vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: WI

Complaint narrative:
Subject : Cease and Desist Demand for Failure to Properly Investigate Credit Dispute To Whom It May Concern : This letter is to formally notify you that your agency has failed to comply with your legal obligation to properly investigate and respond to my prior dispute ( s ) regarding inaccurate and/or unverifiable information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a consumer dispute, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, 1681i ( a ) ( 2 ) mandates that you promptly notify the furnisher of the disputed item and provide all relevant information regarding the dispute that you received from me.

Additionally, 15 U.S.C. 1681e ( b ) requires you to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. By continuing to report information that is inaccurate, unverifiable, or improperly investigated, you are willfully and negligently violating these federal statutes.

Despite my prior dispute ( s ), you have : Failed to properly reinvestigate the disputed account ( s ) ; Reinserted or maintained unverifiable or inaccurate data; Failed to delete the inaccurate information within the 30-day window ; Provided no documentation validating the disputed items. 



Therefore, this letter serves as a formal cease and desist demanding that you : 1. Immediately cease reporting any inaccurate, unverifiable, or previously disputed information ; 2. Conduct a proper reinvestigation as mandated by law ; 3. Provide me with documentation verifying the source and accuracy of the disputed information ; 4. Remove all unverifiable or incorrect data from my credit report permanently ; 5. Refrain from further violations of the FCRA or I will be forced to seek legal remedy, including statutory damages, actual damages, and punitive damages as allowed under 15 U.S.C. 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Auto Finance did not consult with me in regards to viewing my credit report and they obtained a copy of my report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
ONEMAIN has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ONEMAIN does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00XXXX XXXX  - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) P.O. Box 27170 Washington , DC 20038 Subject : Complaint Against XXXX XXXX XXXX Unauthorized Collection Reporting & FCRA/FDCPA Violations Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX , a debt buyer currently reporting a collection account to the credit bureaus in a manner I believe violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Details : Original Creditor : XXXX XXXX XXXX. 

Debt Buyer : XXXX XXXX XXXX Account Number : XXXX Balance Reported : {$1000.00} Date of First Delinquency : XX/XX/XXXX Collection Account Opened : XX/XX/XXXX Credit Report Status : Consumer disputes after resolution Current Status : COLLECTION Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX | ( XXXX ) XXXX Legal Issues and Violations : XXXX. FCRA XXXX U.S.C. XXXXi ( a ) : XXXX XXXX is reporting a collection account that I never authorized or validated, and the credit bureau continues to report it despite my formal dispute. Under the law, if the item can not be verified through reasonable investigation, it must be deleted. 

XXXX. FCRA XXXX U.S.C. XXXXg ( a ) ( 1 ) : I have not received documentation proving the source of this account or the chain of custody from the original creditor. I am entitled to full disclosure, and it has not been provided. 

XXXX. FCRA XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) : The debt buyer is reporting information that may be inaccurate or incomplete, which violates their duty not to furnish unverified or misleading data. 

XXXX. FDCPA XXXX U.S.C. XXXXg ( b ) : I disputed the validity of this debt, and under federal law, the collector must cease all collection activity until they provide proper validation. To date, I have received no such proof. 

XXXX. FDCPA XXXX U.S.C. XXXX ( a ) : If the collector contacted me without my consent or during legally restricted times, or continued communication after my written dispute, that would constitute a violation of communication restrictions under this section. 

Requested Relief : I respectfully request the CFPB to : Investigate the conduct of XXXX XXXX XXXX regarding this account. 

Ensure they are in compliance with FCRA and FDCPA regulations. 

Require the credit bureaus to remove the disputed account unless fully validated. 

Impose corrective measures or penalties if violations are confirmed. 

This situation is negatively impacting my credit file, and I believe my rights as a consumer have been violated. I am requesting your assistance in resolving this matter in accordance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I am filing this complaint to formally report Experians repeated failure to remove inaccurate and unverifiable negative items from my credit report, despite my consistent disputes and a court ruling in my favor. 
Details of Complaint : Court Ruling Reference : On XX/XX/year>, the XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX denied Experians XXXX to vacate the judgment ( Case No. XXXX : XXXX XXXX vs. Experian ). The court found that Experian was properly served and failed to respond appropriately, confirming my position. 
XXXX Accounts : Experian continues to report the following negative items despite the evidence : XXXX. Collection Account : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) {$23000.00}, disputed as inaccurate and unverifiable. 
XXXX. Late Payment Accounts : XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX accounts, all now closed but still listed with derogatory marks. 

Consumer Rights Violations : Experian has violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), by failing to conduct a reasonable investigation and correct or delete inaccurate information. 
The court ruling explicitly supports my claims, yet Experian continues to harm my creditworthiness. 
Enclosed Evidence : 1. Court Order Document Denying Experians motion and affirming my claims.

2. Highlighted Experian Credit Report Showing the disputed collection and late payment accounts. 

This complaint is urgent as the continued reporting of these inaccuracies is causing me severe financial and emotional distress. I request the CFPB to intervene and hold Experian accountable for its noncompliance. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: OH

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 non-monetary relief
Consumer complaint received 2025-05-29 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: OH

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 2025-05-29 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX did not consult with me in regards to viewing my credit report and they obtained a copy of my report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I am filing this complaint to formally report TD Auto Finance for their ongoing failure to provide vehicle titles in a timely manner, significantly impacting my ability to register and legally operate my vehicle in my new state of residence. 

In my case, TD Auto Finance has failed to send the necessary title documentation for over a year, despite multiple requests and confirmations that the account is in good standing. This delay has prevented me from transferring my vehicle registration and complying with state DMV requirements, causing unnecessary legal and logistical hardship. 

This is not an isolated incident. A review of public feedback on platforms such as XXXX XXXX reveals a consistent pattern of poor account handling, communication breakdowns, and extended delays in releasing titles. Many customers report the same issue of not receiving proper documentation in a timely fashion, even after loans are paid off or accounts are otherwise eligible for title transfer. 

TD Auto Finances practices appear to reflect a systemic failure in their title processing operations and a disregard for the consumers right to timely and accurate account servicing. This ongoing negligence has created substantial inconvenience, financial stress, and legal uncertainty for affected customers, including myself.

Company response to consumer: Closed with non-monetary relief