vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
NOTICE TO CEASE AND DESIST OF REPORTING UNAUTHORIZED NAMES FRAUDULENT NAMES & ADDRESSES THAT ARE FRAUD YOUR PLATFORM HAS AND CAN SUBJECTED ME TO IDENTITY THEFT DELETE IMMEDIATELY FOLLOW THE LAW TITLE XXXX PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEFENDANTS : DUNS # XXXX BONDED FOR SUIT FRAUD VIOLATION USC 1681a 1681G MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX CERTIFIED MAIL/RETURN REQUEST CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX READS : XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS READS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MY XXXX READS : XX/XX/year> MY SSN LAST XXXX READS : XXXX My First & Last MIDDLE Name are as follows XXXX XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last Name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current CORRECT AND ONLY address FOR THE LAST 18 YEARS is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EQUIFAX TRANSUNION EXPERIAN YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER YOUR CO WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORMS! FIRMLY, XXXX XXXX XXXX XXXX Beneficiary of account/ESTATE XXXX XXXX XXXX not the trustee UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE ALL RIGHTS RESERVE DELETE ANY FRAUD NAMES AND ADDRESSES THATS NOT MATCHING MY CORRECT DOCUMENTS IVE SUBMITTED AS PROOF AND DONT SAY THOSE FRAUD NAMES AND ADDRESSES ARE CONNECTED TO AND ACCOUNTS ITS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
NOTICE TO CEASE AND DESIST OF REPORTING UNAUTHORIZED NAMES FRAUDULENT NAMES & ADDRESSES THAT ARE FRAUD YOUR PLATFORM HAS AND CAN SUBJECTED ME TO IDENTITY THEFT DELETE IMMEDIATELY FOLLOW THE LAW TITLE XXXX PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEFENDANTS : DUNS # XXXX BONDED FOR SUIT FRAUD VIOLATION USC 1681a 1681G MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX CERTIFIED MAIL/RETURN REQUEST CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX READS : XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS READS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MY XXXX READS : XX/XX/year> MY SSN LAST XXXX READS : XXXX My First & Last MIDDLE Name are as follows XXXX XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last Name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current CORRECT AND ONLY address FOR THE LAST 18 YEARS is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EQUIFAX TRANSUNION EXPERIAN YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER YOUR CO WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORMS! FIRMLY, XXXX XXXX XXXX XXXX Beneficiary of account/ESTATE XXXX XXXX XXXX not the trustee UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE ALL RIGHTS RESERVE DELETE ANY FRAUD NAMES AND ADDRESSES THATS NOT MATCHING MY CORRECT DOCUMENTS IVE SUBMITTED AS PROOF AND DONT SAY THOSE FRAUD NAMES AND ADDRESSES ARE CONNECTED TO AND ACCOUNTS ITS FRAUD

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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 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 2025-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
I set up auto-pay with LoanCare around XX/XX/XXXX after my mortgage was sold they changed their system. I had been paying manually each month, set up auto-pay and it failed to charge me in XX/XX/XXXX. I had no idea this was delinquent until I saw a ding on my credit report. I called loancare in XXXX XXXX to re-establish auto pay, as calling was the only payment option offered. To this day, I am unable to access my mortgage through a web browser via a computer. The agent confirmed that auto-pay would be set up and stated it would initiate until the following month. I was not informed of any missed payments between XXXX. No emails, letters, or account statements were sent to notify me that a payment was due. It has resulted in a derogatory mark that caused my XXXX XXXX to drop significantly. I received the mark before I received any communication about a delinquent payment. This has prevented me from refinancing my mortgage at a lower rate. I am now stuck with LoanCare, and they appear to be incentivized to report poorly. I am seeking to have the missed payment status removed from my credit report and for LoanCare to improve their communication process and backend to prevent similar issues in the future.

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 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/year>, I signed a Retail Installment Agreement for a 2024 XXXX XXXX with Ally Financial. I properly endorsed the agreement as " Without Recourse By : ( Name ) AR. '' Ally Financial failed to properly process my endorsement, which should have XXXX the obligation per UCC Article XXXX ( Negotiable Instruments ). 

Despite this, Ally Financial : Falsely reported my account as 30 days late without prior notice. 
Continued collection efforts without validating the alleged debt in violation of federal laws. 
Used my personal information to claim a debt that does not legally exist, constituting identity theft. 
Federal Law Violations : XXXX. Identity Theft & Misuse of XXXX XXXX Ally Financial has reported a debt that does not exist under a valid contract, which constitutes fraudulent use of my identity. 

FCRA ( 15 U.S.C. 1681c-2 ) Reporting inaccurate and fraudulent account information under my credit file.

Identity Theft ( 18 U.S.C. 1028 ) Using my personally identifiable information ( PII ) without a valid contractual basis.

FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ) ) Misrepresenting the legal status of an alleged debt.

2. Debt Validation & Billing Error Violations FDCPA 1692g ( b ) ( 15 U.S.C. 1692g ) Ally Financial continued collection efforts and negative reporting despite not validating the debt.

FCBA ( 15 U.S.C. 1666 ( e ) ) Reporting my account delinquent while the debt was in dispute.

FCRA 623 ( 15 U.S.C. 1681s-2 ( a ) ) Furnishing inaccurate and misleading information to credit reporting agencies.

Regulation B ( 12 CFR 1002.9 ) Failure to provide an adverse action notice before damaging my credit.

Damages & Fee Schedule Ally Financial is liable for the following damages : {$1000.00} per violation of FCRA ( 15 U.S.C. 1681n & 1681o ) {$1000.00} per violation of FDCPA ( 15 U.S.C. 1692k ) {$2500.00} per instance of willful misreporting affecting my financial standing {$5000.00} for failure to properly process my negotiable instrument {$10000.00} per violation of FCBA ( 15 U.S.C. 1666 ( e ) ) for reporting delinquency while the account was in dispute {$25000.00} per occurrence of identity theft ( 18 U.S.C. 1028 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-06 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: HI

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-06 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: CA

Complaint narrative:
My account with EQUIFAX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX  days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
XXXX business partner used my name to take out high interest loan ( 14 % on my home property ) via internet. Signatures and Initials are forged on application and other docs. He gave untrue answers on financial questions on the application form. They are about my foreclosure, bankruptcy and a lawsuit caused the bankruptcy. They were all caused by him. ( Now I realized the loan was his way to silent me as I discovered him purposely causing my foreclosure, its under XXXX and Secretary of State investigation. There are more criminal details in loan than I can summarize for now. ) The application was emailed within days as my bankruptcy processed and lawsuit dismissal. I told lender ( XXXX XXXX ) it was impossible to approve any loan on me under those facts. They denied their accountability and rejected my loan removal request. 

It was filed as a forgery case with XXXX. Case # XXXX, commercial real estate dept. 
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. He already delinquent once as a warning. I am not sure what kind of loan is this. It needs to be removed as soon as possible. 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 explanation
Consumer complaint received 2025-03-06 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: VA

Complaint narrative:
Greetings, I am writing to officially dispute inaccurate information on my credit report that I understand 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 : 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.

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