vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Lender can not see score because of block or fraud alert placed from years ago. Address on the file is not correct anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a letter from Comenity on XXXX XXXX stating that I lived in XXXX XXXX I have never had any XXXX XXXX. Im XXXX XXXX years old. Either they provide a contract or remove it from my credit report. Nor did I ever live in XXXX. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the car loan account listed under my name on my credit report. This account is being reported inaccurately, and I believe that it is in violation of my rights under 15 U.S.C. 1681, commonly known as the Fair Credit Reporting Act ( FCRA ).

The FCRA provides explicit protections for consumers in relation to their credit reports. Specifically, it mandates that all information reported to consumer credit agencies must be accurate, fair, and complete. As part of these protections, I have the right to dispute any information that I believe is incorrect, incomplete, or unverifiable. I have exercised this right, but to date, I have not seen any satisfactory resolution regarding the car loan account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute and Request for Removal of Inaccurate Collections Under Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute and demand the removal of the following collection accounts from my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccurate, incomplete, or unverified information being reported on my credit file. 

The following accounts are being reported unfairly and must be deleted immediately : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXX XXXX. XXXXXXXX XXXX, XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXX XXXX. XXXXXXXX XXXX, XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX, Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX, Date Opened XX/XX/XXXX Under 15 U.S. Code 1681s-2 ( b ) of the FCRA, the information provider must conduct a reasonable investigation and provide verifiable proof that these accounts are accurate. If Experian can not obtain proper documentation from the original creditor proving that these accounts are valid, you are required by law to remove them from my credit file. 

Additionally, under 15 U.S. Code 1692g of the FDCPA, a debt collector must provide proper validation of the debt upon request. If the collection agencies reporting these accounts have failed to furnish a legally valid contract with my signature proving my liability, then these accounts are being reported unlawfully. 

I am demanding the following actions : 1. A complete investigation into the accuracy of these collection accounts. 
2. A request for full validation from the collection agencies to verify these debts are legitimate. 
3. The immediate removal of any unverified, inaccurate, or unauthorized accounts from my credit report. 

Please note that failure to comply with federal law will leave me with no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal action. 

I request written confirmation of the results of this dispute within the 30-day period required by law. Please send me an updated copy of my credit report once these accounts have been removed. 

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 2025-03-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally disputing the inaccurate personal information and the reported late payment on my credit report, as these errors are having a direct and detrimental impact on my financial well-being and creditworthiness. Credit reports play a crucial role in determining a consumer 's ability to obtain loans, secure housing, and access financial opportunities, and any inaccuracies can cause significant, unnecessary hardship. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure that all information included in a consumers credit file is accurate, complete, and verifiable. When incorrect personal details or erroneous late payments appear on a credit report, it creates a misrepresentation of a consumers financial history, potentially leading to higher interest rates, loan denials, and other adverse financial consequences. 

Because of these errors, my credit profile does not accurately reflect my actual payment history or financial responsibility. This is unacceptable, and I am exercising my rights under the FCRA to request an immediate investigation into these inaccuracies. The errors outlined below must be promptly corrected or permanently removed, as failure to do so would constitute a violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: Experian Information Solutions Inc.
State: KY

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 as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies 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 vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-03-10 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: KY

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 as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies 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 vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
This is in regarding to my XXXX, I gave the car back since they kept reporting wrong payment submission dates and was hurting my credit. It was suppose to be removed from my account yet they said I was late with payments even after I gave them back the car. My other issue is with milestone credit card I paid my balance off expect for the yearly fee because I only had it for XXXX XXXX before because it took them XXXX XXXX XXXX to make my funds available after paying my balance. Once I paid it off I closed the card but they didnt close it and it was kept active and someone made charges in it that wasnt me. They were suppose to investigate and get back to bust they havent but they keep reporting to my credit that Ive been late with my payments when I never have been and its been closed for monthssss yet every month that goes by Im getting told Im late on a payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and 'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. 
However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute.

Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : XXXX. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX. Immediately block or remove all inaccurate information resulting from the identity theft. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigative. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX  XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 


Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigative. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX  XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 


Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX  BALANCE {$65.00} XXXX XXXXXXXX BALANCE {$8600.00} XXXX XXXXXXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
I am writing to formally request the immediate removal of the car loan account listed under my name on my credit report. This account is being reported inaccurately, and I believe that it is in violation of my rights under 15 U.S.C. 1681, commonly known as the Fair Credit Reporting Act ( FCRA ).

The FCRA provides explicit protections for consumers in relation to their credit reports. Specifically, it mandates that all information reported to consumer credit agencies must be accurate, fair, and complete. As part of these protections, I have the right to dispute any information that I believe is incorrect, incomplete, or unverifiable. I have exercised this right, but to date, I have not seen any satisfactory resolution regarding the car loan account on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This is in regarding to my Santander, I gave the car back since they kept reporting wrong payment submission dates and was hurting my credit. It was suppose to be removed from my account yet they said I was late with payments even after I gave them back the car. My other issue is with milestone credit card I paid my balance off expect for the yearly fee because I only had it for XXXX months before because it took them XXXX whole month to make my funds available after paying my balance. Once I paid it off I closed the card but they didnt close it and it was kept active and someone made charges in it that wasnt me. They were suppose to investigate and get back to bust they havent but they keep reporting to my credit that Ive been late with my payments when I never have been and its been closed for monthssss yet every month that goes by Im getting told Im late on a payment

Company response to consumer: Closed with non-monetary relief