vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute to Correct Personal Information and Addresses Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Dispute Department , I am writing to formally dispute and request corrections to inaccurate personal information and addresses currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and you are required to investigate and correct errors within 30 days. 

Incorrect Personal Information : Name Variations : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Incorrect/Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXX XXXX XXXX XXXX XXXX XXXX Correct Personal Information : Full Legal Name : XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX I have attached a copy of my government-issued identification ( e.g., drivers license, passport ) and a recent utility bill or bank statement as proof of my correct identity and address. 

Please investigate this matter promptly and remove any outdated or incorrect information from my credit file. In accordance with FCRA requirements, I expect a written response and an updated copy of my credit report reflecting these changes within 30 days. 

If you fail to correct these inaccuracies, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the correction of my personal information. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To whom this May Concern, XX/XX/year> This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit but also damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are details of the account in dispute with all my personal information to verify my identity to help expedite this process By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlines item is completely inaccurate and a very serious error in reporting. Please update this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against Experian and XXXX for conducting sham investigations and failing to properly investigate consumer disputes, I expect you to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that minor those outlined in the CFPB complaints. 
This account is listed as a collection/charge off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

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 2025-03-20 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:
Equifax was advised that an original creditor along with the collection agency are BOTH reporting that I owe them. Neither is reporting {$0.00} or " charge off '' so it looks like my debt is doubled. They refuse to investigate or remove information when I call. 

The creditors are XXXX XXXX XXXX ( XXXX ) - {$860.00} XXXX XXXX ( XXXX ) - {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has 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  ; Has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-03-20 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: NC

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I have an Inquiry into my credit file which I did not approve or have knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> There are also several addresses on my report that I have never lived nor have any association with listed below which I have been trying to remove : XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Address ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Address ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Address ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX Address IDXXXX XXXX XXXX XXXX, XXXX FL XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Address ID : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX XXXX XXXX XXXX, XXXX NY XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Address ID : XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Address ID : XXXX XXXX XXXX XXXX, XXXX FL XXXX Address ID : XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Address ID : 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 2025-03-20 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX  account ( ending in XXXX ). This date is in the future, which indicates a reporting error. Please investigate and correct this inaccuracy. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX - XX/XX/XXXX Payment Status : Current I am disputing the reported late payments from XX/XX/XXXX to XX/XX/XXXX on my XXXX account ( ending in XXXX ). I believe these late payments were reported in error. I request verification with supporting documentation. If they can not be validated, please update them from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX account ( ending in XXXX ). Since this date is in the future, it is inaccurate and should be corrected. Please investigate and update my credit report accordingly. 


Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2025-03-20 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 filing a serious complaint against XXXX XXXX for reporting a fraudulent account under my name. This account is NOT mine, and it is falsely showing late payments and a charge-off on my credit report. I have never opened an account with XXXX XXXX, nor authorized any transaction with them. This fraudulent account is severely damaging my credit and must be removed immediately. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Reported Issue : Late payments, Charge-Off Affected Credit Bureaus : XXXX, Equifax XXXX XXXXXXXX is in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 609 of the FCRA, I am entitled to dispute inaccurate information on my credit report. The information about this account is fraudulent, and XXXX XXXX is required to investigate this dispute and resolve it in a timely manner under Section 611 ( a ).

In addition, the Consumer Financial Protection Bureau ( CFPB ) and FCRA require that when fraudulent activity is reported, the information must be removed within 4 business days under the Consumer Data Industry Association ( CDIA ) guidelines. The failure to act on this dispute promptly is a violation of those regulations. 

Other violations XXXX XXXX  may be committing include : Failure to Investigate Fraudulent Claims Under FCRA Section 611, they are required to investigate disputes and remove inaccurate information within 30 days. This has not been done, and I am demanding immediate resolution.

Failure to Provide Notice of Reinvestigation Results Under FCRA Section 611, they must notify the consumer within 5 business days of the results of the reinvestigation, but I have not received any such notification. 
Inaccurate Reporting XXXX XXXX is violating FCRA Section 623 by reporting information they can not verify as accurate, particularly since I have no relationship with them and can not be responsible for this account. 
Failure to Update Information Under FCRA Section 605B, they must block any information resulting from fraudulent activity once notified of identity theft. 
As part of my efforts to resolve this matter, I have already filed a report with the Federal Trade Commission ( FTC ) to document this fraud and initiate an investigation. I expect XXXX XXXX to comply with their obligations under the FCRA and rectify this situation immediately. 

My demands are as follows : Immediate removal of the fraudulent account from my credit report or I will immediately take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I am filing a serious complaint against XXXX XXXX for reporting a fraudulent account under my name. This account is NOT mine, and it is falsely showing late payments and a charge-off on my credit report. I have never opened an account with XXXX XXXX, nor authorized any transaction with them. This fraudulent account is severely damaging my credit and must be removed immediately. 

Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Issue : Late payments, Charge-Off Affected Credit Bureaus : Experian, XXXX XXXX  XXXX is in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 609 of the FCRA, I am entitled to dispute inaccurate information on my credit report. The information about this account is fraudulent, and XXXX XXXX is required to investigate this dispute and resolve it in a timely manner under Section 611 ( a ).

In addition, the Consumer Financial Protection Bureau ( CFPB ) and FCRA require that when fraudulent activity is reported, the information must be removed within 4 business days under the Consumer Data Industry Association ( CDIA ) guidelines. The failure to act on this dispute promptly is a violation of those regulations. 

Other violations XXXX  XXXX  may be committing include : Failure to Investigate Fraudulent Claims Under FCRA Section 611, they are required to investigate disputes and remove inaccurate information within 30 days. This has not been done, and I am demanding immediate resolution.

Failure to Provide Notice of Reinvestigation Results Under FCRA Section 611, they must notify the consumer within 5 business days of the results of the reinvestigation, but I have not received any such notification. 
Inaccurate Reporting XXXX XXXX is violating FCRA Section 623 by reporting information they can not verify as accurate, particularly since I have no relationship with them and can not be responsible for this account.

Failure to Update Information Under FCRA Section 605B, they must block any information resulting from fraudulent activity once notified of identity theft. 
As part of my efforts to resolve this matter, I have already filed a report with the Federal Trade Commission ( FTC ) to document this fraud and initiate an investigation. I expect XXXX XXXX to comply with their obligations under the FCRA and rectify this situation immediately. 

My demands are as follows : Immediate removal of the fraudulent account from my credit report or I will immediately 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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