vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a written dispute letter to Experian regarding inaccurate information on my credit report. Specifically, I was disputing late payments and a closed account that I believe were reported in error. The letter was delivered and confirmed received by Experian on XX/XX/year>. 

As of today, XX/XX/year>, I have not received any written response, investigation results, or confirmation from Experian regarding my dispute. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

It has now been more than 30 days since Experian received my dispute. Their failure to respond or take any visible action is a direct violation of the FCRA. I am requesting the CFPB investigate this matter and ensure Experian complies with the law by : Immediately removing or correcting the inaccurate information in question, Providing me with a formal written response to my dispute, Explaining why the dispute was not investigated within the required timeframe. 

I am also requesting the CFPB hold Experian accountable for violating my rights under federal law. 

Supporting Documents : Copy of dispute letter sent to Experian ( dated XX/XX/year> ) Proof of delivery showing Experian received the letter on XX/XX/year> The Tracking number for my dispute showing it was delivered XXXX Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-21 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: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
I received a notice from Amerisave Mirtgage that my loan application was declined. I did not apply for a loan from them. Made multiple attempts to call and never could get through to anyone. Left voicemail and sent email. Flagged credit reporting agencies as well. They ran my credit without my consent but had my email address so I should have gotten some type of notification prior to running report. If this is some type of scam from their company to get contacts it is terrible. I requested they provide me information on the address the loan was requested for. I did not download attachment from email I received as I could not confirm if it was safe download due to not being able to contact anyone at Amerisave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-21 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-21 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: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
I am writing to formally dispute the handling of my account and to bring to your attention potential violations of consumer protection laws regarding the unauthorized sharing of my personal information with third parties. This letter serves as a request for immediate investigation and resolution of these issues. 

I recently became aware that information about my account has been shared with third parties without my explicit consent. As you are aware, such actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( b ), which explicitly prohibits debt collectors from communicating with third parties in connection with the collection of a debt without the prior consent of the consumer or the express permission of a court. Additionally, I believe this conduct may be in violation of other applicable consumer protection laws, including but not limited to the Gramm-Leach-Bliley Act ( GLBA ), which restricts the sharing of nonpublic personal information with unauthorized third parties.

I demand that you immediately cease and desist from sharing my personal information with any third party without my prior written consent. Furthermore, I request a detailed accounting of all entities with whom my personal information has been shared, including the nature and purpose of each disclosure. Pursuant to the FDCPA, I also request verification of the debt in question, including the name and address of the original creditor, a detailed breakdown of the amount owed, and any supporting documentation. If any credit reporting activity related to this account was based on unauthorized or incorrect information, I request immediate removal of such entries from my credit report. I expect a written response to this dispute, including the results of your investigation, within 30 days of receipt of this letter. Failure to comply with this timeline may result in additional action being taken.

Please be advised that I am aware of my rights under the FDCPA, the GLBA, and other applicable laws. I reserve the right to pursue legal remedies if my concerns are not addressed promptly and satisfactorily. Additionally, any continued unauthorized sharing of my personal information may be reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and state regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a bankruptcy across XXXX credit bureaus. I am requesting that the inaccurate information be removed from my credit reports, as required under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I received a letter from the XXXX XXXX confirming that they did not report the bankruptcy to any credit bureaus. The letter explicitly stated : " The XXXX XXXXXXXX does not provide any information to the Credit Bureaus. '' On XX/XX/year>, I filed disputes with each of the XXXX major credit bureaus : XXXX Experian, and TransUnion, regarding the inaccurate bankruptcy information being reported. On XX/XX/year>, TransUnion also responded, confirming that the bankruptcy was verified as accurate. On XX/XX/year>, Equifax responded, confirming that the bankruptcy was removed from my report.On XX/XX/year>, Experian responded, stating that the bankruptcy was verified as accurate. Despite the confirmation from the XXXX XXXX that they did not provide any bankruptcy data to the credit bureaus, XXXX of the XXXX credit bureaus ( Experian and TransUnion ) reported that the bankruptcy was verified as accurate. This situation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. Specifically : Section XXXX ( b ) of the FCRA requires that " 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. '' Since XXXX suppressed my entire credit report, the bureaus were not in a position to verify the accuracy of the bankruptcy information, thus violating the FCRAs accuracy requirement. 

Section XXXXi of the FCRA mandates that when a consumer disputes information, the credit reporting agency must conduct a reasonable investigation to determine whether the information is accurate. If the information can not be verified, it must be removed. Given that the bankruptcy information could not be verified, it should have been removed from my credit report by Experian and TransUnion.

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 2025-04-21 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion and Equifax are both reporting a bankruptcy on my credit report without providing verifiable documentation. I have provided a letter directly from the bankruptcy court stating that they do not report to any credit bureau and that this information is unverifiable. They are not reporting 100 percent accuracy.

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 2025-04-21 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 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 explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, and/or unauthorized access. I hereby demand verifiable proof, including documentation bearing my physical or electronic signature, for any account or inquiry you claim was authorized by me.

I never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that they were initiated without proper validation or original documentation. As such, the reported items are not factual and appear to be the result of fraudulent activity, data breach, or unauthorized reporting by creditors or third-party data furnishers.

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 2025-04-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach and/or fraud. I hereby demand verifiable proof, including documentation bearing my physical or electronic signature, for any accounts or inquiries alleged to be authorized by me. 

This letter is submitted directly by me, not through any third party, and I request your full and careful review. I never authorized the actions reported, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies associated with these entries and confirmed that these actions were initiated without proper validation or supporting documentation. As such, they are not factually accurate and appear to be the result of fraudulent activity or unauthorized reporting by creditors or third-party data furnishers. 

This is a formal request for you to immediately investigate, and block or delete the disputed information unless you can provide lawful verification of my consent.

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 2025-04-21 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
Improper address history. 

States that I lived in XXXX XXXX which I never did. 

XXXX XXXXXXXX XXXX XXXX XXXX  Could be potential identity theft issue. Please investigate and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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