vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I 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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I was contacted by, Credit Bureau Associates, a debt collector, via text nessage on XX/XX/XXXX. I opted out by replying " STOP ''. The same company has contacted me two additional times from the same phone # ( XXXX ) regarding the same account. The second contact via text was received on XX/XX/XXXX. Again 1 opted out by replying " STOP ''. The third contact via text was received today XX/XX/XXXX. And once again I opted out by replying " STOP ''. Screen shots of the texts are attached below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING A LATE PAYMENT ON MY CREDIT PROFILE WHICH HAS DAMAGED MY CREDIT SCORE XXXX AND HAS HURT MY ABILITY TO OBTAIN A GOOD CREDIT SCORE AND RECIEVE OFFERS OF CREDIT FROM COMPANIES IN COMMERENCE. I DON'T BELIEVE EXPERIAN DID A FARE INVESTIGATION IN THIS MATER AS WELL AS THE OTHER AGENCIES, XXXX AND XXXX, XXXX XXXX. THIS HAS HURT MY CREDIT IN A SEVERE WAY. AGAIN DROPPING MY SCORE XXXX POINTS. I WAS IN THE XXXX 'S AND IN EXCELLENT STANDING WITH COMPANIES WANTING TO DO BUISNESS WITH ME AND OFFER CREDIT TO ME. 

UCC CODE VIOLATIONS : 15 USC 1666b 15 USC 1637b 15 USC 1681s-2 15 USC 1681i To name a few. 
XXXX XXXX is NOT MY ORIGINAL CREDITOR AND HAS NO RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT, AS THEY NEVER LOANED ME ANY MONEY FOR A MORTGAGE AND ARE A THIRD PARTY AGENCY. XXXX XXXX HAS BEEN MAKING ERRORS ON MY MORTGAGE PAYMENTS AS IT REPORTED MY MORTGAGE WAS PAID IN FULL, THEN REMOVED MY MORTGAGE OFF MY CREDIT PROFILE THEN PUT IT BACK ON MONTHS LATER AND STARTED REPORTING ON MY MORTGAGE AGAIN. CLEAR ERROES HAVE BEEN MADE. EXPERIAN DID NOT DO A POPER INVESTIGATION WHEN I COMPLAINED AND SENT COMPLAINT TO THEM.

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 2025-01-09 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: KY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-09 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 any 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 of 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 2025-01-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern : Re : Demand to Remove Incorrect and Obsolete Address Information Under the Fair Credit Reporting Act ( FCRA ) Social Security Number : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally request the removal of obsolete and incorrect address information from my credit file. According to the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information and to investigate and correct inaccuracies within a reasonable timeframe. 

The following address ( es ) are no longer valid or associated with my ability to receive mail and must be removed from my credit report : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The following names are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon receiving a dispute regarding the accuracy or completeness of any item in a consumers file. Additionally, 15 U.S.C. 1681e ( b ) mandates that you adopt reasonable procedures to ensure the maximum possible accuracy of the information reported. 

I am providing the following documents to verify my identity and current address : XXXX. A copy of a government-issued ID. 
XXXX. A recent utility bill showing my current address. 

I request that you update my file to reflect only my current address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Please complete this correction within XXXX  days, as required by the FCRA, and provide me with written confirmation that the outdated address ( es ) have been removed from my credit report. If you fail to address this matter appropriately, I may be compelled to escalate this issue by taking other legal action. 

Should you require any additional information to process this request, please contact me at XXXX or via email at XXXX. Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

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
Consumer complaint received 2025-01-09 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:
" According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. Please remove these negative items thank u

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 2025-01-09 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: DE

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : ** Formal Complaint Against Experian and XXXX for Violating FCRA ( 15 U.S. Code 1681i ) **Relevant Legislation : ** **TITLE 15 Chapter 41** 1681s2. Responsibilities of Furnishers of Information to Consumer Reporting Agencies I am writing to formally lodge a complaint against Experian and XXXX for violating the Fair Credit Reporting Act. 

Both agencies have failed to fulfill their legal obligations, particularly concerning the accuracy of the information they report to my consumer report. 

My specific concerns include : Under the 15USC1681s2. 
1. **Duty to Provide Accurate Information** : - Furnishers are PROHIBITED from reporting information they know to be inaccurate and must not report after being informed of errors. 

2. **Duty to Correct and Update Information** : - Agencies must ensure that the information they provide is both complete and accurate. 

3. **Duties Upon Notice of Dispute** : - They are required to investigate disputes thoroughly, review all relevant data, and report their findings to the consumer reporting agency. IF INACCURACIES ARE FOUND, THEY MUST INFORM ALL OTHER AGENCIES THAT RECEIVED THE INFORMATION. 

I have provided physical proof related to account XXXX, showing this account was investigated by XXXX, after the investigation was completed the account was deleted from the consumer report.It is particularly concerning that the same source has removed this account from XXXX but continues to report it to Experian and XXXX, indicating a significant inconsistency in the information provided which further support its inaccuracy. 

Additionally, I have previously reached out to both agencies regarding this issue, but my concerns have not been adequately addressed. This lack of responsiveness raises further questions about their compliance with the Fair Credit Reporting Act. 

I respectfully request that the CFPB investigate this matter to ensure that Experian and XXXX adhere to the Fair Credit Reporting Act and rectify any inaccuracies in my credit report. 

Thank you for your prompt attention to this important issue. I look forward to your swift response.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Complete Deletion of My Consumer Report Due to Experian Data Breach To Whom It May Concern : I am writing to formally request the complete deletion of my consumer report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This request is made in light of the recent Experian data breach, which has exposed my personal information to unauthorized access and significantly compromised the accuracy, security, and reliability of the data Experian maintains.

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. The breach represents a failure to uphold this obligation, as my sensitive information is now susceptible to misuse, fraud, and identity theft, undermining the integrity of the data Experian holds.

Given the severity of this situation, I am invoking my right to protect my consumer data and requesting the following actions : Immediate and complete deletion of my consumer report from Experian 's records to prevent further risks associated with the breach. 
Confirmation in writing that my consumer report has been deleted and that no further information about me will be maintained by Experian. 
An explanation of the steps Experian will take to prevent similar breaches in the future, as required under applicable data protection laws and FCRA provisions. 
Please treat this request with urgency and respond within XXXX  days, as required by law. Should you fail to comply, I am prepared to pursue legal remedies to protect my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response confirming that my consumer report has been deleted. 

Sincerely,

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I discovered inaccuracies on my Experian credit report that I believe are negatively affecting my credit score. Specifically : late payment for XXXX on is listed incorrectly, even thou I have been making my payments I filed a dispute with Experian on XXXX through their online porta, CFPB, over the phone and Certified mail and provided documentation supporting my claim. However, Experian stated that the information was verified, but did not correct the errors. This is causing harm to my credit score and impacting my ability to, qualify for a loan, rent a home. I am also in the process of buying a home for me and my family but this is enabling me to do so. 
I believe Experian failed to conduct a proper investigation as required by the Fair Credit Reporting Act. Additionally, I have reason to believe that these errors were reintegrated into my report without my notification, which violates the law. 
I am requesting that the CFPB intervene and require Experian to : Conduct a thorough investigation of my disputes. 
Correct all inaccurate information. 
Notify me of the changes and ensure these errors are not reintroduced in the future. 
I have attached the following documentation to support my complaint : Copy of the credit report showing the errors. 
Proof of payments and correspondence with the creditor. 
Dispute confirmation from Experian. 
Attachments Credit report with errors highlighted. 

Copies of disputes and responses from Experian. 
Desired Resolution I want Experian to remove all inaccuracies from my credit report, ensure the errors are not reintroduced, and provide a formal confirmation of the resolution. 
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
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ]. I request that my current address be updated accordingly. 


3. Incorrect Wrong Employer : My correct employers is XXXX XXXX XXXXXXXX XXXX. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

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 Date Opened : XXXX Balance : {$930.00} Late/Open XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Date Opened : 8/6/2012 Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : 8/6/2012 Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : 8/6/2012 Balance : {$0.00} Late/Closed XXXX XXXX  Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Date Opened : XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-09 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: TX

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, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} XXXX Inquiries : 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 explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 non-monetary relief