vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.. 
I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX  XXXX payments missed, incorrect XXXX XXXX  XXXX payments missed incorrect XXXX XXXX XXXX missed incorrect Late payments XXXX incorrect. 
Late payment XXXX XXXX incorrect Late payment XXXX XXXX incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On or approximately XX/XX/XXXX our vehicle was repossessed because of default payment towards credit acceptance corporation finance. 
Since we had our vehicle repossessed a few times due to hardship and the economy that affecting the nation. We reach out to the financial institution to see if we can settle a payment so I can get the vehicle back! However credit acceptance told me that since the vehicle been in repossession more than once they would no longer entertain any other payment option unless the loan was paid off entirely in order to receive my vehicle back! The exact total amount that was due was {$5000.00}. And changed I believe that was paid approximately XX/XX/XXXX in full! After the payment was made credit acceptance reached out to the repo company told them that our loan was paid off and we was on our to recover the vehicle! Afterwards they indicated we owe XXXX balance and that our title was going to be sent out and including our payoff. Months went by and we received nothing from credit acceptance so we called them they indicated that we our a repo fee of {$370.00} dollars thats was not included In the payoff ( which we was told that we owed XXXX balance and received our vehicle ) therefore they continue to report late payments on our credit report for over this past year that we been trying to communicate with credit acceptance about fraudulent reporting to credit bureaus that we owe a financial responsibility to them and it went on for an yr. So recently they indicated we owe {$60.00} for the repo fee so it was pay around XX/XX/XXXX because I needed my title because I wanted a new vehicle! However credit acceptance indicated that the do not give clients any documentation on any final payment on a payoff! So these institutions can dictate how or whatever they want which is an unfair and a disadvantage to consumers! I have our whole conversation recorded and they indicated that we had owe nothing and they can not give me any documentation on my payoff because the dealer I was trying to purchase new vehicle declined my loan because no proof that the vehicle was paid off! I believe credit acceptance insituation needs to be fully investigated because what they are doing in committing fraudulent reports, they are deceiving the consumers from getting proper documentation as needed and most importantly affecting myself in moving forward of purchasing anything else because for a whole yr they fraudulent reported me to the credit bureau incorrectly! Please help so no ther consumers doesnt go through what I have been through! FYI they still havent sent any documents of any payoff!

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 2025-03-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX MI XXXX Account number XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX THIRD NOTICE Debt Validation Request Pursuant to FCRA and FDCPA To Whom It May Concern, I am writing in response to an entry on my credit report regarding an alleged debt you claim I owe. This is my third request for validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are required by law to provide sufficient validation of this debt, yet I have not received proper documentation proving my liability. 

As per my rights under 15 U.S.C. 1692g of the FDCPA and 15 U.S.C. 1681 of the FCRA, I formally request that you provide me with the following information : The original creditors name and address. 

The full account number associated with this alleged debt. 

A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges. 

A copy of the original signed contract or agreement proving my obligation to pay this debt. 

Proof that you are legally authorized to collect this debt in my state. 

Documentation proving that this debt has not exceeded the statute of limitations for collection in my state. 

If you can not provide the requested validation, you are required by law to remove this account from my credit report immediately, as continued reporting of inaccurate or unverified information is a violation of the FCRA ( 15 U.S.C. 1681s-2 ). 

Additionally, if this debt is found to be unverified, I request that you cease all collection activity and stop reporting it to any credit reporting agencies. Failure to comply with this request may result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please consider this letter a formal dispute. I request a response within 30 days from the date of receipt. Failure to provide sufficient evidence of the validity of this debt will be considered an admission that no such debt exists. 

Please send all correspondence to my mailing address listed above. 

Experian

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 2025-03-10 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: GA

Complaint narrative:
Transunion continue to refuse to remove these XXXX fraudulent addresses from my Transunion credit report after recent numerous disputes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never lived at these addresses. 

These addresses are currently on my Transunion credit report as of XX/XX/year>. Transunion is allowing these XXXX fraudulent addresses to continue to remain on my Transunion 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 non-monetary relief
Consumer complaint received 2025-03-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-10 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: NC

Complaint narrative:
Subject : Dispute Regarding Civil Liability for Negligence Noncompliance with 15 U.S. Code 1681o I am writing to formally dispute the alleged negligence and noncompliance related to the Fair Credit Reporting Act ( FCRA ) as outlined in 15 U.SXXXX Code 1681o. I believe that your company/agency has failed to comply with the legal obligations prescribed by the FCRA, which has caused harm to me as a consumer. 

Specifically, I am disputing the following : The charge-off reported by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, with a balance of {$4900.00}. I believe this charge-off to be inaccurate or improperly handled. This charge-off has negatively impacted my credit report, and I request a full review of the circumstances surrounding it. 

Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, in addition to court costs and reasonable attorney fees. Given this, I request that you promptly : Conduct a thorough investigation into this matter. 

Rectify the errors or provide an explanation for your actions. 

Compensate me for any damages incurred as a result of this noncompliance. 
Please provide a written response within 30 days of receiving this letter, outlining the corrective actions taken to resolve this issue. If I do not receive a satisfactory response, I may be compelled to pursue further legal action to protect my rights. 

I appreciate your immediate attention to this matter and look forward to your prompt response.

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 2025-03-10 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: FL

Complaint narrative:
Equifax has violated the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681c-2 by : Reinserting Fraudulent Accounts Without Proper Notification Equifax previously removed fraudulent accounts from my credit report, but they reappeared without written notification within five ( 5 ) business days as required by law.

Failing to Block Fraudulent Accounts Despite submitting an Identity Theft Report through the FTC ( Case XXXX XXXXXXXX ) and formally disputing these accounts, Equifax continued reporting fraudulent and unauthorized accounts in violation of FCRA 1681c-2.

Negligent Investigation of Disputed Accounts Under FCRA 1681i, Equifax is legally required to conduct a reasonable investigation into any dispute. Instead, Equifax failed to verify the accounts and refused to remove fraudulent information, even after multiple attempts.

Harming My Credit & Financial Stability As a result of Equifaxs negligence, I have been denied financial opportunities, suffered unnecessary stress, and have had to spend time and resources attempting to correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-10 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-03-10 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:
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 explanation
Consumer complaint received 2025-03-10 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 am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. I submitted multiple disputes about inaccuracies, and Equifax has consistently responded within XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Equifax is required to conduct a reasonable investigation when a consumer disputes information on their credit report. However, I have clear evidence that Equifax failed to investigate my disputes and simply confirmed the accuracy of the account without any proof.

Furthermore, Equifaxs behavior directly violates the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed an administrative proceeding against Equifax for this same issue ( File No. XXXX ). 

I am requesting that the CFPB take action to force Equifax to comply with federal laws by either : Providing documented proof of a reasonable investigation OR Immediately deleting the disputed account from my credit report. 
I also request that the CFPB investigate whether Equifax is still violating federal law as they were found guilty in the recent lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company repeatedly calls all XXXX  days of the week XXXX latest call received was around XXXX pm. They called both my parents and threatened them that Id be in serious trouble if I dont resolve a claim filed against me. They left me many voicemails stating they would show up to my job or do whatever it took to get me to respond. Also wished me luck if I didnt get back to them in a timely manner. This company agreed to having my mother and step fathers number in there records and I asked them to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AZ

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 furnishers, 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.

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 2025-03-10 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: PNC Bank N.A.
State: CA

Complaint narrative:
A problem with the auto-payment system resulted in a late payment of {$26.00} in XX/XX/XXXX, which was reported to my credit report. I disputed it, as I believe the late payment was caused by an issue with the PNC auto-payment system. 

However, the bank 's response merely confirmed the accuracy of the report and failed to investigate or address the problem with the auto-payment system, which was the basis of my dispute. 

I will attach XXXX screenshots from XX/XX/XXXX, XXXX years after the issue and late payment occurred, which show that the problem with my account has not been resolved until the date. I have raised the issue multiple times with customer service, but the bank has failed to fix the problem and remove the incorrect checking account which has not been added to my external accounts list from the auto-payment setup until the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX  XXXX PA XXXX Subject : Request for Removal of Inaccurrate Late Payments Information Dear Transunion, I am writing to dispute the following inaccurate information on my credit report. The details of the account in question are as follows : Account Name XXXX XXXX Account Number : XXXX Account Status tab states account was paid closed XXXX  days past due and does not match with reported monthly on time payments. 

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1666B, I am entitled to have accurate information on my credit report. The late payment status reported for this account is incorrect. This account has always been paid in full and on time.

I have never been late on this account and I request that the inaccurate late payment information be removed from my credit report immediately. Transunion will provide you with an updated credit report along with this dispute that supports my claim. 

Please investigate this matter and update my credit report to reflect the accurate status of this account as " Paid in full, Never Late. '' Kindly send me a confirmation once this information has been corrected. 

Thank You for your prompt attention to this matter. 

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