vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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 was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2025-03-26 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Inquiry Regarding XXXX Accounts Under FCRA Guidelines Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of accounts that have been XXXX those that reflect a 100 % discharge. 
would like to reference the Fair Credit Reporting Act ( FCRA ) and its implications on the reporting of such accounts. 

According to the FCRA, specifically under 15 U.S.C. 1681c, a consumer reporting agency may not report any information related to a XXXX case that is more than XXXX XXXX XXXX. Furthermore, under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate or incomplete information in their credit reports.

In my case, I have noticed that certain accounts that were fully XXXX are still being reported as active o. 

misrepresentation is not only inaccurate but also detrimental to my creditworthiness. As per the FCRA guidelines, I believe these accounts should be updated to reflect their XXXX status. 

I kindly request your assistance in ensuring that credit reporting agencies adhere to the FCRA regulations regarding the accurate reporting of XXXX accounts. It is crucial for consumers like myself to have accurate credit reports that reflect our financial history accurately, especially after undergoing the challenging process of XXXX. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed and ensure compliance with the FCRA. 

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 2025-03-26 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Inquiry Regarding XXXX Accounts Under FCRA Guidelines Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of accounts that have been XXXX those that reflect a 100 % discharge. 
would like to reference the Fair Credit Reporting Act ( FCRA ) and its implications on the reporting of such accounts. 

According to the FCRA, specifically under 15 U.S.C. 1681c, a consumer reporting agency may not report any information related to a XXXX case that is more than XXXX XXXX XXXX. Furthermore, under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate or incomplete information in their credit reports. 

In my case, I have noticed that certain accounts that were fully XXXX are still being reported as active o. 

misrepresentation is not only inaccurate but also detrimental to my creditworthiness. As per the FCRA guidelines, I believe these accounts should be updated to reflect their XXXX status. 

I kindly request your assistance in ensuring that credit reporting agencies adhere to the FCRA regulations regarding the accurate reporting of XXXX accounts. It is crucial for consumers like myself to have accurate credit reports that reflect our financial history accurately, especially after undergoing the challenging process of XXXX. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed and ensure compliance with the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Inquiry Regarding XXXX Accounts Under FCRA Guidelines Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of accounts that have been XXXX those that reflect a 100 % discharge. 
would like to reference the Fair Credit Reporting Act ( FCRA ) and its implications on the reporting of such accounts. 

According to the FCRA, specifically under 15 U.S.C. 1681c, a consumer reporting agency may not report any information related to a XXXX  case that is more than XXXX XXXX XXXX. Furthermore, under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate or incomplete information in their credit reports. 

In my case, I have noticed that certain accounts that were fully XXXX are still being reported as active o. 

misrepresentation is not only inaccurate but also detrimental to my creditworthiness. As per the FCRA guidelines, I believe these accounts should be updated to reflect their XXXX status. 

I kindly request your assistance in ensuring that credit reporting agencies adhere to the FCRA regulations regarding the accurate reporting of XXXX accounts. It is crucial for consumers like myself to have accurate credit reports that reflect our financial history accurately, especially after undergoing the challenging process of XXXX. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed and ensure compliance with the FCRA. 

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 2025-03-26 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: WI

Complaint narrative:
The credit bureaus 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 information reporting is all inaccurate the open date of the account, the last reported date, date last active and the date of last payment all of this is wrong information including this is not my account. 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 the credit bureaus has neither corrected nor removed disputed items despite the evidence I I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion, Equifax and Experian 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 2025-03-26 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: Spring Equity LLC
State: MD

Complaint narrative:
On XX/XX/year>, I filed a complaint through CFPB against the company Spring EQ. The complaint was in reference to an unauthorized hard inquiry on my credit report. On XX/XX/year>, Spring EQ responded to my complaint through CFPB, stating the following... 

" to resolve this matter satisfactorily, Spring EQ has initiated a credit inquiry removal with its credit provider. We hope this addresses your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX Spring EQ , LLC ''. 

As of today 's date, XX/XX/year>, this matter still hasn't been rectified. In fact, I received additional correspondence, via mail, which contradicted the above response from Spring EQ.

This company and experience have been completely unprofessional. 

Regards, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
Here is the rewritten text : Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( FCRA ) violations against Experian, LLC ( Experian ) based on the claim that Experian did not conduct a reasonable investigation of disputes of hard inquiries in credit files, or in the alternative, did not remove the disputed hard inquiries from credit files. XXXX XXXX asserts that, after she submitted a dispute to Experian that her credit report was obtained without a permissible purpose, Experian did not contact the company that requested the credit report, nor did it remove the hard inquiry she disputed. Instead, Experian mailed a XXXX XXXX to XXXX XXXX. 
XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX - G Inquiry : XX/XX/XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX Credit Card XXXX. 
( XXXX ) XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$21000.00} In good standing XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + {$3500.00} In good standing XXXX XXXX  Reported : XXXX XXXX, XXXX + {$75000.00} In good standing XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX  XXXX  XXXX Reported : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$11000.00} In good standing XXXX Reported : XXXX XXXX, XXXX + {$12000.00} Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-03-26 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
THIS IS NOT A REQUEST THIS IS A FORMAL DEMAND for the IMMEDIATE removal of fraudulent and inaccurate information on my credit report as mandated under Section 605b of the Fair Credit Reporting Act ( FCRA ). I am also a data breach victim. Please block these accounts! I am demanding the IMMEDIATE REMOVAL of these fraudulent accounts within FOUR ( 4 ) DAYS from the receipt of this letter. Failure to comply will result in swift and aggressive legal action. If you refuse or delay the removal of these accounts, I will escalate this matter without hesitation to the following authorities : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC ) Legal Counsel for Civil and Financial Damages You have been WARNED. Non-compliance will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Capital Core Advisors LLC
State: PA

Complaint narrative:
I had applied for a Forgiveness/Save loan in XX/XX/XXXX. I heard back from a company In XXXX of XXXX called Capitol Core Advisors. They seemed legit because they were able to get into my XXXX account and navigate very smoothly through the system. They explained that I would need to submit certain documents before moving forward with the process. I sent everything they needed but nothing too personal and agreed to a payment plan which involved the first 5 payments at {$180.00} and then {$19.00} for the rest of the term. I received letters from XXXX stating I have not made payments and that my debt would be going to collections. I explained what was going on with Capitol Core Advisors and the lady stated that she has never heard of Capitol Core Advisors and that they are probably a scam. With that I called Capitol Core Advisors and asked them to prove that they were legit and after explaining the incident with XXXX they assured me that they were legit by verifying my application status for the XXXX plan and that I could track my progress through my XXXX  account. At that point they said to not worry about missing XXXX payments as long as I am paying the agreed amounts for the forgiveness plan. I started paying them in XX/XX/XXXX. So, I did that and have not missed a payment. Since calling XXXX I have tried several times to reach back out to Capital Core Advisors to cancel my autopay and no one has reached back out to me. There is nowhere on their portal for me to cancel. I was charged {$19.00} today which is why I reached back out to XXXX to try and figure out what exactly is going on. They assured me Capital Core Advisors is a scam because they do not deal with third party loan advisors. I am now out - {$910.00} because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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