vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, Pa XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, TransUnion, Equifax I am writing to formally dispute an inaccuracy on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically, I have identified incorrect information regarding [ Creditor Name ] that appears on my report. 

The inaccuracy is as follows : 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  : The report lists this account as [ charge-off/collection/late payment ] with a last payment date of [ incorrect date ] and/or an incorrect balance of [ $ XXXX ]. However, according to my records, [ correct information, such as payment was made, balance was different, or account was never delinquent ]. 

This incorrect reporting is in direct violation of : 1. 15 U.S.C. 1681i ( a ) ( 1 ) The credit bureau must conduct a reasonable reinvestigation of disputed information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If the disputed information is incorrect or unverifiable, the bureau must correct or delete it.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) When a disputed item is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify it and can not reinsert the incorrect data unless properly verified. 

I request that this inaccurate information be corrected or removed immediately. Please complete the reinvestigation within 30 days as required by law and provide me with a written confirmation of the resolution. If the furnisher of this information can not verify its accuracy, this item must be deleted. 

Enclosed are copies of relevant documents supporting my claim. Please update my report and send me a corrected version.

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 2025-02-09 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: MI

Complaint narrative:
I am writing to express my serious concerns and to allege that Transunion, Equifax and Experian has engaged in unfair practices in violation of the Consumer Financial Protection Act of 2010. As a consumer who has been victimized by identity theft, I have found your agency 's processes not only inadequate but also negligently handled, which has perpetuated my financial and personal harm. 

Description of Unfair Practices : Your agencys reliance on information furnishers to resolve disputes has resulted in a failure to adequately investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my disputes to the furnishers without independent verification is negligent and fails to meet the expected diligence under the law. This over-reliance on furnishers has led to repeated inaccuracies in my credit report, as these entities often merely confirm their original information without proper review. 

Failure to Implement Reliable Responses : When furnishers respond to your inquiries, it appears that your agency accepts their statements without question, and implements these responses into my credit report. This practice is unreliable and fails to protect my rights as a consumer, leading to a continuation of inaccuracies that have severe consequences on my financial health.

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 2025-02-09 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, companies must obtain my explicit written authorization before making a hard inquiry on my credit report. I did not authorize the following inquiries, and I am requesting their immediate removal from my report. 

Disputed Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : Miscellaneous and Public Record Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX OF XXXX ) Inquiry Date : XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Factual Data Inquiry Date : XX/XX/XXXX Business Type : Miscellaneous and Public Record Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Informative Research Inquiry Date : XX/XX/XXXX Business Type : Miscellaneous and Public Record Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX XXXX  Inquiry Date : XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) Inquiry Date : XX/XX/XXXX Business Type : Finance ( Other than Personal ) Address : XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : ( XXXX ) XXXX These inquiries were not authorized by me, and I have never applied for credit, loans, or services with these companies. In accordance with FCRA 15 U.S.C. 1681n, unauthorized inquiries must be removed unless proof of my signed consent is provided.

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 2025-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
This is the letter I sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Whom It May Concern, **Re : Removal of Child Support from Credit Report** I am writing to formally request the permanent removal of child support information from my credit report, as it no longer accurately reflects my financial standing or creditworthiness. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681e, I am entitled to have inaccurate, outdated, or irrelevant information removed from my credit report. Specifically, **15 U.S.C. 1681c** mandates that any child support information that is more than seven years old must be deleted from my credit report. 

Furthermore, the **Consumer Financial Protection Bureau ( CFPB ) ** has made it clear that child support information should not be reported unless it pertains to payments that are delinquent or have not been paid in full. Recent enforcement actions by the CFPB have targeted companies, including credit bureaus, for failure to comply with these regulations and for reporting inaccurate or misleading information on consumers ' credit reports, including child support that no longer reflects accurate or current financial obligations. The CFPB 's stance supports my request for removal, and I urge you to review your reporting practices in accordance with these guidelines.

In accordance with **15 U.S.C. 1681i**, I request the immediate removal of the child support information from my credit report and request written confirmation of the action taken, as required under **15 U.S.C. 1681i ( a ) ( 6 ) **.

Failure to comply with this request may result in further action, as outlined in **15 U.S.C. 1681s**, including the filing of a formal dispute or complaint with the CFPB .

Thank you for your attention to this matter. I look forward to receiving written confirmation that this information has been removed from my credit report. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a complaint against XXXX XXXX XXXX XXXX , as well as Experian Credit Reporting, regarding multiple errors that I believe are present on my credit report. This complaint was filed through the Consumer Financial Protection Bureau, and my reference number is XXXX. I believe that this situation constitutes a violation of the Fair Credit Reporting Act. Both Experian and XXXX XXXX failed to conduct a proper investigation and did not complete the investigation within the required 30-day timeframe. As a result, I am formally requesting that all negative items associated with XXXX XXXX, including but not limited to late payments and charge-offs, be immediately removed from my credit report. The failure to provide a thorough investigation and timely response not only negatively impacts my creditworthiness but also breaches the protections afforded to consumers under the Fair Credit Reporting Act. I kindly ask for your prompt attention to this matter and look forward to your swift action in resolving this issue. Thank you for your assistance. Sincerly 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 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX stated balance {$1300.00} This account is a fraudlent account that i did not open and the credit failed to review investigat and validate the accuracy and ownnershiop of this account, This is not my account

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 2025-02-09 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX Portfolio Recovery, and XXXX/Dept Of Ed has violated my rights. I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX, and XXXXDept Of Ed has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
Data Breach of my information. Therefore my credit report has been compromised

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
Email received on XX/XX/XXXX to notify of account being frozen. Reason for account being frozen was an unauthorized withdrawal, which was canceled, also on XX/XX/XXXX. Called customer service to figure out how what and why, they offered that information willingly. XX/XX/XXXX I received a phone call from a sofi security/account specialist, went over basic question as to why this may have occured, we both came to the conclusion of identity theft/identity fraud. He helped me to resecure my account, and told me they would start an automated process to open a new account, in my name, and transfer my current funds to it, I was told no later than XX/XX/XXXX. As of this complaint my account is still frozen, and my funds remain unusable, Sunday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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, states a consumer reporting agency can not furnish an account without written instrutions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than records of convictions and crimes which antedates the report 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation