vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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 writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX  XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXXXXXX XXXX XXXX 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
Consumer complaint received 2025-02-14 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: TN

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-14 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: MI

Complaint narrative:
On XXXX XXXX I submitted a formal dispute to Transunion, XXXX, and XXXX regarding inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ). As required by law, the credit bureau had 30 days to investigate and respond, yet I never received any correspondence, verification, or resolution regarding my dispute.

Under FCRA Section 623, data furnishers are required to provide only accurate and verifiable information. Because I did not receive a response or resolution within the legally mandated timeframe, I am requesting immediate action from the CFPB to enforce compliance.

If the disputed accounts can not be verified, they must be immediately removed from my credit file. Please escalate this matter and ensure that Transunion follows federal guidelines in handling consumer disputes.

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 2025-02-14 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: NY

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of Autores XXXX on my credit report. I previously disputed this account, and it was successfully removed in accordance with the Fair Credit Reporting Act ( FCRA ). However, I recently reviewed my credit report and found that this account has been reinserted without proper notification, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA.

Under the FCRA, if an item is reinserted after being removed due to a previous dispute, I am legally entitled to written notice within XXXX business days of the reinsertion, along with certification from the data furnisher verifying its accuracy. As of today, I have not received any such notification or verification. 
I am requesting the following actions be taken immediately : Provide written certification from the furnisher of the information verifying its accuracy and legitimacy. 
Explain the reason for reinsertion and provide the identity of the entity that requested it. 
Remove the account from my credit report if verification can not be provided. 
Please consider this letter as my formal request for reinvestigation. If the matter is not resolved promptly, I am prepared to escalate this dispute through arbitration or legal means. Please respond in writing within 30 days, as required by law. 
I have attached copies of my previous dispute correspondence and a copy of my credit report highlighting the reinserted item. If you require additional information, feel free to contact me at the provided details. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution. 
Sincerely, 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 2025-02-14 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 reinsertion of Autores XXXX on my credit report. I previously disputed this account, and it was successfully removed in accordance with the Fair Credit Reporting Act ( FCRA ). However, I recently reviewed my credit report and found that this account has been reinserted without proper notification, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA.

Under the FCRA, if an item is reinserted after being removed due to a previous dispute, I am legally entitled to written notice within XXXX business days of the reinsertion, along with certification from the data furnisher verifying its accuracy. As of today, I have not received any such notification or verification. 
I am requesting the following actions be taken immediately : Provide written certification from the furnisher of the information verifying its accuracy and legitimacy. 
Explain the reason for reinsertion and provide the identity of the entity that requested it. 
Remove the account from my credit report if verification can not be provided. 
Please consider this letter as my formal request for reinvestigation. If the matter is not resolved promptly, I am prepared to escalate this dispute through arbitration or legal means. Please respond in writing within 30 days, as required by law. 
I have attached copies of my previous dispute correspondence and a copy of my credit report highlighting the reinserted item. If you require additional information, feel free to contact me at the provided details. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
Delete Hard Inquiries.

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.

The accounts below have violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a acconunt without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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.

Delete the accounts below :

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 2025-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute FCRA Violation and Identity Theft-Related Data Reporting I am writing to formally dispute inaccurate and fraudulent information on my credit report, which is directly related to identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and protection from the fraudulent use of my identity. Despite providing an official FTC Identity Theft Report, TransUnion has failed to take appropriate action, violating multiple provisions of the FCRA. 

Violations Committed by TransUnion, Experian and Equifax.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) TransUnion, Experian and Equifax did not conduct a thorough and reasonable reinvestigation of my dispute, despite clear evidence of identity theft.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion continues to report fraudulent and inaccurate information, negatively impacting my creditworthiness.

Failure to Block Identity Theft-Related Data ( 15 U.S.C. 1681c-2 ) TransUnion is legally required to block fraudulent accounts upon receipt of my FTC Identity Theft Report but has failed to do so.

Fraudulent Accounts & Unauthorized Inquiries That Must Be Deleted Immediately 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. Establishes that credit reporting agencies must conduct proper investigations. 
XXXXXXXX XXXX XXXX XXXX XXXX Reinforces that agencies must ensure accuracy in credit reporting. 
CFPB XXXX XXXX. XXXX Demonstrates regulatory action against failures to comply with FCRA obligations. 
My Formal Demand I demand immediate deletion of all unauthorized accounts and inquiries related to my identity theft. Under the FCRA, you are required to : Permanently remove the fraudulent accounts and inquiries from my credit file. 
Provide a written confirmation of deletion. 
Cease all reporting of these items to third parties. 
If these fraudulent items are not removed within the required timeframe of XXXX ( XXXX ) business days under 15 U.S.C. 1681c-2, I will escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ) and pursue legal action. 

Please send all written correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute FCRA Violation and Identity Theft-Related Data Reporting I am writing to formally dispute inaccurate and fraudulent information on my credit report, which is directly related to identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and protection from the fraudulent use of my identity. Despite providing an official FTC Identity Theft Report, TransUnion has failed to take appropriate action, violating multiple provisions of the FCRA. 

Violations Committed by TransUnion, Experian and Equifax.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) TransUnion, Experian and Equifax did not conduct a thorough and reasonable reinvestigation of my dispute, despite clear evidence of identity theft.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion continues to report fraudulent and inaccurate information, negatively impacting my creditworthiness.

Failure to Block Identity Theft-Related Data ( 15 U.S.C. 1681c-2 ) TransUnion is legally required to block fraudulent accounts upon receipt of my FTC Identity Theft Report but has failed to do so.

Fraudulent Accounts & Unauthorized Inquiries That Must Be Deleted Immediately 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. Establishes that credit reporting agencies must conduct proper investigations. 
XXXXXXXX XXXX XXXX XXXX XXXX Reinforces that agencies must ensure accuracy in credit reporting. 
CFPB XXXX XXXX. XXXX Demonstrates regulatory action against failures to comply with FCRA obligations. 
My Formal Demand I demand immediate deletion of all unauthorized accounts and inquiries related to my identity theft. Under the FCRA, you are required to : Permanently remove the fraudulent accounts and inquiries from my credit file. 
Provide a written confirmation of deletion. 
Cease all reporting of these items to third parties. 
If these fraudulent items are not removed within the required timeframe of XXXX ( XXXX ) business days under 15 U.S.C. 1681c-2, I will escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ) and pursue legal action. 

Please send all written correspondence to the address listed above. 

Sincerely, 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 2025-02-14 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 am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-14 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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