vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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 2025-01-29 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: IN

Complaint narrative:
I have Student loans on my credit report from XXXX. I have never signed for a Student loan with this provider.

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 2025-01-29 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: IN

Complaint narrative:
I have Student loans on my credit report from XXXX. I have never signed for a Student loan with this provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IN

Complaint narrative:
I have Student loans on my credit report from XXXX. I have never signed for a Student loan with this provider.

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 2025-01-29 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: 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 XXXX, 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 l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, TransUnion consistently responds within 24 hours, stating that 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, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5535 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX, XXXX XXXX, and 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 2025-01-29 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute 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 systematic 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 Experian has neither corrected nor removed dispute 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 Experian inaction violates federal law and my rights as a consumer. The accounts I am refferring to is XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am filing a complaint against XXXX for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof. These are the accounts Ive marked as inaccurate XXXX XXXX {$110.00} XXXX XXXX  {$600.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$950.00} XXXX XXXX XXXX {$1100.00}

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 non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am filing a complaint against XXXX for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof. These are the accounts Ive marked as inaccurate XXXX XXXX {$110.00} XXXX funding {$600.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$950.00} XXXX XXXX XXXX {$1100.00}

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX, to formally request the removal of unauthorized or inaccurate hard inquiries from my credit report. 
Specifically, I am disputing the following inquiries : XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax According to FCRA guidelines, only inquiries authorized by me in connection with a legitimate credit application should remain on my report. If you can not provide documented evidence of my consent for these inquiries, I respectfully request their immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am filling an complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. $ XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation,.

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 2025-01-29 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:
Please be advised, I am requesting both XXXX XXXX XXXX to be blocked or deleted stemming from fraudulent applications. I '' ve included a Federal Trade Commission Identity Theft Report. I've recently discovered on XX/XX/XXXX, two fraudulent loans from XXXX XXXX were opened in my name or similar as XXXX XXXX. I never applied to these two fraudulent loans. The timeline for these two loans started on XX/XX/XXXX for {$39000.00} and XX/XX/XXXX for {$34000.00} respectively. Although, my name was spelled incorrectly on loan application but my social security number was compromised. Please clear all fraudulent accounts with XXXXXXXX XXXX XXXX. Thannk

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 2025-01-29 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: CA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts that were opened in my name without my authorization. I am a victim of identity theft and request that these accounts be removed immediately from my credit file. 

XXXX XXXX has reported several accounts in my name, including an auto loan that has been marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them.

I have been affected by multiple data breaches in recent years, which may have contributed to the fraudulent activity on my credit report. I have already taken steps to address this issue, including filing a police report, disputing these accounts with the credit bureaus, and requesting the original application details from the financial institutions involved. 

I never applied for, received, or authorized these accounts. Additionally, I request that you provide me with all supporting documentation related to the application, including : 1.A copy of the original application 2.The email address and phone number used on the application 3.The mailing address used at the time of the application 4.Any recorded phone calls related to the application process 5.IP address or location where the application was submitted At the time of this application, I was living in California at XXXX XXXX  XXXX XXXX, XXXX, California XXXX XXXX, further proving that I was not the applicant. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that : 1.These accounts be permanently removed from my credit report.

2.Your office cease all collection activities related to these fraudulent accounts.

3.You provide me with the requested documentation within 30 days.

I have enclosed copies of my police report, FTC Identity Theft Affidavit, and supporting documentation for verification.

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 2025-01-29 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: CA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts that were opened in my name without my authorization. I am a victim of identity theft and request that these accounts be removed immediately from my credit file. 

XXXX XXXX has reported several accounts in my name, including an auto loan that has been marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them. 

I have been affected by multiple data breaches in recent years, which may have contributed to the fraudulent activity on my credit report. I have already taken steps to address this issue, including filing a police report, disputing these accounts with the credit bureaus, and requesting the original application details from the financial institutions involved. 

I never applied for, received, or authorized these accounts. Additionally, I request that you provide me with all supporting documentation related to the application, including : 1.A copy of the original application 2.The email address and phone number used on the application 3.The mailing address used at the time of the application 4.Any recorded phone calls related to the application process 5.IP address or location where the application was submitted At the time of this application, I was living in California at XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX, XXXX XXXX XXXX I XXXX not the applicant.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that : 1.These accounts be permanently removed from my credit report.

2.Your office cease all collection activities related to these fraudulent accounts.

3.You provide me with the requested documentation within 30 days. 

I have enclosed copies of my police report, FTC Identity Theft Affidavit, and supporting documentation for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts that were opened in my name without my authorization. I am a victim of identity theft and request that these accounts be removed immediately from my credit file. 

XXXX XXXX has reported several accounts in my name, including an auto loan that has been marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them. 

I have been affected by multiple data breaches in recent years, which may have contributed to the fraudulent activity on my credit report. I have already taken steps to address this issue, including filing a police report, disputing these accounts with the credit bureaus, and requesting the original application details from the financial institutions involved. 

I never applied for, received, or authorized these accounts. Additionally, I request that you provide me with all supporting documentation related to the application, including : 1.A copy of the original application 2.The email address and phone number used on the application 3.The mailing address used at the time of the application 4.Any recorded phone calls related to the application process 5.IP address or location where the application was submitted At the time of this application, I was living in California at XXXX FXXXX  XXXX XXXX, XXXX, California XXXX XXXX, further proving that I was not the applicant. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that : 1.These accounts be permanently removed from my credit report.

2.Your office cease all collection activities related to these fraudulent accounts.

3.You provide me with the requested documentation within 30 days. 

I have enclosed copies of my police report, FTC Identity Theft Affidavit, and supporting documentation for verification.

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 2025-01-29 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: CA

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX - XXXX - {$130.00} XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX XXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXXXXXX XXXX XXXX XXXX XXXX  Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MO

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXXXXXX XXXX XXXX XXXXXXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXXXXXX XXXX XXXX XXXX  ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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