vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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 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 Report Act ( FCRA ). 15 U.S.C s 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CT

Complaint narrative:
Please be advised that I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. 
I HAVE INCLUDED HERE THE REQUIRED POLICE REPORT AND FRAUD AFFIDAVIT. 

Therefore, I hereby demand that you immediately delete the fraudulent inquiries listed below, which are a result of Identity Theft : FRAUDULENT INQUIRIES TO BE DELETED 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 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

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 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates failed to validate an alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite multiple written requests, this collection agency has failed to provide verification, validation, or the name and address of the original creditor for the following account : Account Name : Portfolio Recovery Associates Account Number : XXXX Additionally, XXXX and XXXX continue to report this unvalidated account despite my repeated disputes. These credit reporting agencies have failed to properly investigate and correct the inaccuracies, further violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

These violations have caused undue harm by negatively impacting my credit score and denial of credit. The collection agencys failure to validate the debt, coupled with the credit bureaus refusal to correct or delete inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my formal disputes, Experian has allowed inaccurate and unverifiable accounts to remain, damaging my credit standing and violating my rights under federal law. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ), accepting unreliable responses from furnishers without proper verification, and failing to adequately notify consumers of dispute outcomes ( 15 U.S.C. 1681i ( a ) ( 6 ) ). My experience aligns with these findings, as Experian has not corrected or removed the disputed accounts despite clear deficiencies in verification. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, yet Experian continues to report incorrect information, causing me financial harm. This constitutes willful noncompliance under 15 U.S.C. 1681n, making Experian liable for damages. I demand the immediate removal of the following inaccurate accounts : XXXX XXXX XXXX XXXX  : {$8400.00} XXXX XXXX XXXX. Amount : {$280.00} If Experian fails to take corrective action within the legally mandated timeframe, I will have no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and considering legal action to seek damages. Please confirm in writing that these accounts have been removed from my credit report.

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 2025-02-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington , DC XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Aggressive Complaint Regarding Continued Violations by Equifax Dear Sir/Madam, I am writing to express my profound frustration and dissatisfaction with the ongoing malpractices exhibited by Equifax, particularly in light of the recent order by the CFPB requiring Equifax to pay {$15.00} XXXX for its improper investigations of credit reporting errors. It is unacceptable that, despite this ruling, Equifax continues to engage in practices that blatantly violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. 

As evidenced by my recent experiences, Equifax has failed to conduct adequate investigations into disputed information in my credit report. Attached is a letter from XXXX XXXX XXXX, demonstrating that they updated my information and reported it to all three credit bureaus. Despite this, Equifax has continued to report inaccuracies that do not reflect my true credit history. 

It is astonishing that Equifax can disregard the requirements set forth by the FCRA, which clearly mandates compliance and accountability in the handling of consumer credit information. The blatant willful noncompliance exhibited by Equifax not only undermines consumer trust but also causes significant harm to individuals who rely on accurate credit reporting for their financial wellbeing. 

Under 15 U.S.C. 1681n, I am entitled to actual damages incurred as a result of these violations. The lack of thorough investigations into disputed information has led to adverse effects on my credit score and financial opportunities. It is imperative that the CFPB and FTC take immediate and decisive action against Equifax to ensure they are held accountable for their continued negligence.

I urge you to pursue this matter with the seriousness it warrants and to enforce the necessary measures to protect consumers from Equifaxs ongoing misconduct. The time for leniency has passed ; Equifax must be made to comply with the law and restore integrity to the credit reporting process.

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report.

XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance {$0.00} XXXX  XXXX XXXX  XXXX opened XX/XX/XXXX with a balance {$590.00} XXXX  XXXX  XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: OH

Complaint narrative:
I was the victim of identity theft due to a background check database security breach in XX/XX/XXXX. I reported this and placed a credit freeze with all 3 credit bureaus on XX/XX/XXXX. I received a text message from Cedars Business Services LLC in XX/XX/XXXX, stating that I owed a debt of {$500.00} that they were attempting to collect. I called and tried to clarify. They informed me that I had an account with XXXX and owed {$500.00}. The representative could not provide me with a valid account number. I told him it was a scam and fraudulent and ended the conversation. I received written communication to my home address dated XX/XX/XXXX from Cedars Business Services LLC, a debt collection agency, with a bill for {$500.00}. I sent a return written letter dated XX/XX/XXXX, disputing the debt due to it being a false and criminal account that was created erroneously as a result of my identity theft. By law, they have to cease efforts to collect the debt and send me proof in writing within 30 days that the debt is legitimate and my responsibility. I received no return response. Then, I received a credit alert that Cedars Business Services LLC reported this false collections account to both XXXX and XXXX credit bureaus. I am actively disputing these reporting errors. XXXX does not have any record of either Cedars Business Services LLC or XXXX as an account on my credit report. I would like to resolve this false debt due to identity theft and its impact on my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CO

Complaint narrative:
I sent a debt validation request to Hunter Warfield on XX/XX/year> via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They received it on XX/XX/year>XXXX  but failed to provide validation. Instead, they updated the account on my credit report on XX/XX/year>. I sent them a follow-up letter with a Notice of Violation via certified mail on XX/XX/year>. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are required to cease collection activities, including reporting to credit bureaus, until they verify the debt. Since they failed to provide validation but continued reporting, I am requesting that the CFPB investigate and require them to remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to 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 ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

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 Report Act ( FCRA ). 15 U.S.C s 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 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 2025-02-01 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: CA

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 Report Act ( FCRA ). 15 U.S.C s 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 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