vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the XXXX permissible purposes requirements.

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 2025-02-06 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:
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 2025-02-06 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX {$3300.00} DATE OPEN : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company 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 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX U.S. CXXXX  XXXX ( b ) and XXXX U.S. CXXXX XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-06 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX U.S. CXXXX  XXXX ( b ) and XXXX U.S. CXXXX XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-06 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, EXPERIAN responds quickly 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, Experian 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Alos the accounts are as follows DEPT EDUCATION/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
XXXX. XXXX XXXX XXXX : ( {$550.00} ) I disputed this account in XXXX of this year when it first appeared on my credit report, as this account being reported is a direct violation of the recent credit reporting law recently passed regarding reporting of medical debts ( Regulation V ). My dispute came back as meeting FCRA requirements, which is false. The bureau also never showed me any documentation from the debt collector proving that it was accurate. 
XXXX. XXXX XXXX : ( {$10000.00} ) I have attempted to dispute this account with the bureau several times due to multiple violations. XXXX XXXX never verified this debt or showed any proof or sent documentation that it was mine. They also violated XXXX and XXXX in the beginning of 2022 during a phone call with an employee where I was told, even after explaining my financial situation due to XXXX, that if I didn't find ' some way to motivate myself to make these payments ' that I would be subject to wage garnishment/possibly being sued in court, even though it even says directly on their website that they can not. I disputed this account with the bureau several times for these reasons but once again it was listed as meeting requirements even though the bureau never showed any proof or documentation of their investigation. 
XXXX. XXXX XXXX XXXX : ( {$500.00} ) This account has been sold to a different group and resold back to this debt collector. I have disputed this account with the bureau as well. It still comes back as meeting FCRA requirements ( even with the other collections group that had possession at one point ) even though it violates fair practices due to being sold and resold. The bureau never provided any proof or documentation of their investigation or proof that I do in fact owe the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
XXXX. XXXX XXXX XXXX : ( {$550.00} ) I disputed this account in XXXX of this year when it first appeared on my credit report, as this account being reported is a direct violation of the recent credit reporting law recently passed regarding reporting of medical debts ( Regulation V ). My dispute came back as meeting FCRA requirements, which is false. The bureau also never showed me any documentation from the debt collector proving that it was accurate. 
XXXX. XXXX XXXX : ( {$10000.00} ) I have attempted to dispute this account with the bureau several times due to multiple violations. XXXX XXXX never verified this debt or showed any proof or sent documentation that it was mine. They also violated XXXX and XXXX in the beginning of 2022 during a phone call with an employee where I was told, even after explaining my financial situation due to XXXX, that if I didn't find ' some way to motivate myself to make these payments ' that I would be subject to wage garnishment/possibly being sued in court, even though it even says directly on their website that they can not. I disputed this account with the bureau several times for these reasons but once again it was listed as meeting requirements even though the bureau never showed any proof or documentation of their investigation. 
XXXX. XXXX XXXX XXXX : ( {$500.00} ) This account has been sold to a different group and resold back to this debt collector. I have disputed this account with the bureau as well. It still comes back as meeting FCRA requirements ( even with the other collections group that had possession at one point ) even though it violates fair practices due to being sold and resold. The bureau never provided any proof or documentation of their investigation or proof that I do in fact owe the debt.

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 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$160.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$52.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$45.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$77.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX BANK # XXXX XX/XX/XXXX -- {$6700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$41.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$410.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$480.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$160.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$52.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$45.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$77.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX BANK # XXXX XX/XX/XXXX -- {$6700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$41.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$410.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$480.00}

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 non-monetary relief
Consumer complaint received 2025-02-06 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: KY

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated dispute submissions, TransUnion consistently responds within XXXX hours, stating that the account in question is accuratewithout providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes. The rapid response time and lack of supporting evidence strongly suggest that XXXX is not fulfilling this legal obligation. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as demonstrated in the CFPB 's recent administrative proceeding ( File No. XXXX ) against TransUnion for similar violations. Given this pattern of noncompliance, I urge the CFPB to take appropriate action to ensure that TransUnion adheres to federal law and provides consumers with the necessary proof of a reasonable investigation. The disputed account : XXXX XXXX I appreciate your attention to this 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 non-monetary relief
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation