vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to get my credit report twice from 2 credit bureau and I havent successfully been able to receive my credit report from XXXX, trans union and XXXX XXXX every time Im trying to pull the report it shows an error I have try to contact this company but no one gives me and answer why Im not able to retrieve 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 2025-01-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Consumer Report Dear XXXX, 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. Furthermore, I am requesting to investigate all negative items on my consumer report to ensure their accuracy and compliance with federal standards. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Consumer Report Dear XXXX, 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. Furthermore, I am requesting to investigate all negative items on my consumer report to ensure their accuracy and compliance with federal standards. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-25 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 customers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction actions to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a customer.

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 2025-01-25 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: CA

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 CONFIDENTIALLY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX 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 WRIITTEN INSTRUCTIONS 15 U.S.C1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING 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 7 YEARS.

15 U.S.C 1681 s-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 RESONABLE 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 non-monetary relief
Consumer complaint received 2025-01-25 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: MS

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Equifax has neither corrected nor removed disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information on my credit report has inaccurate details. Upon reviewing my credit report, I have noticed discrepancies with my name, address, and telephone number. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX I

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 2025-01-25 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:
Inacurate information Reporting on Credit Report. These are the Accounts That I Mark Inacurate 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 2025-01-25 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:
Inacurate information Reporting on Credit Report. These are the Accounts That I Mark Inacurate 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed a complaint here with CFPB because XXXX XXXX XXXX  ignored my notification by certified mail regarding the account they're reporting on my credit files. This account DOES NOT belong to me and I am a victim of identity theft. The company was provided my identification, FTC report, Police report number and more. The company has responded to my CFPB complaint that the " complaint doesn't belong to them. '' I am submitting another complaint with my credit profile information showing the name of this company, making their statement false. 

This company is not taking responsibility for the account, but their name is clearly on all three major credit bureau reports causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Equifax 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute on my XXXX account due to inaccurate and inconsistent reporting of balance history, payment dates, and repossession status. Experian failed to follow up adequately on the investigation and did not correct or remove the errors. 

I was recently notified that the CFPB filed a lawsuit against Experian, alleging that the company accepts unreliable information from creditors and fails to notify consumers of dispute results. This directly aligns with my situation, where Experian has not verified, corrected, or removed the inaccurate information on my report.

I am requesting that this derogatory remark be removed or corrected immediately as it is negatively affecting my chances of obtaining a home, vehicle, and other financing opportunities. Experians actions ( or inactions ) violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and federal laws.

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 2025-01-25 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: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off 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 non-monetary relief
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off 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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding multiple draft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where the transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive, unfair and untrustworthy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS ON THE BEHALF OF MY SELF THERE IS NO OTHER COMAPNY DISPUTING ON MY BEHALF PLEASE DO NOT SEND ME A AUTOMATED MESSAGE ALL DOCUMENTS WILL BE INCLUDED. 

I do not give expressed written consent t or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE PROMPLTY REMOVE THIS DATA WITHIN 4 BUSINESS DAYS PURSUANT TO 15 USC 1681-C-2 TO AVIOD ANY FURTHER LEGAL PROCEEDINGS. THANK YOU FOR YOUR TIMELY COMPLIANCE

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 2025-01-25 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: KY

Complaint narrative:
Re : Request for Removal of Charge-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charge-off account from my credit report. As outlined by the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and must be removed from consumer reports. The reporting of charge-off accounts is prohibited, as income is not to be included on a consumer report under the Fair Credit Reporting Act ( FCRA ). 
According to the IRS guidelines, charge-offs are considered income, and it is clear that the reporting of this account violates the provisions of the FCRA. Given that income is not to be reported on consumer credit reports, I respectfully request that this charge-off account be removed from my report. 
I kindly ask for your prompt attention to this matter and the removal of this inaccurate information from my credit file. 
Thank you for your cooperation. I look forward to your timely response and confirmation that this charge-off account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy : Bankruptcy XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: KY

Complaint narrative:
Re : Request for Removal of Charge-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charge-off account from my credit report. As outlined by the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and must be removed from consumer reports. The reporting of charge-off accounts is prohibited, as income is not to be included on a consumer report under the Fair Credit Reporting Act ( FCRA ). 
According to the IRS guidelines, charge-offs are considered income, and it is clear that the reporting of this account violates the provisions of the FCRA. Given that income is not to be reported on consumer credit reports, I respectfully request that this charge-off account be removed from my report. 
I kindly ask for your prompt attention to this matter and the removal of this inaccurate information from my credit file. 
Thank you for your cooperation. I look forward to your timely response and confirmation that this charge-off account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy : Bankruptcy XXXX XXXXXXXX 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 2025-01-25 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: GA

Complaint narrative:
Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally request the blocking and deletion of certain accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protections for victims of identity theft. As a victim of the recent data breach, I have reason to believe that the following accounts were fraudulently created or have been impacted by unauthorized use of my personal information.

Please take immediate action to block and delete the following accounts from my credit report : Collections Accounts : XXXX XXXX Balance : {$3000.00} Original Creditor : XXXX XXXX Status : Placed for Collection Removal Date : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX : {$230.00} Original Creditor : XXXX XXXX  Status : Placed for Collection Removal Date : XXXX XXXX XXXX XXXX  Balance : {$400.00} Original Creditor : XXXX Status : Placed for Collection Removal Date : XXXX/2031 XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX 
Status : Placed for Collection Removal Date : XXXX/2030 Online Information Services Balance : {$310.00} Original Creditor : XXXX XXXX XXXX. 
Status : Placed for Collection Removal Date : XXXXXXXX Charge-Offs : XXXXXXXX XXXX  Balance : {$0.00} ( was {$2400.00} ) Status : Sold ; was in Collection Removal Date XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am providing the following documentation to support my claim : A copy of my government-issued ID ( e.g., driver 's license or passport ) A copy of my Social Security card A copy of a police report or FTC Identity Theft Report I request that you complete this investigation promptly and notify me of the outcome. If additional documentation or information is required, please contact me at the information provided below. 
I appreciate your prompt attention to this matter and look forward to confirmation that these accounts have been blocked and deleted from my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief