vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Equifax Regarding Inaccurate Credit Reporting and Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for reporting inaccurate credit information, in violation of the Fair Credit Reporting Act ( XXXX  ) specifically XXXX U.S.C. XXXX ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Nature of the Complaint : Account in Question : Creditor : XXXX  XXXX Account Number : XXXX XXXX Account # XXXX XX/XX/XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX Equifax is reporting an inaccurate date of first delinquency for the above-referenced account. This date does not match my records, and the discrepancy is adversely impacting my credit score and financial reputation. 

Despite submitting disputes to both XXXX XXXX and Equifax, the incorrect reporting remains uncorrected. As you are aware, XXXX U.S.C. XXXX requires that furnishers of information must provide accurate data and must correct any known inaccuracies upon receiving notice of a dispute. 

The continued presence of this erroneous information strongly suggests that Equifax has failed to maintain reasonable procedures to ensure data accuracy, as required under XXXX U.S.C. XXXX ( b ). 

Furthermore, XXXX U.S.C. XXXX requires credit bureaus to conduct a reasonable investigation within XXXX  days of a consumer dispute. Neither Equifax nor XXXX Mortgage has provided any substantive or verifiable evidence supporting the reported delinquency. Their responses have been vague, insufficient, and unhelpful. 

My Request : A full and thorough investigation by the CFPB into XXXX handling of my dispute and the validity of the delinquency date being reported. 

A formal correction or deletion of the inaccurate information if it can not be substantiated. 

A complete disclosure of my XXXX XXXX XXXX ( XXXX ) profile from Equifax. 

Given the CFPBs prior enforcement actions against other consumer reporting agencies, I trust your office will hold Equifax accountable and help protect my rights as guaranteed by the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

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 2025-05-08 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: NY

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-08 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 declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-05-08 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax Regarding Inaccurate Credit Reporting and Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for reporting inaccurate credit information, in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Nature of the Complaint : Account in Question : Creditor : XXXX XXXX  Account Number : XXXX Equifax is reporting an inaccurate date of first delinquency for the above-referenced account. This date does not match my records, and the discrepancy is adversely impacting my credit score and financial reputation. 

Despite submitting disputes to both XXXX XXXX  and Equifax, the incorrect reporting remains uncorrected. As you are aware, 15 U.S.C. 1681s-2 requires that furnishers of information must provide accurate data and must correct any known inaccuracies upon receiving notice of a dispute. 

The continued presence of this erroneous information strongly suggests that Equifax has failed to maintain reasonable procedures to ensure data accuracy, as required under 15 U.S.C. 1681e ( b ).

Furthermore, 15 U.S.C. 1681i requires credit bureaus to conduct a reasonable investigation within 30 days of a consumer dispute. Neither Equifax nor XXXX Mortgage has provided any substantive or verifiable evidence supporting the reported delinquency. Their responses have been vague, insufficient, and unhelpful. 

My Request : A full and thorough investigation by the CFPB into Equifaxs handling of my dispute and the validity of the delinquency date being reported. 

A formal correction or deletion of the inaccurate information if it can not be substantiated. 

A complete disclosure of my XXXX XXXX XXXX ( XXXX ) profile from Equifax. 

Given the CFPBs prior enforcement actions against other consumer reporting agencies, I trust your office will hold Equifax accountable and help protect my rights as guaranteed by the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I want to make it clear that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy, as required by law. These errors are causing significant and ongoing harm to my financial well-being. I urge you to take prompt action to investigate and remove any unverifiable or incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I discovered that my identity had been compromised, which included the loss of my drivers license, passport, credit cards, and other personal documents. Since then, I have seen numerous fraudulent accounts and collections appear on my credit reportnone of which I opened, authorized, or conducted business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I want to make it clear that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy, as required by law. These errors are causing significant and ongoing harm to my financial well-being. I urge you to take prompt action to investigate and remove any unverifiable or incorrect 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 2025-05-08 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-09 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: TX

Complaint narrative:
Under Title 15 of the United States Code, Section 16818, a credit inquiry may only be made under certain circumstances and for permitted purposes. Additionally, under Title 15 of the United States Code, Section 16811, I have the right to dispute inaccurate information in my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-09 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by TransUnion. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXXXXXX 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 2025-05-08 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( XXXX  ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
Someone used my social and personal information to get an apartment in XXXX in a different state, and I was never notified about it till it went into collections in XXXX. And I have not lived in my XXXX address for 2 years now, and I was trying to get utility bills but most of the companies I have called can only go back to XXXX. So I asked the collections company ( genesis ) if I can provide my car bill statement or my tax returns and they said no that can not be used to prove residency. Which I can not believe is entirely true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
When I reviewed my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why theyre there. I routinely monitor my report, but these errors appeared out of the blue. I tried reloading the page in case it was just a technical issue, but nothing changed. For this reason, Im asking that my submitted documents be carefully reviewed to prevent this from happening again.

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 2025-05-09 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This letter serves as a formal demand to immediately remove the alleged collection account reported under my name from all three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). This debt is not owed, and I dispute its validity in full. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to demand complete and documented validation of this alleged debt. I hereby request the following documentation to validate your claim : A contractual agreement bearing my wet signature, showing I have a legal obligation to pay this debt.

A full accounting breakdown showing how the alleged amount was calculated.

Proof that your agency is authorized to collect on this debt.

Any relevant chain of custody documents showing transfer of ownership of the debt.

Failure to provide the above within 30 days will be taken as your admission that no such documentation exists, and the debt is not valid or legally enforceable.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am requesting immediate deletion of this unverifiable collection entry from all credit reporting agencies. Continuing to report unverifiable information is a violation of federal law and may result in legal action against your agency. 

Let me be clear : I do not owe this debt. 

You must cease collection efforts immediately unless valid proof is presented. 

If you can not provide the original signed agreement, this entry must be permanently removed from my credit reports without delay. 

If this matter is not resolved within the time allowed by law, I will not hesitate to pursue all legal remedies available, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office, as well as initiating a lawsuit for damages, court costs, and attorney fees. 

This letter shall serve as official notice to preserve all evidence related to this matter in anticipation of potential litigation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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