vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has allowed a previously deleted account and unassociated address to reappear on my credit report without proper notice, and has failed to restore my full credit profile that was wrongfully deleted by XXXX of their agents. 

On XX/XX/year>, my Equifax credit report showed XXXX valid accounts. After calling to dispute an unrelated issue, an Equifax rep removed my entire profile. Ive since been told by multiple reps that Equifax can not locate my profile yet now a single fraudulent charge-off account and address I dont recognize are the only things reporting as of XX/XX/year>. 

The account now reporting is : [ Fraudulent ] Charge-Off Account : ( XXXX XXXX Acct # XXXX ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The account was deleted in the past and has now been reinserted without written notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The added address is inaccurate. Equifax has also violated 1681e ( b ) ( failing to ensure accuracy ), 1681i ( a ) ( 1 ) ( A ) ( failing to reinvestigate ), and 1681n ( willful noncompliance ).

Despite my proof, Equifax is telling me to call my creditors and reestablish my report manually, which is not only unacceptable but illegal. 

Desired Resolution : Immediate deletion of the reinserted charge-off account and false address Full restoration of all original positive accounts as listed in my XX/XX/year> Equifax credit report XXXX XXXX confirmation and updated copy of my corrected file Full explanation of what caused this and what steps will prevent it from happening again I want this resolved within 15 days, or I will escalate it legally and publicly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have sent a dispute but am unable to verify that the disputed information has been taken off my credit. I have sent all the information needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
I went to Chacon Autos located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX to purchase a XXXX XXXX XXXX in XX/XX/ with {$1500.00}. I have been paying on $ XXXX {$500.00} every XXXX weeks and I still owe over {$20000.00} for this car and I have paid over {$16000.00} for this car. I had advised this " car dealership '' I had a medical emergency in XX/XX/XXXX and had to miss work and I am unable to pay over {$1000.00} a month on any car. Today XXXX the under-writing team approve me for monthly pays of {$790.00} plus insurance which is about {$930.00} a month. ( still not afford and again I have paid over {$16000.00} for this car ) I have repeated told them this is not my only bill. I understand these salespeople have to make money. But this is beyond Greed, paying this predatory loan when I can barely eat and almost homeless trying to pay keep my transportation. It is really sad how the system can legally rob the working-class people who are really trying to have something.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-27 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: Texas Guaranteed
State: FL

Complaint narrative:
I am writing to formally dispute incorrect student loan information that continues to reappear on my account, despite previous efforts to have it corrected. I have noticed that outdated or inaccurate details regarding my student loan, serviced by Department of Education and XXXX, keep resurfacing, causing ongoing issues with my records and credit report. 

I request that the Consumer Financial Protection Bureau intervene to ensure this matter is permanently resolved and that my loan servicer takes appropriate action to prevent the incorrect information from reappearing. Please provide me with an update on your investigation and any steps being taken to address this issue. 

Thank you for your time and assistance. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am attaching an FTC report containing 3 fraudulent accounts with hopes they will be blocked in 4 days under FCRA 605B and be permanently deleted from my consumer report after investigation is over. I do appreciate whoever is taking the time to review this CFPB report. I have also attached 3 inquiries which are dated XX/XX/2025 to be removed as well. Thank you for your time and consideration.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Dispute of Account Reporting Inaccuracies Dear Sir/Madam, I am writing to formally dispute the information reported on my credit report concerning the following account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Reason for Dispute : The information reported on this account is incomplete, inaccurate, and possibly fraudulent. I believe the entry does not comply with the requirements of the Fair Credit Reporting Act ( FCRA ). Specifically, the details associated with this account do not reflect the correct or verified information, and I suspect this account may have been reported in error or is a result of fraudulent activity. As such, I am requesting that you investigate and remove this account from my credit report due to the inaccuracies and potential fraud involved. Please notify me in writing once this dispute has been resolved, and the necessary corrections or deletions have been made. I have also attached any supporting documentation that may assist in the investigation of this dispute. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XX/XX/year>XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Dispute of Account Reporting Inaccuracies Dear Sir/Madam, I am writing to formally dispute the information reported on my credit report concerning the following account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Reason for Dispute : The information reported on this account is incomplete, inaccurate, and possibly fraudulent. I believe the entry does not comply with the requirements of the Fair Credit Reporting Act ( FCRA ). Specifically, the details associated with this account do not reflect the correct or verified information, and I suspect this account may have been reported in error or is a result of fraudulent activity. As such, I am requesting that you investigate and remove this account from my credit report due to the inaccuracies and potential fraud involved. Please notify me in writing once this dispute has been resolved, and the necessary corrections or deletions have been made. I have also attached any supporting documentation that may assist in the investigation of this dispute. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XX/XX/year>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 2025-03-27 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am filing a complaint against Equifax for failing to properly 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 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.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 XXXX XXXX XXXX XXXXXXXX ) 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. These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC
State: TX

Complaint narrative:
I was declined for the refinance for my loan 3 times in a row on XXXX, XXXX 2025 XXXX, XXXX 2025 and XXXX, XXXX XXXX.first time they claimed i had insufficient funds because of my pay stubs the last two times it was allegedly because they couldnt verify my bank information.Every time i call and speak to customer service they just keep telling me to apply again in 2 weeks just to decline the refinance again.This is my second complaint before after I filed the first one the compliance manager left me a voicemail stating to call and speak to him and when i called customer service told me to disregard the voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am invoking these laws as I fee that my all efforts to reach your insitituion have been in vain I have sent many letters with no response back I am requesting that the CFPB sent letters to you request your immediate attention to the next accounts and inquiries Massachusetts General Laws Chapter 93, Section 54A Protection for identity theft victims.

Massachusetts General Laws Chapter 266, Section 37E Criminal penalties for identity fraud.

Massachusetts General Laws Chapter 93A, Section 2 Unfair and deceptive practices. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 
Massachusetts Identity Theft Law ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to XXXX Fraudulent Accounts : XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$60000.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$600.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX XXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - Balance : {$0.00} XXXX Fraudulent Credit Inquiries : XXXXXXXX XXXX - XX/XX/XXXXXXXX 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 XX/XX/XXXX Additionally, the following addresses are incorrect and should be permanently removed from my credit file : XXXXXXXX XXXX, XXXX, MA 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, MA XXXX This information has hurt my credit standing and has caused me unnecessary stress

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 2025-03-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Attached is a FTC REPORT which entails how my identity was used unwillingly and illegally. I request the following information be provided showing how this account was determined accurate and allowed to be reported to my credit.

1. A copy of the original contract or agreement bearing my signature that validates this alleged debt.

2. Detailed records showing how the amount was calculated.

3. Proof of your right to collect on this account. Under the Fair Credit Report Act, the information is my right and it is the responsibility of the credit reporting agencies to uphold this right I demand a thorough and diligent investigation be done and completed within 7 days

Company response to consumer: Closed with non-monetary relief