vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Complaint Against Equifax for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.

I have already attempted to contact Equifax regarding this issue but have not received a satisfactory resolution and they refuse to reinvestigate. Therefore, I am seeking your assistance to ensure that Equifax complies with FCRA regulations and corrects this issue immediately.

Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion.

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I filed a dispute on XX/XX/year>2025 XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX Experian denied to follow up with the investigation. I recently was notified that CFBP has filled a lawsuit against the company ( Experian ) They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark to be removed The validity of this account is challenged. 
( XXXX ) delete this account due to 15 USC 1602 ( g ) ( 2 ), No evidence of indebtedness, only the agreement provided. You are still listing. DELETE ACCOUNT.

15usc1681 ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete late payments as well. Experian violates my rights as a customer, as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
The company is XXXX and the card is Avant. I signed up with a $ 0 monthly fee. I've never used the card, so I've never been late! I got an email today saying that a {$100.00} annual fee will be added to my account and a 6 point rate increase because of one of the following reasons : delinquency, over-limit, card usage or lack of profitability! The 1st three do not apply to me because I've never used the card! So because of lack of profit, I'm penalized! Here 's the real kicker! The representative from Avant told me that they do this to every customer! They hide it in their terms of agreement! This can not be a fair business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: EdFinancial Services
State: CA

Complaint narrative:
**Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Request for CFPB Assistance Against EdFinancial , XXXX, and XXXX for Violations of Federal Law** Dear CFPB, I am requesting your assistance in taking action against **EdFinancial Services, XXXX, and XX/XX/XXXX** for their failure to provide documentation and continued inaccurate reporting of a **paid and closed student loan account** on my credit file. 
Despite my repeated requests, **EdFinancial has not provided any proof of their right to report this account**, yet XXXX and XXXX continue to include it in my credit reports. Their actions violate federal laws that protect consumers from inaccurate and unverified reporting.

**Violations of Federal Law** The actions of EdFinancial, XXXX, and XXXX may constitute violations of the following laws : **1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. ** - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Furnishers must not report inaccurate information. EdFinancial is reporting an account without verification.

- **15 U.S.C. 1681s-2 ( b ) : ** Credit bureaus and furnishers must investigate disputes and provide proper verification or delete the disputed information. XXXX and XXXX have failed to remove this unverified account. 
- **15 U.S.C. 1681i : ** Credit bureaus must conduct a reasonable reinvestigation of disputed information. XXXX and XXXX have **failed to verify this account** and continue to report it inaccurately.

**2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. ** - **15 U.S.C. 1692e ( 8 ) : ** It is unlawful for a debt collector to communicate false credit information or fail to report that a debt is disputed.

**3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1631 et seq. ** - EdFinancial is required to provide clear and accurate disclosures, including verification of the debt. Their failure to do so raises serious compliance concerns.

**Request for CFPB Action** I request that the CFPB : 1. **Investigate EdFinancial, XXXX XXXX and TransUnion** for their failure to provide proper documentation and their continued reporting of inaccurate information. 
2. **Compel EdFinancial to provide documentation proving their right to report this account** or remove the account from my credit reports.

3. **Hold XXXX and XXXX accountable** for failing to properly investigate my dispute and continuing to report unverified information.

4. **Ensure the immediate removal of this account from my credit reports** if no valid documentation is provided.

Please advise me on the next steps I should take. I appreciate the CFPBs assistance in ensuring these companies comply with federal law and correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Credit Inquiries Violation of FCRA Section 605B Complaint Details : I am submitting this formal complaint against XXXX for failing to remove unauthorized inquiries from my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ).

My personal information was compromised in a data breach, and as a result, fraudulent inquiries have appeared on my credit report without my authorization. Under FCRA Section 605B, as a victim of identity theft, I have the right to request the immediate blocking and removal of any information resulting from identity theft. 

Despite submitting my identity theft report and supporting documentation, XXXX has either failed to act or improperly categorized my request as a standard 30-day dispute under FCRA Section 611, which is incorrect. Section 605B explicitly requires the immediate blocking of fraudulent items once an identity theft report is provided.

Requested Resolution : I demand that [ Credit Bureau Name ] immediately remove all unauthorized inquiries related to identity theft as required under FCRA Section 605B. I also request a written confirmation of these removals and an explanation of why my request was not handled properly in the first place. 

Supporting Documentation ( Attached ) : Copy of my Identity Theft Affidavit Police report ( if applicable ) Copy of my credit report with unauthorized inquiries highlighted Failure to comply with the FCRA may result in legal action, including monetary damages under 15 U.S.C. 1681n and 1681o. I expect a prompt resolution in accordance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CO

Complaint narrative:
Please check the information concerning the Equifax data breach below in included attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
XX/XX/scrub>/2021 {$230.00} this debt started with federal cash advance now they sold the debt to XXXX , XXXX XXXX XXXX XXXX Now every other day I'm getting threating phone call and text messages from the company but they haven't sent me the original copies with my signature, the forward flow agreement no nothing. please have this company to remove my information..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
In XX/XX/year>2024 I received an alert through my credit monitoring service that someone had fraudulently opened a credit account with THD/CBNA in my name using my previous last name was changed over 10 years ago. They opened an account with an {$8000.00} credit limit and charged {$7700.00}. I was told the individual went in a Home Depot Store in XXXX, Ky. and opened the account in person using my information. I immediately reported this to all credit bureaus, XX/XX/XXXXand filed a police report # XXXX. I reported this information immediately to THD/CBNA and was provided a case # XXXX. I later found out that they also used the name and SS # of my ex husband. He too verified this was appearing on his credit report as well and took all the same steps that I had taken and was given case # XXXX. I have an identity restoration specialist that I've given Power of Attorney trying to help me get an update on my case. THD/CBNA refuses to give me an update on the case because they keep telling me that the information I am providing to them doesn't match what is on the credit account. Now for some reason my ex-husbands name is appearing on 1 of my credit reports and I'm having trouble getting that removed also. I received a letter from Home Depot Credit Services but it is in my ex husbands name and a different acct # stating that he has been cleared and they would notify consumer reporting agencies to remove the account from his credit. I have not received that letter in my name. What is more strange is that they sent letters to his address and mine in his name but nothing to either address in my name. The credit reporting agencies do show the account is closed but I don't see that my name has been cleared of the account. He received a letter at his address for acct # ending in XXXX, he also actually received the physical card in the mail with his name on it that ended in XXXX. I received a letter at my address in his name for a different acct # ending in XXXX. I never did receive a card at my address for that account. The credit agencies give you the beginning account # 's so I have no way of verifying if the account that was in my name was cleared or not. They also show the accounts were opened on 2 different days, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. I'm guessing they won't talk to me because it has something to do with the information of my ex husband. What they are not understanding is there are 2 account # 's, 2 different addresses, 2 different social security numbers, but the letter to me was in his name and not mine. I did speak to a XXXX the first time I called THD/CBNA and she is the one that informed me they used my first name, my previous last name, my address, and my social security #.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I try to fix a fee with them and I tell them that is they policy and they dont explain me they policy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the following inaccurate and/or unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to report only accurate and verifiable information. The following accounts violate this requirement : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3.XX/XX/XXXX - Account # XXXX Upon review of my credit report, I have determined that these accounts contain inaccurate, outdated, or unverifiable information in violation of : FCRA 15 U.S.C. 1681e ( b ) You must maintain maximum possible accuracy. If the data can not be verified, it must be removed.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If an item is disputed, you must conduct a reinvestigation within 30 days.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If you can not verify the information, it must be deleted immediately.

FCRA 15 U.S.C. 1681s-2 ( b ) Data furnishers must investigate disputes promptly and accurately. 

Furthermore, the recent lawsuit against Equifax and XXXX has demonstrated that these bureaus have previously failed to uphold their legal responsibilities, leading to removals of unverifiable accounts. Given this precedent, I demand immediate deletion of the disputed items. 

Failure to comply with FCRA regulations may result in legal action, including complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect written confirmation of the deletion within five ( 5 ) days from the receipt of this letter, as the continued reporting of inaccurate information constitutes willful noncompliance under FCRA 15 U.S.C. 1681n, making you liable for damages.

Please respond in writing to confirm the removal of these accounts. If you fail to comply, I will escalate this matter with regulatory agencies and consider legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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