vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : 1. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 

2. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me.

3. The presence of these inaccuracies has negatively affected my credit score and overall financial standing.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : 1. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 

2. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 

3. The presence of these inaccuracies has negatively affected my credit score and overall financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 






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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: MI

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 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am writing to file a complaint regarding an unfulfilled promotional offer from Citibank related to my Citi XXXX XXXX XXXX Account, which I opened on XX/XX/XXXX. The account was opened under a promotional offer stating that I would receive XXXX XXXX  miles upon meeting specific conditions. 

As per the terms of the promotion, I deposited {$10000.00} into the account and maintained the required balance for 60 days, completing the terms of the offer by XX/XX/XXXX. According to the promotional agreement, the bonus miles were to be credited to my account by XX/XX/XXXX. However, as of today, the bonus miles have not been credited to my account. 

I have made multiple attempts to resolve this issue directly with Citibank, but the matter remains unresolved. I believe this delay violates the terms of the promotional offer and has caused me undue inconvenience. 

I request your assistance in resolving this matter and ensuring that Citibank fulfills the promised bonus miles as per the agreed terms. I am happy to provide any additional documentation or information required to support my complaint. 

Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-01-27 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: 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, 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 2025-01-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report as permitted under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Additionally, I am asserting my rights under the Consumer Financial Protection Act ( CFPA ) to ensure fair treatment and compliance with federal law. 
The information below is incorrect, and I request that it be investigated and either corrected or removed promptly : Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Account Name or Creditor XXXX XXXX XXXX XXXX  Account Number ( if applicable ) : XXXX Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX  Account Number ( if applicable ) : XXXX Account Name or Creditor : XXXX XXXX  Account Number ( if applicable ) : 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This school is not accredited and is not recognized with the better business bureau. I graduated this school in XXXX  and I was never able to get a job with the certificate acquired from this school because the company is fraudulent. I do not feel like I should be responsible for repaying this loan. I tried to reach out to trans union, XXXX and XXXX regarding the situation and their response to it was that the loans were verified and that I would need to continue being responsible for the loan. I do not believe that these companies did enough research into the school or the loans so now I am reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
Nothing wasnt done in a timely manner didnt do a investigation and didnt follow through with the steps of the investigation

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 2025-01-26 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: AR

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report I am writing to formally dispute the following hard inquiries listed on my TransUnion credit report. I believe these inquiries are either inaccurate or unauthorized, and I request that they be investigated and removed. 
Details of the Disputed Inquiries : Inquiry from : XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXXXXXX  Reason for Dispute : I did not authorize this inquiry or apply for credit with Flat Branch. 
Inquiry from : XXXX XXXX XXXX ( Bank ) Date of Inquiry : XX/XX/XXXXXXXX  Reason for Dispute : I did not apply for credit or a loan with XXXX XXXX XXXX. 
Inquiry from : XXXX XXXX ( Auto ) Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : I did not apply for financing with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Auto ) Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : I did not apply for financing with XXXX XXXX. 
Inquiry from : XXXX XXXX XXXX ( Bank ) Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX XXXX. 
Inquiry from : XXXX XXXX ( Auto ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Bank ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not apply for credit with XXXX XXXX. 
Inquiry from XXXX XXXX XXXX ( Auto ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with Car World. 
Inquiry from : XXXX ( Finance ) Date of Inquiry : XX/XX/XXXXXXXX  Reason for Dispute : I did not apply for credit or services with XXXX 
I request that you thoroughly investigate these inquiries and remove any that are found to be inaccurate or unauthorized. These inquiries are negatively impacting my credit score, and I ask that they be removed from my credit report in accordance with the Fair Credit Reporting Act. 
If you require any further information or documentation to process this dispute, please let me know. I appreciate your attention to this matter and look forward to a resolution. 
Sincerely, XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear Credit Reporting Agency ( s ), I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). 
The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. 
Without this evidence, the creditor can not lawfully report a payment as late. 
Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 
In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX Account # XXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, 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 2025-01-27 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: LEXISNEXIS
State: AL

Complaint narrative:
I have been trying to dispute incorrect and /or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding an inaccuracy in my credit report. Despite my submitting the dispute, Equifax constantly responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them. For these similar violations, I request that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigations. 

here are some of the account i wanted remove 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is an account showing on my credit report for XXXX XXXX XXXX. the amount is {$600.00}. This account is not my account. I am not responsible for this payment. They have not been willing to provided me with the information that I have asked for. such as, CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

with that being said I will not be taking ownership of this account and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have a dept of {$900.00} with Jefferson Capital systems llc that I didnt make. I dispute it and still being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I have on multiple occasions contacted this company in regards to alleged debts they are negatively reporting on my consumer credit report. I have advised I am not liable for these alleged debts and have been the victim of identity theft. This information has also been communicated with the corresponding companies providing the alleged information. I have asked that these accounts be verified by providing the forward flow agreements in addition to original contracts yielding my wet signature. Neither this consumer credit reporting agency nor corresponding companies have been able to properly validate these alleged debts as belonging to me nor have they been able to describe the procedures used in the investigations they claim have been done. This along with the recent lawsuit filed by the CFPB against this consumer reporting agency further support my claim in unlawful and incorrect reporting on my consumer credit report that has and continues to negatively impact my life.

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 2025-01-26 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: MI

Complaint narrative:
I looked at my report XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it has to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The account ( XXXX XXXX XXXX ) is not complete and accurate. 

( XXXX XXXX XXXX ) The account status, open date, terms, payment status, payment history and closing date is not correct. This account is not accurate. 

Under the Fair Credit Reporting Act, they violated laws such as section 611 and 15 USC 1681i 7.

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 2025-01-27 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: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 non-monetary relief