vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: DE

Complaint narrative:
Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA. 
I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. 
Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. 
If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-02-28 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: TX

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-02-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recent looked at my credit profile and noticed that I had a fraudulent inquiry on my credit that I did not give my consent for. The account consists of the following : XXXXXXXX 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 2025-02-28 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: MA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc.
State: FL

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. 
XXXX XXXX has violated my rights. 


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 2025-02-28 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-28 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: FL

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 2025-02-28 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: NJ

Complaint narrative:
EQUIFAX : I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XX/XX/year> : Without prior notice, American Express XXXX imposed restrictions on our business account, severely disrupting our financial operations. causing me to fail to meet my legal obligations to my entertainment lawyer ( {$10000.00} retainer fee ) which caused me to subsequently fail to land $ XXXX $ XXXX distribution and licensing deals to launch my indiependent film TV series. 
February 16-20, 2025 : I contacted American Express multiple times seeking clarification and resolution. Each inquiry was met with vague assurances, but no concrete information or solutions were provided. 
XX/XX/year> : XXXX XXXX, representing American Express XXXX, committed to providing a detailed response by this date. No such response was received. 
XXXX XXXX XXXX : Further attempts to communicate with American Express were ignored or met with non-committal replies, exacerbating the financial strain on our operations. 
XX/XX/year> : XXXX XXXX extended the promised response date to XX/XX/year>, without providing any justification for the delay. 
XX/XX/year> : I sent a follow-up email emphasizing the urgency of the matter and the detrimental impact on our business, reiterating the need for a prompt resolution. 
XX/XX/year> : The extended deadline passed without any communication or resolution from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX has contacted me several times since I sent them a letter in response for their request for payment. I spoke to XXXX from Client Services when he called on XX/XX/year> at XXXX XXXX XXXXXXXX asked me how I would like to handle the account and if I wanted to make a payment. I told him I sent a request for documents ( return receipt ) because I disputed the bill they sent me. He started reading the letter I sent him and said he is assigned the debt from the original creditor and asked if I remember my last payment. I told him I couldn't discuss until I received the requested information. He told me that a letter was sent out yesterday. He insisted that I have to take care of it and that collection efforts will continue. XXXX from client services has made me feel extremely XXXX  and XXXX  and I could not sleep being fearful that he will continue to call and harass me before I had a chance to examine the documents that I have a right to. Under the FDCPA, I have a right to dispute the debt until it is verified, and at that point, all collection efforts must cease. Although he viewed my letter and stated one was being sent to me, he still proceeded with collection efforts. He has violated my rights under the FDCPA. Not sure if I can attach a voice file. I will try.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / {$3300.00} XXXX - XXXX / XX/XX/XXXX / {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX / {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$930.00} XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$1100.00} XXXX - XXXX / XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / {$8700.00} XXXX - XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  / XX/XX/XXXX / {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$2400.00} XXXX XXXX - XXXX / XX/XX/XXXX / {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / {$9100.00}

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
My dispute wont be resolved I provided everything they asked and proof that it was suppose to be refunded and they have denied the dispute for almost 2 years and now have closed my account and added the amount back saying I owe it they keep saying there is no evidence to substantiate the claim even though I provided all proof they required

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
I have been made aware of fraudulent accounts that have appeared on my credit report as a result of identity theft. I recently became aware that my personal information was compromised in the XXXX data breach, and unauthorized accounts have been opened in my name. 

The following accounts do not belong to me and should be removed from my credit report immediately : XXXX XXXXXXXX XXXX XXXX  for {$280.00} XXXX XXXX XXXX for {$620.00} XXXX XXXX XXXX  Account for {$630.00} Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the necessary steps to correct my credit file and provide me with a written statement confirming the removal of these fraudulent accounts. Additionally, please place a fraud alert on my credit file to prevent further unauthorized activity.

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 2025-02-28 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: NC

Complaint narrative:
I have been made aware of fraudulent accounts that have appeared on my credit report as a result of identity theft. I recently became aware that my personal information was compromised in the XXXX data breach, and unauthorized accounts have been opened in my name. 

The following accounts do not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXXXXXX XXXX  for {$280.00XXXX XXXX XXXX XXXX for {$620.00} XXXX XXXX XXXX XXXX  for {$630.00} Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the necessary steps to correct my credit file and provide me with a written statement confirming the removal of these fraudulent accounts. Additionally, please place a fraud alert on my credit file to prevent further unauthorized activity.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
[ Consumer Financial Protection Bureau po box 27170 Washington, D.C. 20529-7170 Dear Consumer Financial Protection Bureau , I am writing to report a concerning issue regarding two accounts listed on my credit report : XXXX XXXX and XXXX XXXX. I have no knowledge of these accounts and believe they are fraudulent, likely a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681c-2 ( a ), it is the obligation of the credit reporting agency to provide proof that these accounts belong to me. Furthermore, according to 15 USC 1681i, I request an immediate investigation into these entries. If you can not substantiate these claims, I am demanding that these accounts be deleted from my credit report without delay.

Additionally, I would like to remind Equifax of their responsibilities under 15 USC 1681s-2, which outlines the duties of furnishers of information, particularly to ensure the accuracy and integrity of the information they provide to credit bureaus.

Enclosed, you will find copies of my identification and any relevant documentation supporting my claim. I urge Equifax to respond swiftly to this matter to prevent further harm to my credit profile.

Thank you for your attention to this critical issue. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
According to 15. U.S.C 1692C they have violated my rights by unlawful communications they need to remove this collection off of my credit report thank you. This account is paid and closed please remove it 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-28 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:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

Closed Late Payment Account ( 3 Bureaus ) XXXXXXXX XXXX XXXXXXXX XX/XX/year> Late Payment ( 3 Bureaus ) XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information 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