vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is against TRANSUNION CREDIT BUREAU on XX/XX/2025 I called them trying to request a dispute against account name XXXX XXXX. I was then transferred to another department and I told the the same thing I'm trying to submit a dispute for a recently verified account XXXX XXXX I was trying to dispute this account and request a method of validation letter and original documents to show this account belongs to me. The TRANSUNION representative told me they contacted the company and they verified the account was mine. I then asked again for documents and validation letter and the TRANSUNION representative was unable to do anything I asked for this account. My rights where violated when I asked for validation letter and original contract and they were unable to provide them or even try to provide me with my request. My rights were clearly violated under the FCRA law which state that I have the right to request validation letter and original documents and how exactly did the company verify this account belongs to me. Account XXXX XXXX isn't mine and needs to be DELETED IMMEDIATELY. I also tried request the validation letter and original contract and documents from Experian credit bureau and Equifax credit bureau all 3 credit bureaus have not been able to provide me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is against TRANSUNION CREDIT BUREAU on XX/XX/2025 I called them trying to request a dispute against account name XXXX XXXX. I was then transferred to another department and I told the the same thing I'm trying to submit a dispute for a recently verified account XXXX XXXX I was trying to dispute this account and request a method of validation letter and original documents to show this account belongs to me. The TRANSUNION representative told me they contacted the company and they verified the account was mine. I then asked again for documents and validation letter and the TRANSUNION representative was unable to do anything I asked for this account. My rights where violated when I asked for validation letter and original contract and they were unable to provide them or even try to provide me with my request. My rights were clearly violated under the FCRA law which state that I have the right to request validation letter and original documents and how exactly did the company verify this account belongs to me. Account XXXX XXXX isn't mine and needs to be DELETED IMMEDIATELY. I also tried request the validation letter and original contract and documents from Experian credit bureau and Equifax credit bureau all 3 credit bureaus have not been able to provide me with anything.

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 2025-02-27 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: NH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have XXXX frauds : XXXX XXXX XXXX XXXX XXXX. It happens about the same time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : they send me the bill through CREDENCE on XX/XX/XXXX. From the bill, they state that I owned them {$1100.00} from XXXX XXXX. I disputed them and they sent me the file and need me to fill out. I did that and also reported to police that I have not have any account with XXXX XXXX XXXX and have not own them any money ( police email back to me need more info, but besides bill from XXXX XXXX XXXX on XX/XX/XXXX, I have not any bill or statement from XXXX XXXX XXXX before XX/XX/XXXX. 
XXXX ) XXXX : they send me the bill for period XXXX XXXX XXXX XXXX XXXX. I did call them 2 times and tell them this is not my account, and I and my wife ( same address ) have not have any account with them. I also chat online with them ( i have record online chat with them ). But they still continue send me the bill. 
I think that I got fraud, some XXXX used my information to have account with XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-27 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: ProCollect, Inc.
State: GA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Lawsuits against Transunion Experian, and Equifax, are proving that these reporting agencies are doing sham investigations and are not reporting information properly or correctly. 
They have been lying about these investigations for years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

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

Company 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 2025-02-27 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:
Upon checking my credit profile I noticed that the my credit has been compromised and the following accounts have been opened under my name XXXX XX/XX/year> {$340.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, 2023. I have filed a police report with my local police department as well as a report with the FTC. I've also reached out to the creditors and this issue has not been resolved. I've even disputed with Experian Equifax and Transunion and these items still remain. The results of their investigative results do not reflect record of me opening any account with any of these debt collectors who provided the alleged account information. This violates the FCRA Section 611a1A as I do not consent to e-oscar.

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 2025-02-27 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-27 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting ACT ( FCRA ), 15 U.S.C. 1861i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : Conserve {$570.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$960.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I am taking steps to recover my information. I am a victim of identity theft. I have previously made a claim about XXXX XXXX XXXX XXXX XXXXXXXX '' accounts that appear on my credit report. As a result they were removed. But on XX/XX/XXXX they came back again on my credit report. This is terrible. " XXXXXXXX XXXX XXXXXXXX '' opened on XX/XX/XXXX reporting {$500.00} charged off. " XXXX XXXX XXXXXXXX, XXXX '' opened on XX/XX/XXXX reporting {$500.00}. " XXXX XXXX XXXXXXXX '' opened on XX/XX/XXXX reporting {$500.00}. XXXX XXXX XXXX XXXX, XXXX '' opened on XX/XX/XXXX reporting {$500.00}. Due to these fraudulent accounts reappearing back on my credit report if it happens again i will be forced to take legal action.

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
This is my XXXX complaint that I have submitted. The last complaint ( XXXX ) the company denied it and referred to the Servicemembers Civil Relief Act ( SCRA ) and stated that it only applies to prior to the military. My complaint references the Louisiana SCRA which extends to all persons on active duty residing in Louisiana. If the company could please abide by Louisiana state law it would be much obliged. I have attached a copy of the Louisiana XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my credit report and the reporting of a bankruptcy on my credit report associated with Reference # XXXX according to my records the information is inaccurate and may violate the fair credit Reporting Act ( FCRA ) which mandates that all information reported to consumer reporting agencies be accurate and complete. Under the FCRA I have the right to request verification of this information. The reporting of this bankruptcy does not accurately reflect my account status and may be misleading to potential creditors. Additionally I request that you investigate this matter in accordance with metro 2 compliance guidelines which require furnishers of information to report accurate data. Please provide me with the following : 1. Verification of the bankruptcy, including the case number and details of the filing.

2. Documentation showing the timeline of the bankruptcy reporting, including the date of filing and discharge. 
Explanation of the reporting process and how this information was verified. .I expect a response within 30 days regarding this matter. Failure to address this may result in further action, including contacting the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your attention to this matter. I look forward to your prompt 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report and the reporting of a bankruptcy on my credit report associated with Reference # XXXX according to my records the information is inaccurate and may violate the fair credit Reporting Act ( FCRA ) which mandates that all information reported to consumer reporting agencies be accurate and complete. Under the FCRA I have the right to request verification of this information. The reporting of this bankruptcy does not accurately reflect my account status and may be misleading to potential creditors. Additionally I request that you investigate this matter in accordance with metro 2 compliance guidelines which require furnishers of information to report accurate data. Please provide me with the following : 1. Verification of the bankruptcy, including the case number and details of the filing.

2. Documentation showing the timeline of the bankruptcy reporting, including the date of filing and discharge. 
Explanation of the reporting process and how this information was verified. .I expect a response within 30 days regarding this matter. Failure to address this may result in further action, including contacting the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your attention to this matter. I look forward to your prompt response

Company response to consumer: Closed with non-monetary relief