vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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:
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 : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

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 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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 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 2025-02-20 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: CL Holdings LLC
State: VA

Complaint narrative:
The involved debt collector has purchased this debt from a creditor. 
The Debt Collector obtained my information, and private info illegally without my authorization. Nor is this debt owed to the party or have a contractual binding to the debt collector. The amount of the Debt {$1600.00} sent certified letter to company on XX/XX/scrub>/2025. This violation is clearly a violation of 15. U.S. Code 1692g, 15.U.S.1692 ( b ), 15. U.S.C. 1692c. 805c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please delete these collections from my credit report as these debt collectors have not provided me proper debt validation of the alleged debts with the purchase agreement and have the legal authority to collect on them. 
XXXX XXXX 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

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 2025-02-20 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: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Third and Final Notice Demand for Validation and Reinvestigation of Information and Notice XXXX XXXX to Pursue Legal Action To Whom It XXXX Concern, This letter serves as my third and final demand for XXXX to validate and reinvestigate the inaccurate and/or unverifiable information you are reporting about me. Despite my previous requests dated [ Insert Date of First Letter ] and [ Insert Date of Second Letter ], you have failed to provide sufficient evidence to validate the disputed information or correct your records. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days and either verify, correct, or delete the information if it can not be substantiated. Your failure to comply with these legal obligations is a direct violation of federal law. 

I am disputing the following information as inaccurate, incomplete, or unverifiable : XXXX XXXX XXXX  XXXX stating fraudulent activity with the monetary loss I demand that XXXX take the following actions immediately : 1. Conduct a thorough reinvestigation and provide written evidence validating the disputed information.

2. Delete or correct any information that is inaccurate, incomplete, or unverifiable in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

3. Provide a written statement detailing the results of your reinvestigation, including the sources you relied upon.

Notice of Intent to Pursue Legal Action If you fail to comply with this request within the legally mandated timeframe, I will have no choice but to escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office. 
Initiating legal action against XXXX for willful and/or negligent non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ).

Seeking actual damages, statutory damages, punitive damages, and attorneys fees as allowed by law. 

I take my consumer rights seriously and expect full compliance. This letter serves as your final opportunity to address this matter before further legal action is taken. 

I expect a written response within 30 days of your receipt of this letter, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: AUTO MARKET OF FLORIDA, CORP
State: MI

Complaint narrative:
Purchased a vehicle and lost my job so I wasnt able to continue the high payments for it I contacted the car company and they said they would work with me but I couldnt pay for the car anymore and I keep receiving emails and texts about the payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
WHEN I DISPUTED INACCURATE INFORMATION ABOUT MY CREDIT TO THE CREDIT BUREAUS, THEY ALWAYS COME BACK WITH MY DISPUTE AS BEING VERIFIED AND UPDATED ... THEY NEVER FIX THE PROBLEM AND IT'S HINDERS ME FROM EXPLORING MY CREDIT OPTION FOR GETTING APPROVED FOR LOANS BECAUSE OF THE NEGITIVE INACCURATE INFORMATION THATS REPORTING ON MY CREDIT .... EXPERIAN AND TRANSUNION AND EQUIFAX DO NOT INVESTIGATE AND NOR DO THEY CARE ABOUT FIXING THE PROBLEM FOR THE CONSUMER.. ACCORDING TO THE FAIR CREDIT ACT.. 15 USC1692C I ALSO HAVE A HOSPITAL BILL THATS REPORTING ON MY CREDIT... IT IS ILLEGAL FOR CONSUMER REPORTING AGENCIES TO REPORT MEDICAL BILLS TO THE CREDIT BUREAUS ACCORDING TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE RULE WENT INTO EFFECT 60 DAYS AFTER PUBLICATION IN THE FEDERAL REGISTER ON XX/XX/year>.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting the account XXXX without any information attached. This makes this account incomplete. There is no way to identify this account and Transunion refuses to send any information for me to follow up on this matter. Transunion is required by law to report accurate information.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. Back in XXXX and XX/XX/year>, I submitted multiple disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

Despite the Fair Credit Reporting Act ( FCRA ) requiring a response within 30 days, I have yet to receive any formal acknowledgment, investigation results, or supporting documentation from any of the bureaus. Their failure to respond is a clear violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to ensure the credit bureaus comply with their legal obligations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, along with formal written confirmation that the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. Back in XXXX and XX/XX/year>, I submitted multiple disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

Despite the Fair Credit Reporting Act ( FCRA ) requiring a response within 30 days, I have yet to receive any formal acknowledgment, investigation results, or supporting documentation from any of the bureaus. Their failure to respond is a clear violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to ensure the credit bureaus comply with their legal obligations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, along with formal written confirmation that the necessary corrections have been made.

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 2025-02-20 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: CA

Complaint narrative:
Discovering that I have been a victim of identity theft has been an overwhelming and distressing experience. My personal information was used without my consent, leading to unauthorized accounts and activities appearing on my credit reportaccounts that I have absolutely no connection to. Recognizing the severity of the situation, I took immediate action. As advised by TransUnion, I filed a report with the Federal Trade Commission ( FTC ) and submitted the necessary documentation in hopes of resolving the issue. However, despite these efforts, the fraudulent entries remain on my credit report, continuing to cause frustration, anxiety, and harm to my 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 2025-02-20 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: Experian Information Solutions Inc.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Creditor Name : XXXX XXXX Re : Account XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : late payment date XX/XX/XXXX late payment date XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I will file a dispute with the relevant credit bureau immediately. I will systematically gather and submit all necessary supporting documents to substantiate my claim. This issue is severely affecting my finances and emotional well-being, which is completely unacceptable. It is imperative that they resolve these discrepancies promptly so I can regain control over my credit.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I will file a dispute with the relevant credit bureau immediately. I will systematically gather and submit all necessary supporting documents to substantiate my claim. This issue is severely affecting my finances and emotional well-being, which is completely unacceptable. It is imperative that they resolve these discrepancies promptly so I can regain control over my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: WA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Constant robo calls, threatening to sue and file charges against me.provide police report and letter from lawyer that states intentions to sue XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> an I discovered an unauthorized charge to my Bank of America account was made by a company called XXXX XXXXl for checking account ending in XXXX this company was doing buissness with fraudulent companies based throughout the world based in XXXX and XXXX etc I did not know of XXXX XXXX until after this transaction occurred. I suspect someone intercepted my personal confidential information.. Please help me fight XXXX XXXX  and B of A charge for XXXX they are not going to fight for me. I PUT in XXXX claims both got denied. Needless to say i am very XXXX! inclosed is the only email I got from XXXX XXXX stating a transaction was cancelled. I was not aware of this email until I did a search for XXXX in my XXXX 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 explanation