vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. 


Timeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. 

XXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. 

XXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. 

XXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. 

XX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. 

Key Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. 

Formal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. 

Phone calls made to credit bureaus requesting updates and thorough reinvestigation. 

Responses received were generic, with no evidence of a complete investigation into the disputed items. 

Request for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. 


Timeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. 

XXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. 

XXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. 

XXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. 

XX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. 

Key Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. 

Formal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. 

Phone calls made to credit bureaus requesting updates and thorough reinvestigation. 

Responses received were generic, with no evidence of a complete investigation into the disputed items. 

Request for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.

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 2025-02-26 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: Experian Information Solutions Inc.
State: FL

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. Despite my submission of clear and compelling evidence demonstrating the inaccuracy or unverifiability of certain accounts, Experian has neither corrected nor removed the disputed items. This failure has resulted in ongoing harm to my credit standing, directly violating my rights as a consumer under federal law. 

Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic failures in its dispute-handling process, including its failure to forward consumer-provided evidence to furnishers, its acceptance of unreliable responses from data furnishers, and its inadequate notification to consumers regarding dispute outcomes. These allegations align with my personal experience, as Experian has disregarded the evidence I provided and failed to conduct a reasonable reinvestigation as required under the FCRA. 

Given these serious legal and regulatory concerns, I am formally requesting immediate corrective action to remove the disputed accounts in compliance with federal law.

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 2025-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX  Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent Items Due to Equifax Data Breach To Whom It May Concern, I am submitting this complaint as a victim of the Equifax data breach, which compromised my personal information and has resulted in fraudulent activity on my credit report. Pursuant to 15 U.S.C. XXXX ( a ), I am exercising my right to request the immediate blocking and removal of all fraudulent items associated with this breach. 



Under this statute, consumer reporting agencies are required to block and delete any information resulting from identity theft upon receiving notice from the consumer. I demand that all fraudulent accounts, inquiries, and any other unauthorized activity be permanently removed from my credit file without delay. 



Attached, you will find any relevant documentation supporting my claim. Please confirm receipt of this request and provide a written response regarding the corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( XXXX ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. XXXX ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
Today, XXXXXX/XX/year>, I tried to create a recurring transfer/payment for my mortgage account with Idaho Central Credit Union ( ICCU ), which is based in Idaho. We recently had our mortgage change, due to increases in taxes and hazard insurance, from {$1700.00} per month to {$1800.00} per month. My wife and I thought it'd be a good idea to split our payment equally twice per month, such that two partial payments would meet the sum of the monthly obligation via escrow payment that our mortgage with ICCU requires. However, their online payment system, as well as via their customer service department over the phone, have informed me that they do not accept partial mortgage payments. I've recently gathered that while this isn't illegal, many mortgage competitors DO allow for partial payments, which, in fact, significantly reduce mortgage interest over the course of the loan. I feel it's an injustice that my wife and I were not informed of this explicitly during the origination, nor at the start of servicing/time of signing in preparation for closing. If this information was in our Deed of Trust, it was not made explicitly clear at any time during the origination nor servicing process until I asked. Knowing this information may have influenced my wife and I 's mortgage decision at the time we were consulting mortgage loan providers. I feel that this should be a drastic legal change, as debtors should absolutely allow borrowers to make partial payments so long as the sum owed is due in the timeframe owed. This is predatory behavior, and needs to be either XXXX explicitly disclosed with all mortgage loan applicants/consumers, or XXXX made illegal entirely. With mortgages being increasingly difficult to obtain and increasingly expensive to hopeful homeowners, and with housing being an absolute necessity, not allowing borrowers the opportunity ( ies ) to made advance partial payments is egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MI

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per XXXX XXXX, I am formally requesting their removal within the next XXXX days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

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 XXXXB 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 explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-26 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am writing to request the method of verification used to determine the accuracy of the disputed information on my credit report. 

Previously, I informed your agency through CFPB Complaint # XXXX on, XX/XX/XXXX that the account in question XXXX XXXX  XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX XXXX BANK ( XXXX ) XXXX XXXX XX/XX/XXXX, is inaccurate. However, your response indicated that the information was " verified. '' As such, I am now requesting clarification on the specific method used to verify the accuracy of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
I received a notice from Blitt & Gaines PC, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, IL XXXX alleging I owe a debt to XXXX XXXX XXXX in the amount of {$5800.00}. I disputed this debt and requested documentation from them. They sent me a statement showing dates : XX/XX/XXXX - XX/XX/XXXX with a balance of {$5600.00} addressed to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is unknown to me. Furthermore, there is an additional cardholder listed on the statement which is also unknown to me. I continued to dispute their efforts to collect this alleged debt. The matter was brought to hearing before the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I again disputed this debt to the XXXX advising I have been a victim of identity fraud/theft. The XXXX said he would review the case and render his verdict. I heard nothing further regarding the matter. I then receive an email from my employer on XX/XX/XXXX advising me that a garnishment order hearing has been set for XX/XX/XXXX. I was never served such notice, which is a violation of my rights under due process. I mailed the Court an appeal notice requesting a hearing immediately. I have tried to resolve this matter myself, but my efforts clearly are not working. I believe Blitt & Gaines PC to be in violation of many regulatory laws & statutes.

Company response to consumer: Closed with explanation