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: 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the inquiries that need to be removed from my file : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: NY

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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within XXXX days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within XXXX days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Accounts that should be removed due to closed or have yeared out, negative etc.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Accounts that should be removed due to closed or have yeared out, negative etc.

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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized or unnecessary credit card inquiries from my credit report. Below, I have outlined the details of the inquiries in question : XXXX. XXXX XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX  XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  ; Inquiry Date : XX/XX/XXXX XXXX. XXXX  XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  ; Inquiry Date : XX/XX/XXXX XXXX. JPMCB  CARD  ; Inquiry Date : XX/XX/XXXX XXXX. JPMCB CARD Inquiry Date : XX/XX/XXXX XXXX. XXXX  XXXX ; Inquiry  Date : XX/XX/XXXX XXXX. XXXX XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX ; Inquiry  Date : XX/XX/XXXX XXXX. XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX ; Inquiry Date : XX/XX/XXXX I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2025-03-06 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: NJ

Complaint narrative:
This has been an ongoing struggle, problem with Experian credit reporting agency as to correctly reporting accurate information on my credit report, directly related to an account with XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXX. After paying off this account, with a XXXX balance update as of XX/XX/XXXX, I then closed this account but somehow, it was sold to XXXX XXXX. Eventually, this account somehow is being mixed up with another persons account information as to balance of {$7600.00}. As seen and noted in my credit report, this original creditor, XXXX XXXX XXXX XXXX with a XXXX balance then was taken over by XXXX XXXX with a balance. This information being reported by XXXX XXXX/ XXXX with same account # XXXX but with a balance of {$7600.00} and seen as written off/ charged off is to be removed immediately. The only XXXX account that should be reported on my Experian credit report is XXXX XXXX XXXX with XXXX # XXXX with a XXXX balance and was closed should be the only account shown and reported. Ive disputed this several times without relief. This is hurting my fico score and this XXXX XXXX report must be removed immediately

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Regarding Improper Charge-Off Reporting Dear CFPB Representative : I am writing to lodge a formal complaint against [ XXXX  and/or XXXX  ] for reporting a Charge-Off XXXX my credit report that appears to be inaccurate, incomplete, or improperly verified. Despite my previous attempts to dispute this entry through the established channels under the Fair Credit Reporting Act ( FCRA ), I have not received a satisfactory resolution. The details of the disputed Charge-Off are as follows : Creditor Name : [ XXXX ] Account Number ( XXXX ) Date of Charge-Off : [ XX/XX/year> ] I believe the reporting of this Charge-Off XXXX violate my rights under the FCRA ( XXXX U.S.C. XXXX ) for the following reasons : XXXX. Inadequate XXXX : The credit bureau and/or creditor has failed to provide sufficient documentation ( e.g., original signed agreements, account statements ) to establish the legitimacy and accuracy of this debt. 
XXXX. Possible Errors in Account XXXX : The balance, dates, or other information related to this XXXX XXXX be incorrect. 
XXXX. Insufficient Notification : I was not adequately informed before this XXXX was reported, and I have not received a comprehensive explanation of how this account was charged off. 

I have already sent a formal dispute letter to [ Credit Bureau and/or XXXX XXXX ] requesting an investigation and verification of this entry. However, they have not provided adequate evidence of the debts validity or removed the XXXX from my report. This lack of action suggests potential non-compliance with the FCRAs requirement to report only accurate and verifiable information. 

Therefore, I request the CFPBs assistance in ensuring that the credit bureau and/or creditor : 1. Thoroughly investigates the legitimacy and accuracy of this XXXX. 
2. Removes or corrects any information that can not be fully substantiated.

3. Provides a written explanation of the actions taken in response to this complaint. 

Enclosed, please find copies of : My prior dispute letter ( XXXX ) sent to [ Credit Bureau and/or XXXX XXXX ]. 
My credit report highlighting the disputed XXXX. 
Any response or documentation ( if provided ) from the credit bureau or creditor. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that my rights as a consumer are upheld and that any incorrect information is removed from my credit report. Should you need any further information or documentation, please feel free to contact me at the address or phone number listed above.

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: NY

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: 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: OH

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXXDEPT OF ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2025-03-06 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: NC

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 605B 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
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: TX

Complaint narrative:
XXXX XXXX XXXX with account XXXX showing XXXX  days late and closed in good standing, several times I've requested a reinvestigation of this account showing XXXX days late and requested the documents pertaining to the investigation showing this account was late. however, I showed proof that this account was paid in full and never late still no response nor have they sent any clarification pertaining to their investigation, still no response all they respond with was this file will remain on my credit report which is a violation of the Fair credit reporting them ignoring my several request, this account also don't show an ending balance which is left blank also tried to discuss this inaccuracy with them still no response been approximately XXXX days still I been trying to dispute this inaccurate could u please assist me with this issue 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: EQUIFAX, INC.
State: MD

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 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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies that are negatively impacting my ability to obtain credit. I understand that credit bureaus are required to investigate and ensure the accuracy of the information they report. 
also credit profile is not updated Under 15 U.S.C. 1681i, credit bureaus are required to investigate and correct any inaccurate or incomplete information within 30 days ( past still not updated. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain the maximum possible accuracy in reporting data. If the disputed information can not be verified, it must be promptly removed from my file. I also request a 1099 form as proof of validation.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my XXXX attempt to Experian for them to provide me with the XXXX XXXX  XXXX for this account and to date, they have failed and I am requesting it be removed immediately from my credit profile.

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