vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2025-02-27 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: NY

Complaint narrative:
My student loans were in federal XXXX forbearance, meaning no payments were required during that time. Despite this, late payments were reported incorrectly across multiple credit bureaus, damaging my credit score.

Additionally, my credit reports contain contradictory payment history : Some months show on-time payments, but the records also state " {$0.00} received '', proving no payment was actually made. 

This creates inconsistent and inaccurate reporting that negatively impacts my credit profile. 


I also suspect illegal reaging of my student loan account : The expected drop-off date was changed, extending the time this account will appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), this practice is illegal if done to make a delinquent account remain longer. 


Further issues include : Incorrect balances reported across different bureaus.

Scheduled payments & past-due amounts do not match reality.

TransUnions website prevents me from submitting disputes due to technical issues.

Experian timed out while uploading supporting documents, and now I can not attach proof to my dispute.

Equifax denied me access to a free credit report, even though I am disputing inaccurate information, which is a right under FCRA. 


I have contacted my loan servicer and the credit bureaus to dispute these errors, but they have not been corrected. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues and ensure my reports reflect accurate information. 

Requested Resolution : Remove all incorrect late payments that occurred during XXXX forbearance. 

Correct payment history to reflect no payments were due during that period. 

Ensure accurate balance and payment reporting across all bureaus. 

Investigate suspected illegal reaging of my account and correct the drop-off date. 

Ensure I can access my free credit report to monitor and verify corrections. 


Thank you for your time and assistance in correcting these errors. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
My student loans were in federal XXXX forbearance, meaning no payments were required during that time. Despite this, late payments were reported incorrectly across multiple credit bureaus, damaging my credit score.

Additionally, my credit reports contain contradictory payment history : Some months show on-time payments, but the records also state " {$0.00} received '', proving no payment was actually made. 

This creates inconsistent and inaccurate reporting that negatively impacts my credit profile. 


I also suspect illegal reaging of my student loan account : The expected drop-off date was changed, extending the time this account will appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), this practice is illegal if done to make a delinquent account remain longer. 


Further issues include : Incorrect balances reported across different bureaus.

Scheduled payments & past-due amounts do not match reality.

TransUnions website prevents me from submitting disputes due to technical issues.

Experian timed out while uploading supporting documents, and now I can not attach proof to my dispute.

Equifax denied me access to a free credit report, even though I am disputing inaccurate information, which is a right under FCRA. 


I have contacted my loan servicer and the credit bureaus to dispute these errors, but they have not been corrected. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues and ensure my reports reflect accurate information. 

Requested Resolution : Remove all incorrect late payments that occurred during XXXX forbearance. 

Correct payment history to reflect no payments were due during that period. 

Ensure accurate balance and payment reporting across all bureaus. 

Investigate suspected illegal reaging of my account and correct the drop-off date. 

Ensure I can access my free credit report to monitor and verify corrections. 


Thank you for your time and assistance in correcting these errors. 


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 2025-02-27 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:
Greetings, I am writing to formally dispute inaccurate information on my credit report that I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a thorough and accurate investigation into these inaccuracies as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. The CFPB highlighted the following systemic issues : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinserting previously disputed and inaccurate information without justification. 
Failing to provide consumers with clear and timely notification of investigation results. 
These allegations raise significant concerns about the integrity of consumer credit reporting practices. I am deeply concerned that my dispute may not be handled with the diligence and accuracy required by law.

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 2025-02-27 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: KS

Complaint narrative:
I have two collection accounts on my Experian, XXXX, and XXXX credit reports that not only do not belong to me, but they are duplicates of the same debt divided between two companies : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I disputed and disputed these accounts, and they came back verified each time. Whenever I ask for the method of verification, I'm hit with another stall tactic like " we couldn't verify your ID. '' These responses are despite receiving a copy of my driver 's license, copy of SSN card, and mail correspondence with filed disputes. The incident I want to formally complain about is Experian ( XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX ) and their investigation methods for failing to remove these unverified duplicate accounts even when presented with proof. I feel like my issue was disregarded by Experian and I hope that you can provide some help sorting this issue out as I am trying to rebuild my credit and my life. Thank you for your time in hearing my complaint about Experian.

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 2025-02-27 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: FL

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 DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: DE

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-27 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: TX

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXXXXXX Balance {$2000.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$500.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance {$3000.00} XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CL Holdings LLC
State: MD

Complaint narrative:
I requested accounts be validated and signed written agreements with named companies to which I never received. After making the credit bureaus aware of these accounts not bring mine and numerous times over the past XXXX years of my social security number being stolen and compromised and used in XXXX XXXX, XXXX, and XXXX security and data breaches the XXXX main credit reporting agencies not only kept the accounts on my report they relisted them as if there new accounts restarting the age of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX {$61000.00}

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 2025-02-27 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:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding a matter involving inaccurate information on my credit report and the failure of the credit reporting agencies to conduct a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

I submitted disputes to Equifax, Experian, and TransUnion concerning several inaccurate items on my credit report. Despite my request for verification and a thorough investigation, these negative items were not removed, despite the lack of proper validation by the furnishers of the information. 

Under 15 U.S.C. 1681i, the credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Furthermore, 15 U.S.C. 1681o provides for civil liability when any person or entity negligently fails to comply with FCRA requirements. Given that the disputed items were not adequately investigated, I believe my rights under the FCRA have been violated.

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 2025-02-27 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding a matter involving inaccurate information on my credit report and the failure of the credit reporting agencies to conduct a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

I submitted disputes to Equifax, Experian, and TransUnion concerning several inaccurate items on my credit report. Despite my request for verification and a thorough investigation, these negative items were not removed, despite the lack of proper validation by the furnishers of the information. 

Under 15 U.S.C. 1681i, the credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Furthermore, 15 U.S.C. 1681o provides for civil liability when any person or entity negligently fails to comply with FCRA requirements. Given that the disputed items were not adequately investigated, I believe my rights under the FCRA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Alternate Email : XXXX XX/XX/XXXX Complaint Number : # XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Provision of Free Credit Report Under the FCRA Dear Sir/Madam, I am writing regarding the response I received on XX/XX/XXXX, in connection with my repeated requestssubmitted on XX/XX/XXXX, and XXXX, XXXXfor my free credit report as provided by the Fair Credit Reporting Act ( FCRA ). Rather than addressing my valid request to access my credit report, your response focused solely on disputed items and inaccurate information, which is unrelated to the matter at hand.

Under the FCRA, specifically 15 U.S.C. 1681m, I am entitled to one free credit report annually from each of the nationwide credit reporting agencies. My original communication clearly requested my credit report ; however, your reply does not provide any information or guidance regarding my right to obtain this report. This omission appears to be a failure to comply with the statutory requirements mandated by federal law. 

Accordingly, I respectfully request that you : 1. Immediately provide me with a complete copy of my current credit report in full compliance with the FCRA.

2. Furnish a detailed explanation as to why my original request for my free credit report was not addressed in your prior communication.

3. Outline the corrective actions that will be taken to ensure compliance with my rights as a consumer under federal law.

Please consider this letter a formal dispute of your inadequate response. Should I not receive a satisfactory resolution within 15 business days from the date of this letter, I will be compelled to take further action, including escalating this matter with the Consumer Financial Protection Bureau and seeking legal recourse. 

Thank you for your prompt attention to this serious matter. I look forward to your immediate response. 

I also have a copy the original complaint as well as California driver license social security card for identification purposes Sincerely, XXXX XXXX ( XXXX ) XXXX Email : XXXX Alternate Email : 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