vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of the information your company is reporting about me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy when furnishing consumer information. However, you are reporting unverified and/or inaccurate data that is negatively affecting my consumer report.

I demand that you : 1.Provide verification and proof of the accuracy of the disputed information.

2.Delete any unverified or inaccurate data from my file.

3.Provide a written confirmation of the actions taken.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action. Please respond within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
XX/XX/XXXX I requested a copy of the original promissory note on this XXXX XXXX due to the fact the accounting is incorrect. 

They asked that I submit a copy of my ID and SS card. I did that and continued to wait. As of today XX/XX/XXXX I still have not received this. 

As stated by In accordance with the FCRA, it is your responsibility to verify the accuracy of the disputed information with the creditor. To facilitate this verification process, I am requesting a copy of the original promissory note for the XXXX XXXX. This document will help confirm the details of the loan agreement and ensure that the information being reported is accurate. 

Now that it has been well over 60 day I need to know the legal steps needed to take to get this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am reaching out again regarding an unresolved dispute about unauthorized hard inquiries on my credit report, which I initially submitted on [ date of first dispute ]. As this is my second request, I kindly ask for your immediate attention in resolving this matter. 
Under my rights outlined in the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally request a prompt resolution. 
Unauthorized Inquiries in Question : XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Reason for Dispute : Failure to Investigate : My previous dispute was submitted over XX/XX/XXXX, yet I have not received a proper resolution, violating my right to a timely investigation ( Section 611 ).

Lack of Information Disclosure : I have not been provided with the results of any investigation or a full report of the information in my file, as required by Section 609.

Lack of Authorization : These inquiries were made without my consent and do not meet any permissible purpose under Section 604.

Requested Actions : To resolve this issue, I request the following actions : A thorough re-investigation of the unauthorized inquiries.

The removal of any inquiries found to be unauthorized from my credit report.

A new copy of my updated credit report reflecting these changes. 
A detailed explanation of the investigations findings within 15 days of receiving this letter. 
I have enclosed copies of my previous dispute letter, a copy of Identity Theft .gov, as well as a copy of my identification for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-04-03 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have recently gotten a copy of my credit reports from the Credit agencies such as XXXX, XXXX, and XXXX. I noticed many discrepancies, errors, and inaccuracies Furthermore, according to the law any inaccuracies needs to be addressed, investigated, and deleted immediately. I Did not give XXXX permission to place many inaccuracies onto my credit report Did I give you'll Consent? I the consumer wasn't notified 15 days by the financial institutions of placing anything onto my credit report. the FCRA law code states " The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, requires financial institutions to notify consumers about any negative information they furnish to a consumer reporting agency, no later than 30 days after furnishing the information, not 15 days before. '' XXXX XXXX XXXX CAPITAL ONE BANK '' has violated myself as the consumer also the FCRA. also according to the FCRA 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
However I request Validation of debt, Contract with my signature, also the facts stating you have the right to collect this alleged debt, May I also add I need documents stating the statue of limitation to collect on this alleged debt I the consumer XXXX XXXX XXXX is allegedly responsible for. this US Code 18 USC 894 simply explains a crime being committed a group of individuals teaming up violating consumers and the law The Credit Agencies, The financial institutions, and the collection agencies are in violation this US Code states the facts The financial institution were suppose to protect me, and my financial information which they didn't, the credit agencies needed consent to report which I did not give, and the collections are involved as punishment. willingly they are doing it together which is committing a crime by law which is " Conspiring consumers if anyone does this for the nonpayment of can be fined once again. '' Your Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
I have recently gotten a copy of my credit reports from the Credit agencies such as Transunion, XXXX, and XXXX. I noticed many discrepancies, errors, and inaccuracies Furthermore, according to the law any inaccuracies needs to be addressed, investigated, and deleted immediately. I Did not give Transunion permission to place many inaccuracies onto my credit report Did I give you'll Consent? I the consumer wasn't notified 15 days by the financial institutions of placing anything onto my credit report. the FCRA law code states " The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, requires financial institutions to notify consumers about any negative information they furnish to a consumer reporting agency, no later than 30 days after furnishing the information, not 15 days before. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' has violated myself as the consumer also the FCRA. also according to the FCRA 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

However I request Validation of debt, Contract with my signature, also the facts stating you have the right to collect this alleged debt, May I also add I need documents stating the statue of limitation to collect on this alleged debt I the consumer XXXX XXXX XXXX is allegedly responsible for. this US Code 18 USC 894 simply explains a crime being committed a group of individuals teaming up violating consumers and the law The Credit Agencies, The financial institutions, and the collection agencies are in violation this US Code states the facts The financial institution were suppose to protect me, and my financial information which they didn't, the credit agencies needed consent to report which I did not give, and the collections are involved as punishment. willingly they are doing it together which is committing a crime by law which is " Conspiring consumers if anyone does this for the nonpayment of can be fined once again. '' Your Best, 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 2025-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB Dispute Resolution Team, I am writing to formally escalate a complaint regarding persistent violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and multiple credit reporting agencies, including XXXX, Equifax, and XXXX. Despite prior disputes and reinvestigations, including my filing of a complaint with the CFPB on XX/XX/XXXXXXXX XXXX XXXX  over 30 days ago, the errors persist, negatively impacting my credit score month after month. 

Details of the Issue The credit reporting inaccuracies include : On XXXX XXXX XXXX tagged me with the bureaus as DECEASED in alleged retaliation. It took me about 2 days to fix this with the individual bureaus and this caused my score to disappear, and I have had issues with accessing the reports after this huge violation Misrepresentation of Balance and Account Information : XXXX XXXX reported a balance of {$1600.00} with a " charged-off '' status and past due amount matching the balance. 

Delinquencies ( 30/60/90 days ) continue to be reported post-account closure on XX/XX/XXXX, suggesting re-aging of the account. 

Failure to Resolve Disputes : Despite submitting disputes with XXXX, Equifax, and XXXX, the inaccuracies remain unresolved after reinvestigation. Errors have compounded rather than being corrected, as demonstrated in their failure to update or delete inaccurate information. 

Negative Impact on Credit Score : The unresolved inaccuracies have caused significant harm to my credit profile, leading to a steady decline in my credit score and limiting my financial opportunities. 

FCRA Violations Identified These actions violate the following FCRA provisions : 15 U.S.C. 1681e ( b ) Obligates credit reporting agencies to ensure maximum possible accuracy. Persisting inaccuracies violate this mandate. 

15 U.S.C. 1681i ( a ) Mandates reinvestigation and correction of inaccurate information. The agencies have failed to fulfill this requirement despite repeated disputes. 

Re-aging Violations Reporting delinquency statuses post-account closure misrepresents the account 's history, violating FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
Dear CFPB Dispute Resolution Team, I am writing to formally escalate a complaint regarding persistent violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and multiple credit reporting agencies, including XXXX, XXXX, and TransUnion. Despite prior disputes and reinvestigations, including my filing of a complaint with the CFPB on XX/XX/XXXX, over 30 days ago, the errors persist, negatively impacting my credit score month after month. 

Details of the Issue The credit reporting inaccuracies include : On XXXX XXXX XXXX tagged me with the bureaus as DECEASED in alleged retaliation. It took me about 2 days to fix this with the individual bureaus and this caused my score to disappear, and I have had issues with accessing the reports after this huge violation Misrepresentation of Balance and Account Information : XXXX XXXX reported a balance of {$1600.00} with a " charged-off '' status and past due amount matching the balance. 

Delinquencies ( 30/60/90 days ) continue to be reported post-account closure on XX/XX/XXXX, suggesting re-aging of the account. 

Failure to Resolve Disputes : Despite submitting disputes with XXXX, XXXX, and TransUnion, the inaccuracies remain unresolved after reinvestigation. Errors have compounded rather than being corrected, as demonstrated in their failure to update or delete inaccurate information. 

Negative Impact on Credit Score : The unresolved inaccuracies have caused significant harm to my credit profile, leading to a steady decline in my crediXXXX score and limiting my financial opportunities.

FCRA Violations Identified These actions violate the following FCRA provisions : 15 U.S.C. 1681e ( b ) Obligates credit reporting agencies to ensure maximum possible accuracy. Persisting inaccuracies violate this mandate.

15 U.S.C. 1681i ( a ) Mandates reinvestigation and correction of inaccurate information. The agencies have failed to fulfill this requirement despite repeated disputes. 

Re-aging Violations Reporting delinquency statuses post-account closure misrepresents the account 's history, violating FCRA standards.

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 2025-04-03 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: FL

Complaint narrative:
Dear CFPB Dispute Resolution Team, I am writing to formally escalate a complaint regarding persistent violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and multiple credit reporting agencies, including Experian, XXXX, and XXXX. Despite prior disputes and reinvestigations, including my filing of a complaint with the CFPB on XX/XX/XXXXXXXX XXXX over 30 days ago, the errors persist, negatively impacting my credit score month after month. 

Details of the Issue The credit reporting inaccuracies include : On XXXX XXXX XXXX tagged me with the bureaus as DECEASED in alleged retaliation. It took me about 2 days to fix this with the individual bureaus and this caused my score to disappear, and I have had issues with accessing the reports after this huge violation Misrepresentation of Balance and Account Information : XXXX XXXX reported a balance of {$1600.00} with a " charged-off '' status and past due amount matching the balance. 

Delinquencies ( 30/60/90 days ) continue to be reported post-account closure on XX/XX/XXXX, suggesting re-aging of the account. 

Failure to Resolve Disputes : Despite submitting disputes with Experian, XXXX, and XXXX, the inaccuracies remain unresolved after reinvestigation. Errors have compounded rather than being corrected, as demonstrated in their failure to update or delete inaccurate information. 

Negative Impact on Credit Score : The unresolved inaccuracies have caused significant harm to my credit profile, leading to a steady decline in my credit score and limiting my financial opportunities. 

FCRA Violations Identified These actions violate the following FCRA provisions : 15 U.S.C. 1681e ( b ) Obligates credit reporting agencies to ensure maximum possible accuracy. Persisting inaccuracies violate this mandate. 

15 U.S.C. 1681i ( a ) Mandates reinvestigation and correction of inaccurate information. The agencies have failed to fulfill this requirement despite repeated disputes. 

Re-aging Violations Reporting delinquency statuses post-account closure misrepresents the account 's history, violating FCRA standards.

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