vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: PR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681b ), a credit inquiry can only be conducted with my explicit permission. Since these inquiries were not authorized by me, I request their immediate removal from my credit report. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

- [ ] Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supportina documents are aispute with the utmost seriousness and compliance with legal standards. 
A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-03-09 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: GA

Complaint narrative:
I dispute the following hard inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Experian XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.

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 2025-03-09 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 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 ( File No. XXXX ) 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 account makes as an accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
Dear Credit Bureaus, XXXX XXXX is never reported correctly, XXXX XXXX keeps reporting inaccurate information on my credit. I will have to reach out to the CFPB due to failure to investigate the inaccurate reporting of XXXX XXXX. My credit score keeps dropping due to XXXX XXXX reporting inaccurate information. XXXX XXXX continues to open and close my account and increase and decrease the amount owed. I am requesting removal of this account due to inaccurate reporting. Under the FCRA my credit information should be reported fairly and accurately, I am experiencing damages due to inaccurate reporting of XXXX XXXX and request that the account is removed. I have disputed this account several times, there has been no proper investigation of why the account owed keeps being altered and the account keeps opening and closing. I am requesting the account to be removed. I have enclosed the effects it had on my credit report in which hasnt been resolved or properly investigated by your team. 

Sincerely, 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 2025-03-09 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: MI

Complaint narrative:
Dear Credit Bureaus, XXXX XXXX is never reported correctly, XXXX XXXX keeps reporting inaccurate information on my credit. I will have to reach out to the CFPB due to failure to investigate the inaccurate reporting of XXXX XXXX. My credit score keeps dropping due to XXXX XXXX reporting inaccurate information. XXXX XXXX continues to open and close my account and increase and decrease the amount owed. I am requesting removal of this account due to inaccurate reporting. Under the FCRA my credit information should be reported fairly and accurately, I am experiencing damages due to inaccurate reporting of XXXX XXXX and request that the account is removed. I have disputed this account several times, there has been no proper investigation of why the account owed keeps being altered and the account keeps opening and closing. I am requesting the account to be removed. I have enclosed the effects it had on my credit report in which hasnt been resolved or properly investigated by your team. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
I am filing this formal complaint against XXXX, Equifax, and TransUnion for unfair, deceptive, and abusive acts and practices in violation of the Consumer Financial Protection Act of 2010 ( CFPA ) as well as multiple violations of the Fair Credit Reporting Act ( FCRA ). 

CREDIT BUREAUS ILLEGAL PRACTICES & VIOLATIONS Failure to Accurately Convey Consumer Disputes to Furnishers The credit bureaus have distorted, truncated, and mischaracterized my disputes in direct violation of 12 U.S.C. 5531 & 5536 ( CFPA ). 
Failure to Remove Fraudulent Information as Required by Law Under 15 U.S. Code 1681c-2, once I have provided proof of identity theft, the bureaus are required to block fraudulent information within four ( 4 ) business days. They have failed to comply. 
Failure to Conduct a Proper Investigation ( 15 U.S. Code 1681i ) The credit bureaus have failed to conduct a legally mandated investigation of my disputes within the required 30-day period, resulting in continued damage to my credit report. 
Willful & Negligent Noncompliance ( 15 U.S. Code 1681n & 1681o ) The credit bureaus are willfully and negligently reporting fraudulent accounts, inquiries, names, addresses, and phone numbers despite clear evidence of identity theft. 
Failure to Provide a Full and Accurate Consumer Report The credit bureaus are required under the FCRA to maintain only accurate and verifiable information. By continuing to report fraudulent data, they are knowingly violating federal law. 
THE CREDIT BUREAUS ACTIONS HAVE CAUSED ME FINANCIAL & EMOTIONAL DISTRESS Due to their failure to comply with federal law, I have suffered : Damaged creditworthiness due to fraudulent accounts and inquiries Inability to obtain necessary credit and financial services Emotional distress caused by their negligence and refusal to act

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
I am being harassed by a debt collector ( Guglielmo & Associates ) even though I am on a payment plan. 
Today I received a second letter from them claiming I have failed pay my payments as agreed. 
After the first letter I sent them a letter asking reason for their claim with copies of cancelled checks ( cashed by Guglielmo & Associates ) There was an payment agreement between us on XX/XX/year> We XXXX for {$2000.00} total to be paid on XXXX {$100.00} per month payment starting XXXX XXXX XXXX. 
So far I have send them 4 checks for {$100.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received communication from your company regarding this debt, and I would like to request the following information before proceeding with any further action : XXXX. Verification that Southwest Credit Systems has the legal right to collect this debt. 
XXXX. A copy of the original creditor agreement or contract that verifies my obligation to pay. 
XXXX. A detailed accounting of the debt, including the original balance, any fees or interest added, and an explanation of any changes. 
XXXX. Proof that the alleged debt is within the statute of limitations for collection in my state. 
XXXX. The name and address of the original creditor. 

Until I receive proper validation of this debt, I request that you cease all collection activities, including reporting this debt to credit bureaus, as unverified debts should not be reported. 

Please respond to this request within XXXX  days of receipt. If you are unable to validate this debt, I request that it be removed from my credit report and that no further collection attempts be made. 

This letter serves as a formal dispute of the debt. Please note that any attempt to collect an unverified debt is a violation of federal law. I expect a prompt response and appreciate your cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, Pentagon Federal Credit Union ( PenFed ) placed a hard inquiry on my credit report without my authorization. I did not apply for credit, authorize PenFed to pull my credit, or engage in any transaction that would justify this inquiry. 

Upon noticing the unauthorized inquiry, I contacted PenFed to request an explanation and removal of the inquiry. However, PenFed failed to provide adequate documentation proving I authorized this action. Despite my efforts to dispute this directly with the company, the inquiry remains on my credit report, negatively impacting my credit score.

Additionally, PenFed has reported a debt to the credit bureaus without properly verifying its accuracy. The collection notice I received lacked essential information, including : A clear and accurate itemization date ( 12 CFR 1006.34 ( b ) ( 5 ) ).

The date of default or charge-off date ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ).

Proper disclosures regarding my rights and dispute options ( 12 CFR 1006.34 ( d ) ).

Furthermore, under 15 USC 1681s-2 ( 7 ) ( A ), furnishers of credit information are required to ensure the accuracy of reported information. PenFed failed to do so, as they reported a debt that remains disputed and unverified despite my formal request for validation.

Actions Taken : I disputed the hard inquiry with PenFed, requesting proof of authorization. No valid documentation was provided.

I requested debt validation, but PenFed did not comply with federal regulations requiring clear itemization and disclosure.

I contacted the credit bureaus to dispute the unauthorized inquiry and inaccurate debt reporting. The dispute was not resolved in my favor, as PenFed failed to correct the issue.

Resolution Requested : 1. Immediate removal of the unauthorized hard inquiry dated XX/XX/year> from my credit report. 
XXXX. Correction or removal of the disputed debt due to failure to provide proper validation. 
XXXX. A response from PenFed within 30 days, providing proper documentation if they believe the inquiry or reported debt is valid. 

If PenFed does not comply, I request that the CFPB take enforcement action against them for violations of the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR 1006.34 ).

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 2025-03-09 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 reviewed my credit report and found there is a fraudulent, negative account reporting to my credit profile. This account does not belong to me and it is a result of illegal activities and identity theft. Please remove this fraudulent account from my credit report immediately as it is hurting me financially.

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 2025-03-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is : ( XXXX ) XXXX DELETE ANY and ALL other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Utility bill showing proof of address

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 2025-03-09 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: AZ

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AZ

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full

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 2025-03-09 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent. The date was XXXX XXXX  and the companies are listed below. 
XXXX XXXX Santander Consumer USA XXXX XXXX XXXX dealer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent. The date was XXXX XXXX and the companies are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief