XXXX  credit bureausXXXX, XXXX, and TransUnionhave failed to correct these errors. 

Actions Taken by Me : I have repeatedly disputed the fraudulent accounts with all three credit bureaus, providing supporting documentation each time. 
Despite my efforts, the credit bureaus have relied solely on their automated E-OSCAR system to process disputes, rather than conducting a proper human investigation as required by law. 
The results of these disputes have consistently come back as " verified, '' which is false and demonstrates their failure to perform a thorough investigation. 
Negligence by Credit Bureaus : The credit bureaus have not fulfilled their legal obligation to investigate disputes properly under the Fair Credit Reporting Act ( FCRA ). 
They have also sent my personal information overseas to countries like XXXX and the XXXX, which raises serious concerns about data security and contributes to the growing issue of identity theft. 
Data Breaches and Their Impact : In addition to being a victim of identity theft, I recently discovered that my personal information was impacted by a data breach at XXXX. 
Furthermore, XXXX XXXX leaked my data, compounding the damage caused by these breaches. 
Personal and Financial Impact : The negligence of the credit bureaus and the mishandling of my personal information have caused significant harm to my life, including : Severe financial burdens. 
Defamation of character. 
Inability to purchase a home for myself and my children, as I am a single father. 
Emotional distress and damage to my livelihood. 
Demands : I am demanding the immediate deletion of all fraudulent accounts from my credit report. Additionally, I believe I am entitled to compensation for the negligence and harm caused by the credit bureaus ' failure to act responsibly.

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 2025-01-23 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: SC

Complaint narrative:
Ongoing Negligence by Credit Bureaus and Impact of Identity Theft I have been a victim of identity theft since 2018, and despite taking numerous actions over the years to address fraudulent accounts on my credit report, the XXXX XXXX  credit bureausXXXX Equifax, and XXXXhave failed to correct these errors. 

Actions Taken by Me : I have repeatedly disputed the fraudulent accounts with all three credit bureaus, providing supporting documentation each time. 
Despite my efforts, the credit bureaus have relied solely on their automated E-OSCAR system to process disputes, rather than conducting a proper human investigation as required by law. 
The results of these disputes have consistently come back as " verified, '' which is false and demonstrates their failure to perform a thorough investigation. 
Negligence by Credit Bureaus : The credit bureaus have not fulfilled their legal obligation to investigate disputes properly under the Fair Credit Reporting Act ( FCRA ). 
They have also sent my personal information overseas to countries like XXXX and the XXXX, which raises serious concerns about data security and contributes to the growing issue of identity theft. 
Data Breaches and Their Impact : In addition to being a victim of identity theft, I recently discovered that my personal information was impacted by a data breach at Equifax. 
Furthermore, XXXX XXXX leaked my data, compounding the damage caused by these breaches. 
Personal and Financial Impact : The negligence of the credit bureaus and the mishandling of my personal information have caused significant harm to my life, including : Severe financial burdens. 
Defamation of character. 
Inability to purchase a home for myself and my children, as I am a single father. 
Emotional distress and damage to my livelihood. 
Demands : I am demanding the immediate deletion of all fraudulent accounts from my credit report. Additionally, I believe I am entitled to compensation for the negligence and harm caused by the credit bureaus ' failure to act responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: VA

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 explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I have unauthorized collections and inquiries on my credit report that I did not authorize under the fair credit reporting act FCRA which protects consumers by ensuring the accuracy and privacy of credit information. I have the right to dispute these in accuracies therefore, I am requesting that these unauthorized items be removed from my credit report to reflect my true financial standing, I will list them below. 
experian XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance of XXXX $ XX/XX/XXXX balance of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX $ XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  has the same inquires from XXXXXXXX XXXX for dates XX/XX/XXXX and XX/XX/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 explanation
Consumer complaint received 2025-01-23 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:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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 2025-01-23 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MA

Complaint narrative:
There is XXXX unauthorized inquiries on my report result of an identity theft that i submitted back in XX/XX/XXXX, wich i requested to be delete it from report. But never happened, i submitted a case on XXXX XXXX and also requested the creditors to close these XXXX accounts. They closed the accounts at my request but the inquiries still remain on my report. Also there is another inquiry from XXXX wich i dont recognize. My request is the inmediate removal of these inquiries from my report. Thank you for your understanding and action. 

XXXXXXXX XXXX  inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquiry XX/XX/XXXX XXXX XXXX inquiry 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 2025-01-23 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: AL

Complaint narrative:
The company keeps verifying information on my credit report without providing any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AL

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 2025-01-23 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: SC

Complaint narrative:
I hope this complaint finds you well. I'm demanding that EXPERIAN delete-da this alleged account immediately. I'm expressing that I have the capacity to overstand my federally protected rights. They have NOT provided me PROOF of ANY documentation of my red wet-ink signature, that proves this alleged account belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not accept these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! Also, please be aware that I'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.

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 2025-01-23 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: TX

Complaint narrative:
I have filed several disputes with all three of the major credit bureau, Equifax, XXXX and XXXX. they remove the collection reports from my credit report, but a few mouths after that, they allowed the same illegal and banded collection agencies refile these false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
On XX/XX/year>, I filed a dispute with Experian regarding fraudulent accounts on my credit report caused by identity theft. I included my FTC Identity Theft Report ( Report XXXX. XXXX ) and supporting documentation to demonstrate that the following accounts were opened fraudulently : XXXX XXXX To date, this account remain on my credit report. Experian has not provided adequate information about the investigation conducted or the methods used to verify this account. I am concerned that Experian has not complied with the Fair Credit Reporting Act ( FCRA ) by failing to conduct a thorough investigation. This issue is damaging my credit and causing financial harm.

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