vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I am writing to formally file a complaint against Equifax Information Services LLC for failing to correct and remove inaccurate, unverifiable, and fraudulent items from my credit report. Despite submitting a dispute and providing supporting evidence, Equifax has refused to delete these negative entries, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am a victim of identity theft and a data breach, and the fraudulent inquiries and accounts on my report are not a result of my actions. Equifaxs refusal to investigate and correct these inaccuracies has caused significant harm to my financial well-being, creditworthiness, and ability to obtain credit at fair rates.

Violations by Equifax Failure to Conduct a Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) Equifax did not properly investigate my disputes and instead blindly verified the inaccurate information with the furnishers without requiring them to provide verifiable proof.

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a meaningful reinvestigation, but Equifax simply relied on automated responses from data furnishers without validating the accuracy of the information. 
Failure to Remove Fraudulent Inquiries & Accounts ( FCRA 605B, 15 U.S.C. 1681c-2 ) I disputed unauthorized inquiries and accounts that resulted from identity theft, but Equifax failed to delete them.

Under FCRA 605B, consumer reporting agencies must block fraudulent information when a consumer provides a valid identity theft report, yet Equifax refused to comply.

Violation of Data Security & Consumer Protection Laws Equifax has failed to safeguard my personal information, despite being a major data breach victim itself in 2017.

Under FCRA 623, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a credit bureau must delete any inaccurate or unverifiable information within 30 days, yet Equifax continues to report incorrect data on my credit file.

Failure to Provide Verification of Disputed Accounts ( FCRA 609, 15 U.S.C. 1681g ) I requested written verification of the accounts in dispute, but Equifax did not provide me with any contractual evidence or original documentation proving I authorized these accounts.

Continued Reporting of Incorrect Public Records ( FCRA 605, 15 U.S.C. 1681c ) Equifax continues to report outdated and inaccurate public records, including an improperly reported bankruptcy and a collection account that should not be associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: CO

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: MO

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation, These are the account i mark inaccurate. 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 2025-03-04 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a new XXXX  XXXX XXXX at XXXX XXXX earlier in XX/XX/XXXX. The financial institution ( Fifth Third Bank ) that the dealership settled with, after not waiting for me to unfreeze my credit scores, mailed the official paperwork to my house towards the end of the month. 

On XX/XX/XXXX, my wife and I attempted to open an account with Fifth Third Bank in Ohio ( after the paperwork arrived ), which could not be completed as the bank needed to verify who I was. It was not possible to call as it was Sunday. 

The day ( XX/XX/XXXX ) I called the bank with my cell phone number and verified who I was by name, account number, and mail zip code. I attempted to complete the automatic payment process so I could start making my payments. The bank then said they couldn't complete as they couldn't verify who I was, even though I verified by providing information through the phone call. They asked for a four-digit pin, which I never received, as the dealership was the one who set up my account, and they asked that I call from a phone number that was on the account ( my house number ). As this was at the end of the day, after the phone call ended, I attempted to call from my home number but the bank then closed for the day. 

I called earlier his morning ( XX/XX/XXXX ) from the number they claimed the account was set up under and they said they couldn't help me complete the automatic payment set up as they needed me to call from my cell phone, which they told me opposite of that the day prior. 

I am making this complaint as I seem to be getting nowhere with this institution on setting up something as simple as automatic payments on the loan. As I am now locked out of the account due to 'too many attempts ', and I run into the same obstacles on the phone with trying to reset my account as I am trying to set up automatic payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: UT

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: UT

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that 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 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  Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They call me over 5-10 times a day from multiple different phone numbers in the XXXX area code. It's non stop even when I told them to stop calling me, only communicate via mail. Send me ver8if debt. The phone calls will not stop and I am on the do not call list which does not stop them nor my asking to send the proof letter ... the lady hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I hope this message finds you well. I am reaching out to you because Ive discovered a serious issue with my credit report that requires your immediate attention. Upon reviewing my report, I found an account that was opened in my name without my permission. I want to make it absolutely clear that I did not authorize or initiate this account in any way. This is a case of fraud and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caneel Capital, LLC
State: MD

Complaint narrative:
XXXX issued a loan governed by XXXX XXXX XXXX and XXXX in XX/XX/XXXX. XX/XX/XXXX I defaulted and XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, holding the debt instrument promissory note filed a breach of contract claim and were awarded on XX/XX/XXXX a money judgment for the damages. XXXX  ' money judgment collection remedies governed by XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ( a ) ( XXXX ) ; and Md XXXX XXXX permitted the following discovery, garnishments, and bank levies. In XXXX, XXXX assigned and recorded the deed of trust without the money judgment to XXXX XXXX  XXXX, XXXX, then to Trinity Finacial Services, LLC in XXXX. XX/XX/XXXX Trinity file an order to docket with the promissory note and deed of trust as verified lien instruments and foreclosed on XX/XX/XXXX. I appealed and before the appellate opinion was issued Trinity on XX/XX/XXXX dismissed the foreclosure case. Trinity, after dismissing the case attempted to access my credit XXXX times using false authorizations, XXXX times with false documents and a third time claiming to be me. On XX/XX/XXXX, XXXX XXXX, XXXX for XXXX XXXX XXXX, XXXX motioned to vacate Trinity 's dismissal entered XX/XX/XXXX by XXXX XXXX, XXXX, XXXX and reopen to proceed as an invalid foreclosure noteholder purchaser. XX/XX/XXXX, the trial court granted reopening. I appealed the second time. Trinity is unlicensed, held invalid assignments, filed invalid lien instruments, held a void ab initio foreclosure sale, appointed invalid substitute trustees. The money judgment expired XX/XX/XXXX rendering the money judgment debt extinguished.The money judgment superseded the promissory note extinguishing the prior contract obligation. The deed of trust separated from the promissory note or other debt instrument renders the deed of trust unenforceable. The XX/XX/XXXX action filed against the XX/XX/XXXX defaulted and unenforceable deed of trust was not filed within the XXXX  year period pursuant XXXX  XXXX. XXXX XXXX, XXXX, counsel for substitute trustees collectively are in the shoes of the processors further attempting to enforce collecting debt I do not owe for the invalid foreclosure noteholder purchasers, XXXX XXXX XXXX, XXXX. Shifting substitute trustees are as follows : XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Shifting lenders are as follows : Trinity Financial Services , LLC, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation