vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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 XXXX XXXX XXXX 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 2025-01-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 explanation
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report nine fraudulent accounts and one fraudulent hard inquiry appearing on my consumer credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; XXXX student loans opened at XXXX XXXX XXXX  on the following dates : XX/XX/XXXX under account number XXXX, XX/XX/XXXX under account number XXXX, XX/XX/XXXX under account number XXXX, and XX/XX/XXXX under account number XXXX ; a student loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; a student loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ; a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. Additionally, there is a fraudulent hard inquiry from XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. These accounts and inquiries have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
Subject : Dispute of Upgrade Account - Account Number : XXXX I am writing to formally dispute the handling of my Upgrade account, which has caused significant concern regarding the accuracy of my credit reporting. I previously disputed the negative payment history associated with this account, and on XX/XX/XXXX, the account was updated to reflect " Paid as Agreed. '' However, as of XX/XX/XXXX, I noticed that Experian has reasserted the negative payment history, causing the account to once again reflect a negative status. 

I find this situation both perplexing and concerning, as it appears to contradict the previous update that indicated my account was in good standing. To provide evidence of this inconsistency, I will attach copies of my credit reports showing the status of the account before and after the updates. 

Furthermore, I believe that this situation may involve fraudulent activity, and I am prepared to file a report with the Federal Trade Commission ( FTC ) regarding this matter. I am also exploring my legal options to ensure that my rights are protected and that my credit report accurately reflects my payment history. 

I appreciate your attention to this matter and kindly request your assistance in resolving this issue. Please let me know if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this serious concern. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2025-01-10 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: CA

Complaint narrative:
I am writing for XXXXwo ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2025-01-10 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized for them to be placed on on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
On ( XX/XX/year> ), I requested disclosure of your method of verification for the reported bankruptcy. Your response claimed that the bankruptcy was verified by ( XXXX XXXX XXXX XXXX However, I directly contacted ( XXXX XXXX XXXX XXXXXXXX ) and they have denied verifying this item with you. Consequently, this bankruptcy is legally considered UNVERIFIED. I know of the FCRA stipulation : " A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days ( about XXXX and a half weeks ) after you dispute it. '' However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. '' Attached is their letter for your review. I demand the immediate deletion of this unverified item from my credit reports. The OCR and E OSCAR verification of this information is not acknowledged as proper validation. Please furnish me with an updated copy of my report once the bankruptcy is removed.

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 2025-01-10 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: RI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a checking account with XXXX XXXX on my phone so that I could get a cashiers check for the amount of {$4000.00}. The {$4000.00} were supposed to come out of my XXXX checking account and transferred into the new checking account I made with XXXX XXXX but my wife spent {$300.00} that same day leaving my XXXX checking account at a balance of {$3700.00}. After I realized that she had spent that money I made a second transaction into XXXX XXXX  for an amount of {$3700.00} thinking that the transaction for {$4000.00} was going to be deleted since there wouldnt be enough funds for the transaction to go through. On XX/XX/XXXX the {$3700.00} were transferred from my XXXX  Checking into my new XXXX XXXX  checking account. On XX/XX/XXXX I called XXXX bank to check the status of the transaction and to see if I could use the money to get the cashiers check like I intended. XXXX XXXX  said the money would be available on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX because my account was blocked by the fraud department. XXXX XXXX fraud department said that I needed to wait 2 months for me to get a reference number on the mail to verify my identity but the letter arrived in XXXX week. However, when I called XXXX XXXX  with the reference number they said they could not unfreeze my account and I couldnt access my money. On XX/XX/XXXX I visited the XXXX XXXX branch in XXXX, Ca. With the reference letter and the manager at the bank told an associate to contact the fraud department. The fraud department stated that they couldnt unfreeze my account and they stated that they would close the account that same day and that they would send my money on a check XXXX to 60 days. On XX/XX/XXXX I visited the XXXX XXXX  brand in XXXX XXXX. once again because earlier that day I contacted XXXX XXXX  to check the status of the Check and they had told me that the account was still open and that they were doing an investigation. After the XXXX XXXX associate contacted the fraud department again the reassured me that I was going to get my money by XXXX, XXXX, XXXX. On XX/XX/XXXX I called them to see the status of my money in which they replied that I need to wait another 60 days. So at this point I feel like XXXX XXXX  has stolen my money and I have taken a huge loss thanks to XXXX XXXX  I wasnt able to relocate my family to a new home and to be honest I dont know the real reason why XXXX XXXX  has stolen my money. They claim is because of fraudulent activity in the account but that makes no sense since they just blocked 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 2025-01-10 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:
I recently received a copy of my credit report and noticed that there was a late payment. The delinquent payment showing on my report XX/XX/XXXX was the result of my job loss due to XXXX. The CARES Act which was signed into law on XXXX XXXX and ended XXXX XX/XX/XXXX. This act amended the Fair Credit Reporting Act to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). I have attempted to resolve these issues multiple times, yet you have failed to conduct a proper investigation and correct the errors.

I recently became aware of the CFPBs lawsuit against Experian, which alleges that Experian engages in sham investigations of credit report disputes. The lawsuit highlights Experians systematic failure to properly investigate disputes and correct inaccuracies, as well as the practice of reinserting erroneous information into consumer credit reports. These actions are clear violations of federal law, and I believe my case reflects this pattern of non-compliance. 


Disputed Items XXXX Account XXXX XXXX Reason for Dispute : Date Last Active is incorrect XXXX XXXX XXXX XXXXXXXX Account : XXXX Reason for Dispute : Date Last Active is incorrect XXXX XXXX XXXXXXXX Reason for Dispute : This inquiry was not authorized FCRA Violations and CFPB Lawsuit Reference Experians refusal or failure to properly investigate and resolve these disputes constitutes a violation of : 15 U.S.C. 1681e ( b ) : The obligation to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681i : The requirement to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681c ( c ) : The requirement to remove outdated and obsolete information.

Furthermore, the CFPB lawsuit confirms a disturbing pattern of non-compliance by Experian, which includes neglecting to properly investigate disputes and causing harm to consumers by perpetuating inaccuracies in their credit reports. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I have been disputing my credit report with false information reported since the pandemic. XXXX did not investigate or remove the false reports. In station, my credit report just dropped XXXX points for a late payment recently that I have no idea what they are talking about. All my current accounts are paid on time. XXXX  continues to mess up my credit scores.

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 2025-01-10 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 have written to this credit bureau several times in an effort to rectify THEIR ERRORS! They consistently ignore my requests and fail to protect me and my privacy. I recently reached out to this credit bureau in XXXX, XXXX, and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. They only corrected a part of it and has continued to report the same wrong information. I have reached out to try to correct this a several times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to Cushman v Transunion 1997, this credit bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I STILL have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. I feel violated and unprotected and have suffered loss as a result of their neglect.

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 2025-01-10 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief