vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: CO

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failure to Investigate Disputed Accounts Under XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ) Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint against [ Credit Bureau/Furnisher Name ] for failing to properly investigate and correct inaccurate information on my credit report, despite my formal dispute submitted on [ Date of Dispute Submission ]. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, credit reporting agencies and furnishers are liable for negligent noncompliance, including failure to conduct a proper investigation into disputed information. Despite my request, [ Credit Bureau/Furnisher Name ] failed to take corrective action or provide a reasonable basis for maintaining the disputed accounts on my credit report.

As required by law, they were obligated to : Conduct a reasonable reinvestigation of my disputes. 

Provide a written response with findings and, if applicable, correct or delete unverifiable information. 

Ensure that any inaccurate or unverified information is removed from my credit report. 

Their failure to comply with these obligations has caused undue harm to my credit standing. I am requesting the CFPB to : Investigate the actions of [ Experian ] regarding my dispute. 

Enforce compliance with the FCRA and require them to properly investigate and correct the inaccuracies. 

Consider appropriate penalties for their negligence and failure to comply with federal law. 

I have attached copies of my original dispute letters, supporting documents, and any responses I have received ( if any ). I request that this matter be resolved promptly, as my creditworthiness is being unfairly impacted due to this negligence. 

Thank you for your time and attention to this matter. Please keep me informed regarding any updates or actions taken. 

Sincerely, [ 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 2025-03-05 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This company called me every single day all day, threatening, saying they were gon na do this. Take me to court. All kind of things stressing me harassing me. I lost the first job with them cause they were calling my job and now I made a second one they just caused me a lot of stress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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


FRAUDULENT ACCOUNTS : Account Name : BRIDGCREST # XXXX Account Name : LVNVFUNDG # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : TBOM # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-05 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, includes : -Conducting inadequate investigations that fail to address consumer disputes properly.

-Reinserting previously disputed and inaccurate information without explanation.

-Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, includes : -Conducting inadequate investigations that fail to address consumer disputes properly.

-Reinserting previously disputed and inaccurate information without explanation.

-Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe mishandled in a similar manner.

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 2025-03-05 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 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 XXXX XXXX. 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 2025-03-05 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: GA

Complaint narrative:
I am filing this complaint to address Equifax 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, Equifax reinstated fraudulent accounts without providing a valid reason. 

These fraudulent accounts consist of a loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under th account number XXXX, a credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and credit card opened at XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. 

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations. l 've attached all required documents for you to properly process my request in accordance with FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
Experian 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 experian, 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 Experian has neither corrected, nor removed disputed 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 's inaction violates federal law, and my rights as a consumer.

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 2025-03-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( Account : XXXX ), XXXX XXXX ( Account : XXXX ), XXXX  XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX  ( Account : XXXX ), XXXX ( Account : XXXX ) has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
One day I just went to log into my account and it was closed they didn't even send me a notice or anything and then they told me that I violated my terms and conditions with the investing with the stocks and stuff they never even gave me any information I didn't do anything there is not one transaction that I made that has been in violation and now my direct deposit for my income tax is getting sent there and it's going to be sent back I'm going to sue these people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: OK

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts on my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. As per USC 1681g, I formally ask for their deletion within 15 days. The relevant documents are included for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
filed a dispute every month to have my address updated. Address was reported from lienholder as physical address of dealership. Option to update current and correct address enabled after multiple attempts to dispute. Experian allowed lienholder to report erroneous information after I submitted supporting documentation. 
Auto Loan balance fluctuated to more than original amount, my consumer rights were violated and account remained on report to show delinquent after property was surrendered not reposessed. The property was returned before the loan was reported to credit report. Experian did not honor dispute in my favor that no credit inquiry was conducted from leinholder and remained to keep auto loan on credit report after dispute with no further investigation to resolve. Dispute continued to be closed within 7 days

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 2025-03-05 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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