vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I am submitting this formal complaint against Equifax Information Services LLC for its continued failure to accurately report information regarding a charged-off account originally furnished by XXXX XXXX XXXXDespite multiple disputes and a formal CFPB complaint ( Ref. # XXXX ), Equifax continues to inaccurately report the XXXX XXXX account with a charge-off status and a balance of {$10000.00}. XXXX XXXX  has confirmed in its written response that this account was sold to XXXX XXXX, XXXX on XXXX XXXX 2025.Per Metro 2 reporting guidelines and FCRA Section 1681e ( b ), once a debt is sold or transferred, the original creditor ( XXXX XXXX  ) is required to : - Report a {$0.00} balance- Update the account status to " sold/transferred '' - Cease reporting any delinquency or charge-off status after saleEquifax has failed to do any of the above. This continued misreporting is misleading, inaccurate, and a violation of : - FCRA 1681e ( b ) : Duty to report with maximum possible accuracy- FCRA 1681i : Failure to reinvestigate or correct disputed informationI formally request that the CFPB compel Equifax to:1. Update the XXXX XXXX tradeline to reflect a {$0.00} balance and " sold/transferred '' status ; or2. Delete the tradeline entirely if XXXX XXXX no longer owns or services the debt.Attached are : - A copy of my follow-up dispute letter to Equifax dated XXXX XXXX, 2025- XXXX XXXX confirmation of the debt sale to XXXX XXXX- Identification and supporting documentationThis complaint is submitted in good faith and seeks compliance with the Fair Credit Reporting Act and industry-standard credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my accounts that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the accounts with the late payment. According to legal requirements, I understand that an investigation or update of the accounts are mandated. Kindly review the listed accounts below that requires correction : XXXX  XXXX Balance {$5100.00} XXXX XXXX  XXXX Balance {$35000.00}

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 2025-05-29 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: VA

Complaint narrative:
On XX/XX/year>, I called Transunion and opened XXXX # XXXX with XXXX XXXX My case was opened to request ( 1 ) what information Transunion used to comply with FCRA Section 1681e ( b ), which requires a creditreporting agency to follow reasonable procedures to assure maximum possible accuracy whenever it prepares a report '' and 1.2. Cushman v. TransUnion, 115 F.3d 220 ( 3dCir.1997 ) a CRA must do more than merely adopt a furnishers claims. I then ( 2 ) requested 14 accounts with adverse information be removed because XXXX could not provide that information. XXXX then stated he would escalate my request to a supervisor, who would call me no later than Sunday, XX/XX/year>. I never got a phone call from Transunion, never got the information I requested, nor was the requested accounts removed from my credit report. The dispute remained " open '' on the Transunion website, so I waited. On XX/XX/year>, the dispute was closed and updated the adverse account for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  remarks to " Account previously in dispute-now resolved. reported by credit grant ; UNPAID BALANCE CHARGED OFF '' along with the dated updated to XX/XX/year>. 
AS A RESULT of the aforementioned, I request that the 14 accounts with adverse information be removed due to ( 3 ) Transunion 's refusal/inability to provide the information originally used to follow reasonable procedures to assure maximum possible accuracy whenever it prepares a report '' and Cushman v. TransUnion, 115 F.3d 220 ( 3dCir.1997 ) a CRA must do more than merely adopt a furnishers claims AND ( 4 ) change 4 late payments to on time for account the open XXXX XXXX XXXXXXXX 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 2025-05-29 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-29 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit reports from XXXX XXXX XXXX XXXX show a Wells Fargo Credit account with an inaccurate open date and a last payment delinquency reported from XXXX. Despite the FCRAs 7-year reporting limit, this negative information remains on my reports in XXXX, damaging my credit. After disputing these inaccuracies, Wells Fargo failed to correct the errors and engaged in retaliatory actions, constituting credit abuse. 
Credit report stated XX/XX/XXXX I have documents stating account was opened XXXX if its a day ahead. It still violates my consumer rights.

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 2025-05-29 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: IL

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 2025-05-29 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: CA

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 explanation
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-05-29 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 reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-29 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: Experian Information Solutions Inc.
State: IL

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 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 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XXXX XXXX I sent a certified letter to OneMain Financial Group, LLC Legal Department XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX In regards to Notice of Illegal Lending Practices & Demand for Immediate Loan Cancellation under Pursuant to Florida Statute 516.31 ( 2 ) and the Federal Truth in Lending Act ( TILA ), I demand immediate cancellation of the loan due to the following violations : I. Unlicensed Branch Activity The loan originated at XXXX XXXX XXXX XXXX XXXX, FL, yet the Florida Office of Financial Regulation ( OFR ) shows no active license for this location License # XXXX lists only an Indiana address.

Legal Violation : Fla. Stat. 516.03 requires separate licensing for all branch offices.

II. Predatory and Unconscionable Terms 24.38 % APR exceeds Floridas fair lending standards for low-income borrowers.

Undisclosed fees {$25.00} credit investigation fee violate TILAs itemization requirements.

III. Deceptive Arbitration Clause The contracts mandatory arbitration provision unlawfully waives my right to a jury trial under Fla. Stat. 501.2017. 

Today is now XXXX XXXX with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have asked this company several times to verify my opening this account through proof of my signature and drivers license in which they can not verify and havent validated the information that the company provided me is not been verified and only has sent information that is public record and for me to deny my name and social security number would be falsifying my information and the company also feel the account was opened fraudulent because the information that was sent to me the account was opened with a credit limit of {$100.00} dollars in late XXXX and charged {$1000.00} dollars and closed by the company in early XXXX and as soon as I was notified of it I reported it was opened fraudulently and not responsible for any charges I request that the company send me a cop of my drivers license and signature when this account was opened and they have failed to do anything I demand this investigation continue please and to send me the information proof of my drivers license and signature not keep stating the account was opened online with public information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
This morning, I was incredibly frustrated to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my credit, and suddenly seeing this was alarming. I even refreshed the browser hoping it was an error, but nothing changed. I need this investigated immediatelyplease review the documents I submitted thoroughly so I can stop stressing over this.

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 2025-05-29 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I recently discovered a fraudulent collection account on my report which I did not open or authorize. 

PORTFOLIO RECOVERY ASSOCIATES Date opened : XX/XX/year> Balance : {$5600.00} PORTFOLIO RECOVERY ASSOCIATES Date opened : XX/XX/year> Balance : {$1300.00} I believe my identity was stolen online, possibly through data breach and/or from some sort of scam. I dont know anything about these accounts or the original accounts that the collector bought them from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-29 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2025 I disputed that the a account that I didnt open was open fraudulent and the amount of {$4000.00} on my XXXX  report was different from the amount of {$4000.00} on my XXXX  XXXX report on my XXXX XXXX account and other credit reporting accounts the company that provided the wrong information and false account Name is Portfolio Recovery Associate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX that reflects a {$0.00} balance but still shows a delinquent amount of {$27000.00} and is marked as a collection/charge-off. This is inaccurate and misleading. 

I have no outstanding debt with this company, yet they are continuing to report a delinquent amount on my credit report. If the balance is {$0.00}, there is no delinquency or collection to report. This contradicts the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report only accurate and complete information. 

I previously submitted a dispute through the credit bureaus, and it was marked as meets FCRA requirements without correcting the inconsistency. This suggests the item was not properly investigated or verified. 

This reporting is harming my credit and is preventing me from obtaining housing and credit. I am asking the CFPB to intervene and require the company to either : 1. Provide full documentation proving the debt is valid and the amount is correct, or 2. Immediately remove the account from all credit reports if they can not validate the debt or justify the delinquency despite a {$0.00} balance.

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 non-monetary relief