vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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:
According to the Fair Credit Reporting Act ( FCRA ) SECTION 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
I WANT REPORTED ACCOUNTS REMOVED. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This company made a 30 day late payment report to my creditors and I wasnt 30 days late this is false information Also In accordance to the fair credit reporting act this creditor violated my rights 15 usc 1666b states a creditor may not treat a payment on a credit card account under end consumer credit plan as late for ANY purpose unless the information in section 1637b was mailed to the consumer no later than 21 days 15 usc 1681 section 602 states I have the right to privacy and in 1681 604 a section 2 it states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to XXXX XXXX XXXX  Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the XXXX XXXX XXXX XXXX This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the XXXX XXXX XXXX 

Accounts in Dispute : XXXX  XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

# # # Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to XXXX XXXX XXXX  Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the XXXX XXXX XXXX XXXX This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the XXXX XXXX XXXX 

Accounts in Dispute : XXXX  XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

# # # Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

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 2025-03-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone XXXX DL XXXX SSN XXXX Email XXXX Im not going to site FCRA codes as I believe the XXXX XXXXXXXX as well as the credit bureaus can understand that there was a misunderstanding when the card changed over from XXXX XXXX XXXX XXXX and there was confusing that this card even existed anymore being Somehow the notification were missed that the company has switched from being one company to another is how the 60 days late accrued! Just asking that the company give a pass on these late charger and remove them. I hope a person reads this and its not done by AI so its more heart felt. The account is : XXXX XXXXXXXX Acct number : XXXX Date opened : XX/XX/year> Amount : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone XXXX DL XXXX SSN XXXX Email XXXX Im not going to site FCRA codes as I believe the XXXX XXXXXXXX as well as the credit bureaus can understand that there was a misunderstanding when the card changed over from XXXX XXXX XXXX XXXX and there was confusing that this card even existed anymore being Somehow the notification were missed that the company has switched from being one company to another is how the 60 days late accrued! Just asking that the company give a pass on these late charger and remove them. I hope a person reads this and its not done by AI so its more heart felt. The account is : XXXX XXXXXXXX Acct number : XXXX Date opened : XX/XX/year> Amount : {$200.00}

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 2025-03-23 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: VA

Complaint narrative:
I want hard inquiries deleted off my transunion credit report. I did not give anyone permissible purpose to run my credit reports, can you be so kind to remove them from credit report. EVERY INQUIRY THAT IS NOT TIED TO AN ACCOUNT WAS NOT AUTHORIZED BY ME, I DID NOT SIGN FOR THEM! 

XXXXXXXX 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 2025-03-23 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:
XXXXansUnion, Equifax and Experian has failed to fulfill is legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation 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 TransUnion, Equifax and 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 TransUnion, Equifax and Experian has neither corrected nor removed disputed accounts, as their 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 2025-03-23 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: NV

Complaint narrative:
Ive just received a copy of my credit report and was made aware of several inaccuracies and unauthorized accounts/information reporting to my credit report. This has been detrimental to my life and credit health

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 2025-03-23 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: TX

Complaint narrative:
I am submitting this complaint regarding Experian 's inaccurate reporting of my credit history, specifically related to late payments that were reported incorrectly on my credit report. 

The company responsible for reporting my account information to the credit bureau has made a major mistake regarding inaccurate information of late payments on my XXXX XXXX payment history, Im disputing this information for XXXX. I have attached documents that show the company has provided inaccurate information. Therefore the credit agency has failed to properly verify the information provided resulting in negative information being on my credit.

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 2025-03-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
I was the victim of identity, theft, and due to the identity theft the fraudulent activity on my credit report has caused hard times for me and my family. 

I have attempted to fix the fraudulent credit inquiries in my credit with no help. I have filed a police report a Federal Trade Commission affidavit of identity theft, I have provided proof of address, proof of identity to EquifaxExperian and Trans Union along with my FTC affidavit I have also requested an investigation into these fraudulent items.

I have disputed these fraudulent inquiries with Equifax, Trans Union and Experian, and all 3 do not investigate the fraudulent inquiries even when I submit proper documentation.. My request are always ignored even after I gave them proper documentation. This is my final attempt to get these items removed from my credit report before I seek an attorney and sue them I fill these credit bureaus do not care about the consumer and conduct Sham investigations. 

Credit inquiery XXXX XXXX, 2024 XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, WI XXXX my dispute is with Experian, Trans Union and Equifax, who has ignored my disputes, even though I have given them copies of required documentation to dispute these unauthorized fraudulent credit inquiries federal law requires that they act in accordance with the federal law concerning fraudulent activity!

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 2025-03-23 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: MS

Complaint narrative:
I was the victim of identity, theft, and due to the identity theft the fraudulent activity on my credit report has caused hard times for me and my family. 

I have attempted to fix the fraudulent credit inquiries in my credit with no help. I have filed a police report a Federal Trade Commission affidavit of identity theft, I have provided proof of address, proof of identity to EquifaxExperian and Trans Union along with my FTC affidavit I have also requested an investigation into these fraudulent items.

I have disputed these fraudulent inquiries with Equifax, Trans Union and Experian, and all 3 do not investigate the fraudulent inquiries even when I submit proper documentation.. My request are always ignored even after I gave them proper documentation. This is my final attempt to get these items removed from my credit report before I seek an attorney and sue them I fill these credit bureaus do not care about the consumer and conduct Sham investigations. 

Credit inquiery XXXX XXXX, 2024 XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, WI XXXX my dispute is with Experian, Trans Union and Equifax, who has ignored my disputes, even though I have given them copies of required documentation to dispute these unauthorized fraudulent credit inquiries federal law requires that they act in accordance with the federal law concerning fraudulent activity!

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 2025-03-23 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: OH

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
on XX/XX/year> XXXX XXXX XXXX purchased a money order from western union of XXXX then i wrote it out and signed it to legends oaks gated apartments XXXX XXXX XXXX XXXX XXXX XXXX. money order stolen from rent box on XX/XX/XXXX it was cashed by XXXX XXXX XXXX and XXXX XXXX. i wasnt able to pay my rent again and had to move which left me homeless. i have all the receipts from original money order and still to this day western union has not refunded my money after it was fraudulently cashed by these two people by XXXXXXXX XXXX i only want my money back and for the persons who cashed it prosecuted. i also made a police report i will never use western union again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

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 2025-03-23 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:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigati be verified or re removal or corrected.

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