vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX ACCOUNT ENDING IN " XXXX '' To : XXXX XXXX XXXX XXXX Attn : Credit Reporting/Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX RE : NOTICE OF INTENT TO PURSUE LEGAL ACTION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern, This letter serves as a formal notice of your violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) due to your inaccurate and damaging credit reporting practices. Specifically, XXXX XXXX XXXX XXXX has erroneously reported my XX/XX/XXXX auto loan payment as XXXX late to the major credit reporting agencies, despite this payment not being delinquent. 
On XX/XX/XXXX, I contacted your XXXX XXXX Department and spoke with a representative identified as XXXX or XXXX. During our conversation, I was assured that your records do not show the XX/XX/XXXX payment as 30-days late. I was also informed that upon providing proof of the erroneous reporting, corrective action would be taken. I promptly provided documentation from the credit bureaus reflecting the false late payment via email on the same day. 
Despite this, your institution has failed to correct the inaccuracy. This false reporting has had a direct and adverse impact on my creditworthiness, including denial of credit card applications and refinancing optionseffectively interfering with my ability to secure better loan terms and interest rates. 
It is my belief that this false reporting is not only negligent but also intentional, with the aim of preventing me from refinancing my auto loan with another lender at more favorable terms, which is a direct violation of my rights under the FCRA. 
You have 30 days from the date of this letter to : Remove the inaccurate late payment for XX/XX/XXXX from all credit reporting agencies. 

Provide written confirmation of the correction. 

Cease and desist from reporting this payment as delinquent in the future. 

Failure to take immediate corrective action will result in legal proceedings against XXXX XXXX XXXX XXXX, where I will seek all available remedies including but not limited to actual damages, statutory damages, attorneys fees, and punitive damages as permitted under the FCRA. 

This letter is sent in good faith to give your institution an opportunity to rectify this matter before further legal action is initiated. Please govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 XXXX ACCOUNT ENDING IN " XXXX '' To : XXXX XXXX XXXX XXXX Attn : Credit Reporting/Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX RE : NOTICE OF INTENT TO PURSUE LEGAL ACTION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern, This letter serves as a formal notice of your violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) due to your inaccurate and damaging credit reporting practices. Specifically, XXXX XXXX XXXX XXXX has erroneously reported my XX/XX/XXXX auto loan payment as XXXX late to the major credit reporting agencies, despite this payment not being delinquent. 
On XX/XX/XXXX, I contacted your XXXX XXXX Department and spoke with a representative identified as XXXX or XXXX. During our conversation, I was assured that your records do not show the XX/XX/XXXX payment as 30-days late. I was also informed that upon providing proof of the erroneous reporting, corrective action would be taken. I promptly provided documentation from the credit bureaus reflecting the false late payment via email on the same day. 
Despite this, your institution has failed to correct the inaccuracy. This false reporting has had a direct and adverse impact on my creditworthiness, including denial of credit card applications and refinancing optionseffectively interfering with my ability to secure better loan terms and interest rates. 
It is my belief that this false reporting is not only negligent but also intentional, with the aim of preventing me from refinancing my auto loan with another lender at more favorable terms, which is a direct violation of my rights under the FCRA. 
You have 30 days from the date of this letter to : Remove the inaccurate late payment for XX/XX/XXXX from all credit reporting agencies. 

Provide written confirmation of the correction. 

Cease and desist from reporting this payment as delinquent in the future. 

Failure to take immediate corrective action will result in legal proceedings against XXXX XXXX XXXX XXXX, where I will seek all available remedies including but not limited to actual damages, statutory damages, attorneys fees, and punitive damages as permitted under the FCRA. 

This letter is sent in good faith to give your institution an opportunity to rectify this matter before further legal action is initiated. Please govern yourselves accordingly. 
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 explanation
Consumer complaint received 2025-04-30 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: PA

Complaint narrative:
My Discover credit card account was closed around XX/XX/2024. In early XX/XX/2024, I received a phone call from someone claiming to represent Discover regarding a balance due on the account. My mother let me user her debit card to make a payment on my behalf at that time, and I was led to believe the account was settled. Recently, I began receiving messages from Discover stating that the account is being charged off and the balance is now more than three times the original amount due to interest and fees. When I contacted Discover, I was told there is no record of a XXXX payment and that nothing could be done. Unfortunately, I am no longer in contact with my mother and do not have access to the payment confirmation. I now believe I may have been scammed by someone pretending to represent Discover. I am seeking a thorough investigation into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In the spring time of XXXX i took my XXXXXXXX XXXX XXXX to trade in at XXXX XXXX XXXX XXXX florida. I was persuaded to trade in my vehicle right then and there because i was told that they had already started the process and that it would affect me negatively if i didnt continue with it. I traded it in the car for a XXXX XXXX XXXX which they said the car would go towards my new balance and give me credit. Everything was rushed and not explained correctly. I was never given credit for the car that i turned in. I called them to ask for paperwork and they never gave me anything. Capital one auto finance is the bank they set me up with. When i asked them questions about the trade in and the credit towards the balance they didnt know what i was talking about. I didnt feel right to continue to pay on something i wasnt getting any answers or explanations on. The interest rate was really high and when i asked if they could bring that down they said no. I felt so helpless and didnt know what to do for a long time so i voluntarily surrendered the vehicle in XXXX of XXXX. They sold the vehicle and still continued to charge me for it. They also tried to file an insurance claim for minor wear and tear to which my insurance company declined their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 recently noticed some incorrect items on my credit report. This is hurting my ability to get credit. Please review this account.

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 2025-04-30 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: IL

Complaint narrative:
These companies are reinserting accounts that was once removed without proper notification. This is a violation of my rights as a consumer. I'm not understanding why they're keep violating my rights. The account is also reporting as a chargeoff with a PAST DUE balance, even though it was closed in XXXX of XXXX and the second account was closed XX/XX/XXXX. Both accounts have been removed and reinserted. There was no reinvestigation as well. This is another failure of your duties under FCRA. I demand these account be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX regarding their failure to remove an account from my credit report, as they had agreed. 

The account in question begins with XXXX. XXXX XXXX and I reached a resolution in which I agreed to, and did, pay the account in full. As part of this agreement, XXXX XXXX committed to removing the account from all three major credit reporting agencies ( XXXX, Experian, and XXXX  ) XXXX Despite fulfilling my end of the agreement, this account remains on my credit report, which constitutes a clear violation of our arrangement. 

I have attempted to contact XXXX XXXX multiple times to request that they honor the agreement and remove the tradeline, but they have failed to do so. Their continued reporting of this account is inaccurate, misleading, and harmful to my credit standing.

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 2025-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted Freedom Mortage to inform them I was selling my home and the buyers were assuming my loan. They sent me the paperwork for an Assumption and it was returned the same day. On XX/XX/XXXX i called them to get the next steps. They said the buyers need to call them for a phone interview. When the buyers called back they scheduled them for a phone interview on their first available date of XX/XX/XXXX ( 14 days wasted in the process ). The buyers submitted all of their paperwork on XX/XX/XXXX and we were told they were in line to be assigned a loan XXXX and then their paperwork would take XXXX days to be assigned then XXXX days to be reviewed. I called XXXX separate times and members of the assumption team kept telling me they were waiting on documents. After I informed them they have the documents they said ohh yeah its been assigned to a loan processor. I asked for their phone number and email. I called and was unable to reach the loan processor and had to talk to the assumptions team where they said she was unavailable. On XX/XX/XXXX. I was able to get a hold of a customer service member who reached her through their internal messaging system and they said she would reply by email. She responded saying we would not be able to close on the sale on XX/XX/XXXX like is in our contract. she said she was just assigned and will review the documents by the end of the week. There is a XXXX  day deadline on assumptions set by the XXXX XXXX and she is saying it will take XXXX days from the time it was assigned to her. They wasted 14 days by refusing to allow the borrows to apply before a phone interview and wasted XXXX  days assigning it to a loan processor. They are purposely delaying the process even though it is an entitlement for both the buyers and myself that we have earned through our military service. Their delays in processing have put my contract on the purchase of my next home due to PCS orders in jeopardy and no one in the company seems to have any information on status or any urgency to correct their mistakes.

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 2025-04-29 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: 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 XXXX 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 non-monetary relief