vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Equifax keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692 , 15 USC 1692c , and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

1. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, 2. ) XXXX  [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity 3. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY 4. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY 5. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, 6. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( 7 ), and more : XXXX XXXX XXXXXXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
I was a victim of identity theft, and part of the equifax data breach. During credit monitoring I was told that I experienced over XXXX data breaches and my I information have been leaked or compromised. I tried to freeE my credit but was unsuccessful. I reached out to all three credit bureaus but they have not updated my records nor froze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. LEND BUZZ never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Account with BECU  was opened with promotion code " XXXX '' attached on XX/XX/year> with an opening deposit of {$XXXX}. 

Terms of the promotion were as follows : " Passport members may be eligible to receive a {$XXXX} bonus for opening both a savings account and a checking account and meeting our simple transaction requirements.4 Transaction Requirements:5 Option A : Complete XXXX or more qualifying actions from this list : Make a purchase using your BECU  debit XXXX. 
Write a check or electronic check. 
Option B : XXXX {$XXXX} or more into your checking account. '' The initial deposit fulfilled the requirements of the promotion, but XXXX  days past the time of account opening, the funds were not deposited. 

I then called Customer Service Representatives twice to get the issue resolved. The issue was escalated but despite the requirements being fulfilled, BECU refused to honor the promotional terms and deposit the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I don't recognise the following inquiries or account ( s ) : XXXX XXXX- never opened by me. Inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and have been disputing these account and inquiries for quite some time with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NM

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently came across the XXXX lawsuit against Experian and believe I was directly harmed by their deceptive practices. Despite repeatedly submitting my drivers license, Social Security card, and a utility bill to verify my identity, Experian kept stalling, claiming they couldnt verify me. Meanwhile, they fraudulently verified disputed accounts without providing any proof, severely damaging my credit. 

I have received multiple denials of credit based on Experians inaccurate reporting, yet my earlier disputes were dismissed without proper investigation. Their actions violate the Fair Credit Reporting Act ( FCRA ) and mirror the very misconduct highlighted in the XXXX case against them. 

I demand that the CFPB take action against Experian and ensure they : Provide a detailed explanation of how they " verified '' my disputed accounts. 
Produce any documentation used to verify these accounts. Conduct a legitimate reinvestigation as required by law. Permanently remove all inaccurate and unverifiable accounts from my credit report.

Experians fraudulent tactics have caused me financial harm, and I urge the CFPB to hold them accountable. I appreciate your attention to this serious matter and look forward to your 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 2025-02-08 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Texan Credit Corporation
State: TX

Complaint narrative:
I lost my income XXXX to XXXX XXXX check I been serious budget problems struggling, stressed and depressed my body getting worst that I have long term illness and I got covid second time XXXX and XXXX so Texan credit corp never give up keep call me 17 time I want these people leave me alone before get more worse fainting

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 2025-02-08 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:
To Whom It May Concern, I am writing to formally file a complaint against Experian for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting multiple disputes over the past [ specify timeframe ], I have consistently received responses within 24 hours stating that the account in question is accurate, without providing any evidence that a thorough investigation has been conducted.

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that credit reporting agencies conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. Experian 's actions, which involve closing disputes without any substantive review or supporting documentation, fall short of meeting the statutory requirements for a proper investigation. 

Furthermore, I believe that Experian 's actions may also violate the Consumer Financial Protection Act ( CFPA ), specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which the Consumer Financial Protection Bureau ( CFPB ) has reinforced in its recent proceedings regarding inaccurate credit reporting practices. The failure to conduct a reasonable investigation into my disputes, coupled with the lack of transparent evidence of any real investigation, undermines my rights under both the FCRA and CFPA.

I request that Experian provide me with a detailed explanation of the investigation process, including : The methodology used to verify the accuracy of the disputed information.

The specific evidence considered during the investigation.

The reason why my disputes were closed without any meaningful review.

If this issue is not resolved promptly and satisfactorily, I will consider further action, including submitting formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing any additional remedies available under the law.

I expect a response from you within [ reasonable timeframe, e.g., 30 days ], including a clear explanation of how you will resolve this matter in accordance with the FCRA and CFPA. I want reported account to be removed. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX report my information was exposed in a data breach

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
The amount of {$18000.00} seems to be a lot for a car that is XXXX. I am upside down in the loan and the pay off date is XXXX I believe. I had the past due payments added to the end of the loan but the monthly amount of {$420.00} is a lot to pay each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NV

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  hours 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. 1681i, 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 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. 1681i, 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I mark as inaccurate XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: NM

Complaint narrative:
There are multiple inquiries tied to your company on my credit report that I did not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for 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 XXXXXX/XX/XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance Owed : {$990.00}XX/XX/XXXXXXXX Balance Owed : {$0.00}XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/scrub>/2023 XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for 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 XXXXXX/XX/XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance Owed : {$990.00}XX/XX/XXXXXXXX Balance Owed : {$0.00}XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/scrub>/2023 XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this letter to dispute the dismissed XXXX  XXXX bankruptcy that is on my credit report. Under 15U.S.C 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. This XXXX  XXXX bankruptcy, although filed, it was dismissed and I did not move forward with the case. Instead, I chose to pay my debt. However, the XXXX  XXXX bankruptcy continues to report to all three CRAs, which is and has harmed my creditworthiness. This is a demand to have the XXXX  XXXX bankruptcy deleted from my credit report. 
I request that the CFPB intervene to ensure that the XXXX XXXX bankruptcy can be removed from my credit report by the CRAs. Thank you.

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