vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am filling a complaint against Transunion for falling to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is highlighted in the CFPB 'S recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. i request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-25 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: TX

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and i am writing this complaint because of an unauthorized credit card inquiry on my report. I was notified on XXXX Experian app about this inquiry and it has dropped my score XXXX points. I did NOT approved nor sign for this inquiry and i am suffering from it. This negative is hurting my profile. I called Experian but i am place on hold with no respect for me. I need help as i am depressed because of this. i did not benefit from this and it is unfair. 

Here is inquiry that is unauthorized XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ASKED CAPITAL ONE IF I PAID OFF THIS ACCOUNT COULD THEY DO A PAY TO DELETE OFF MY CREDIT REPORT, THE PERSON ON THE PHONE FROM CAPITAL ONE ASSURED ME I WOUOLD HAVE ALL INFORMATION RELATING TO THIS ACCOUNT DELETED OFF MY REPORT AS SOON AS THEY RECEIVED PAYMENT, I PAID OFF THE ACCOUNT AND I STILL SEE IT APPEAR ON MY CREDIT REPORT. 

I WOULD LIKE CAPITAL ONE TO LOOK INTO THIS FURTHER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed a few incorrect balances posted on my credit report : XXXX XXXX XXXX XXXX XXXX ending in # XXXX Credit limit {$2500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ending in # XXXX Credit limit {$1500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as
provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please correct the balance for these accounts to {$0.00} on my consumer reports, as this agency is in violation of 15 USC 1681.

Failure to correct the above referenced account balance, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair
Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 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 2025-02-25 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: NJ

Complaint narrative:
I am submitting this formal complaint to dispute inaccuracies in my credit report and to seek compensation from Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further reinforced by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to properly investigate consumer disputes and its improper reinsertion of incorrect information into consumer reports. 

The following discrepancies in my credit report require immediate correction or removal : 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

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 2025-02-25 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
Experian TransUnion and Equifax refused to disclosure the full file of collected information and its sources of that information about the consumer. This is a violation of 15 U.S. Code 1681g. Inaccurate credit score data was shared with lenders, which led to damages. I can not access an accurate or consistent report online violating FCRA 605B ( 15 U.S.C. 1681 c-2. Experian, TransUnion and Equifax conducted inadequate investigations failing to address my request to remove all inconsistent and unfair information on my consumer report violating 15 USC 1681.

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 2025-02-25 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: NV

Complaint narrative:
I have noticed inaccurate information reporting on my credit report. I have sent a few letters regarding this to XXXX. However they have not complied or shown they have started an investigation and i have grown tired of waiting. They continued to send stall letters to prove my identity and to send the corresponding documents, which I did XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: LA

Complaint narrative:
Obtained a credit card from self inc. A company you ca. build credit through and at end you get a check and a credit card offer. I was trying to buy a home so this program helped until I was given the credit card lost my job and could not keep up with payments. I contacted the company to see if I could make payments in hopes to keep the card I was told no. However this is report on my credit report today and this is listed or sold as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX BALANCED {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 : XXXXConfirmation of corrections made to the disputed items. 
XXXX.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me with all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of GEORGIA along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me with an updated copy of my credit report upon completion of your investigation. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me with all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of GEORGIA along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me with an updated copy of my credit report upon completion of your investigation. 
Best Regards, 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 2025-02-25 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: NY

Complaint narrative:
Dear CFPB, I am writing to formally request the immediate removal of an unverifiable account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 
I recently disputed an XXXX XXXX charge-off in the amount of {$8700.00} on my XXXX secondary credit report. After a full investigation, XXXX completed its review on XX/XX/year> and subsequently deleted the account from my report. This deletion confirms that the account in question is unverifiable and should not be reported by any credit reporting agency. 
Legal Basis for My Request 1. 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA mandates that if an item can not be verified, it must be deleted from a consumers credit report. Since XXXX has already determined that this account is unverifiable, your agency must take the same action and remove the account immediately. 
2. 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain maximum possible accuracy in credit reporting. Allowing this unverifiable account to remain violates this requirement. 
3. 15 U.S.C. 1681s-2 ( b ) states that once a consumer disputes an account, the furnisher of information must conduct a reasonable investigation. Since XXXX has already determined that this account can not be verified, any continued reporting by your agency constitutes willful noncompliance with the FCRA. 
Required Action : Deletion Within 30 Days In accordance with 15 U.S.C. 1681i ( a ) ( 1 ), you are required to reinvestigate and remove this unverifiable account within 30 days of receiving this letter. If you fail to do so, I will consider this a willful violation of the FCRA, and I reserve the right to pursue legal action, including filing complaints with the CFPB, the FTC, and seeking civil damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
First of all, I don't know XXXX. I used translation software. Please forgive me if the translation is difficult to understand. In XX/XX/XXXX, I needed money and wanted to cash out a credit card. The staff of XXXX  XXXX XXXX told me that my credit score was too low and I couldn't cash out a credit card. At that time, I began to doubt it because my score was XXXX when I did a credit cash out before. So I began to suspect that my credit was stolen, so I logged into Experian to check my credit report and found that my credit score was only XXXX, so I called up the credit report. I received the credit report and found that there were many accounts, phone numbers and addresses that I didn't recognize that were not opened by me. In the end, it was concluded that XXXX bank credit cards were stolen and affected my credit score. They were XXXX  XXXX with a stolen amount of {$1100.00}, XXXX XXXX, and XXXX XXXX  with a stolen amount of {$2600.00}. Later, a case was filed at the local police station. XXXX XXXX  and XXXX XXXX  have successfully disputed in XXXX. But XXXX XXXX has not been able to dispute it. For so many years, my credit score has been affecting my life. I don't know what to do. In XXXX, the application addresses for the monthly statement process I called up were all addresses I didn't recognize. After I called XXXX XXXX, I had to confirm my personal information before I could access the account, but XXXX has now used my current information. How should I provide the earliest information and materials that were not applied for by me personally?

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