vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: MO

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for this failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that fails to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.

These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner.

Please review the inaccurate information being reported : 1.Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Please delete from my credit report. 

2.Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please delete from my credit report. 

3.Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX Please delete from my credit report. 

4.Unauthorized Inquiry XXXX XX/XX/XXXX Please delete from my credit report. 

5.Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please delete from my credit report. 

6.Unauthorized Inquiry XXXX XX/XX/XXXX Please delete from my credit report. 

Under the FCRA, you are required to : Conduct a proper investigation into my dispute, inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documents you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you failed to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly I look forward to your response within the legal mandated 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I am writing to formally dispute the claim of civil liability for negligence that has been brought against me under California Civil Code 16810. Upon reviewing the details of this matter, I find that the claim is incomplete and lacks the necessary legal and factual basis to establish my liability.

Grounds for Dispute : 1. Lack of Substantiated Evidence : The claim fails to provide clear and sufficient evidence demonstrating my negligence and how it directly resulted in the alleged damages. Without concrete proof, any assertion of liability is unfounded.

2. Failure to Establish Duty and Breach : For a negligence claim to be valid, it must be shown that I had a legal duty to the claimant, that I breached this duty, and that this breach directly caused harm. The claim does not adequately establish these elements.

3. Inaccurate or Incomplete Information : The claim appears to be incomplete or contains inaccuracies regarding the circumstances of the alleged incident. I request a full and transparent disclosure of all supporting documents, witness statements, and any other relevant evidence.

4. Possible Comparative Negligence : If liability is being alleged, an assessment of all parties contributions to the incident must be considered. If other parties contributed to or were responsible for the damages, the claim should be adjusted accordingly.

Given these concerns, I request an immediate review of this dispute and a written response addressing the deficiencies outlined above. If this matter is not resolved appropriately, I am prepared to take further legal action, including seeking dismissal of the claim and any damages incurred due to improper allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am writing to formally dispute the claim of civil liability for negligence that has been brought against me under California Civil Code 16810. Upon reviewing the details of this matter, I find that the claim is incomplete and lacks the necessary legal and factual basis to establish my liability.

Grounds for Dispute : 1. Lack of Substantiated Evidence : The claim fails to provide clear and sufficient evidence demonstrating my negligence and how it directly resulted in the alleged damages. Without concrete proof, any assertion of liability is unfounded.

2. Failure to Establish Duty and Breach : For a negligence claim to be valid, it must be shown that I had a legal duty to the claimant, that I breached this duty, and that this breach directly caused harm. The claim does not adequately establish these elements.

3. Inaccurate or Incomplete Information : The claim appears to be incomplete or contains inaccuracies regarding the circumstances of the alleged incident. I request a full and transparent disclosure of all supporting documents, witness statements, and any other relevant evidence.

4. Possible Comparative Negligence : If liability is being alleged, an assessment of all parties contributions to the incident must be considered. If other parties contributed to or were responsible for the damages, the claim should be adjusted accordingly.

Given these concerns, I request an immediate review of this dispute and a written response addressing the deficiencies outlined above. If this matter is not resolved appropriately, I am prepared to take further legal action, including seeking dismissal of the claim and any damages incurred due to improper allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: DC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
Experian, Equifax, and TransUnion refuse to delete 7 fraudulent accounts + 24 unauthorized inquiries tied to FTC Reports # XXXX & # XXXX. 

**Fraudulent Accounts Demanding Deletion : ** XXXX. XXXXXXXX XXXX XXXX  XXXX ( {$6300.00} Charged Off ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$11000.00} Chargeoff ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$1800.00} Derogatory ) - Identity theft confirmed XXXX. XXXX XXXX # XXXX ( {$22000.00} Auto Loan ) - Unauthorized lease XXXX. XXXX XXXX XXXX  ( {$11000.00} XXXX ) - FTC-certified fraud XXXX. XXXX XXXX XXXX  # XXXX ( {$860.00} Balance ) - Invalid reporting XXXX. XXXX XXXX XXXX  # XXXX ( {$570.00} Balance ) - No signed contract **Unauthorized Inquiries ( XXXX ) : ** - **Experian** : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - **Equifax** : XXXX  XXXX XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) - **TransUnion** XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) **Violations : ** - **FCRA 605B** : Failed to block identity theft accounts - **FCRA 611 ( a ) ( 1 ) ** : Used e-statements ( 16 CFR 603.3 ( p ) ) instead of wet-ink documents - **12 CFR 1022.41** : Incorrect Metro 2 coding of " Paid as Agreed '' on charged-off accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
Experian, Equifax, and TransUnion refuse to delete 7 fraudulent accounts + 24 unauthorized inquiries tied to FTC Reports # XXXX & # XXXX. 

**Fraudulent Accounts Demanding Deletion : ** XXXX. XXXXXXXX XXXX XXXX  XXXX ( {$6300.00} Charged Off ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$11000.00} Chargeoff ) - Opened XX/XX/XXXX ( FTC XXXX ) XXXX. XXXX XXXX # XXXX ( {$1800.00} Derogatory ) - Identity theft confirmed XXXX. XXXX XXXX # XXXX ( {$22000.00} Auto Loan ) - Unauthorized lease XXXX. XXXX XXXX XXXX  ( {$11000.00} XXXX ) - FTC-certified fraud XXXX. XXXX XXXX XXXX  # XXXX ( {$860.00} Balance ) - Invalid reporting XXXX. XXXX XXXX XXXX  # XXXX ( {$570.00} Balance ) - No signed contract **Unauthorized Inquiries ( XXXX ) : ** - **Experian** : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - **Equifax** : XXXX  XXXX XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) - **TransUnion** XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) **Violations : ** - **FCRA 605B** : Failed to block identity theft accounts - **FCRA 611 ( a ) ( 1 ) ** : Used e-statements ( 16 CFR 603.3 ( p ) ) instead of wet-ink documents - **12 CFR 1022.41** : Incorrect Metro 2 coding of " Paid as Agreed '' on charged-off accounts

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: MA

Complaint narrative:
Grow Credit Inc, a credit lender, provided us with a personal line of credit from XX/XX/XXXX to XX/XX/XXXX. Although we never missed a payment, our account was incorrectly reported as 30 days delinquent in XX/XX/XXXX due to initial issues with their payment processing system. Despite offering a 30-day grace period to accommodate such errors, Grow Credit Inc still marked our account as 30 days delinquent even though it was eventually paid in full. Furthermore, when the account was closed, the payment status was not updated correctly. Instead of reflecting a Paid as Agreed status, it was reported as Paid account/was 30 days past due, which contradicts our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-03-07 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: NJ

Complaint narrative:
am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested Experian to block and remove these unauthorized accounts from my credit report. The fraudulent account includes : XXXX Account Number : XXXX Despite my request and my legal right to have this account removed, Experian has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information.

15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts.

I have provided all necessary supporting documents, yet Experian has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on 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 explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested TRANSUNION to block and remove these unauthorized accounts from my credit report. The fraudulent account includes : XXXX Account Number : XXXX Despite my request and my legal right to have this account removed, TRANSUNION has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information.

15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts.

I have provided all necessary supporting documents, yet TRANSUNION has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on 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
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I attempted to dispute information wrongfully placed on my credit report. They are false and misleading. I have tried to fix this issue in the past, but they have not decided to work with me beyond artificial communication. I am seeking relief from them only in the way of honoring the consumer and U.S mail sent thereof.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to dispute information wrongfully placed on my credit report. They are false and misleading. I have tried to fix this issue in the past, but they have not decided to work with me beyond artificial communication. I am seeking relief from them only in the way of honoring the consumer and U.S mail sent thereof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief