vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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 Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the following accounts 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 explanation
Consumer complaint received 2025-02-06 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 Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the following accounts 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 explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am reaching out to dispute an account that was previously deleted from my credit report but has now reappeared, which constitutes a violation under 15 U.S.C. 1681i - FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). Under the Fair Credit Reporting Act ( FCRA ), once an account is removed, it can not be reinserted without proper notification and certification of accuracy from the data furnisher. I have not received any such notification, making this reappearance unlawful and damaging to my credit profile. 
This inaccurate reporting is negatively impacting my credit standing, which is particularly concerning as I am in the process of launching my own business and need access to funding. I formally request an immediate investigation and the permanent removal of this account from my report. Please provide written confirmation of your findings and any corrective actions taken within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) 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.

15 U.S. Code 1666b - 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 1637 ( b ) ( 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 non-monetary relief
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
Not updating accurate information nor investigating properly and taking major points from my credit score back to back, also had to call and have a Supervisor to contact XXXX XXXX as well to verify the error that still was being reporting on my report takin my points

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
XXXX credit card on my credit reporting of potentially negative on XXXX XXXX XXXX for 30 days late payment. 

15 U.S code 1681a ( 2 ) ( Ai ) 15 U.S code 1666b ( a ) 15 u.s code 6802

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 2025-02-06 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-06 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: PA

Complaint narrative:
I am not liable for this debt. Fact, that I am requesting books of accounts and financial and corporate records regarding this alleged debt pursuant to 15 usc 44.

" Documentary evidence '' includes all documents, papers. correspondence, books o ( iccount, a a financia @ nd corporate records. " Acts to regulate commerce '' means subtitle IV of title 49 and the Communications Act of 1934 |47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto. No such debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
My identity has been stolen. My personal information somehow has been leaked and I have unauthorized accounts on my credit report. Please help me, I have attached my ftc report. This is really stressful for me

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 2025-02-06 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: PA

Complaint narrative:
My identity has been stolen. My personal information somehow has been leaked and I have unauthorized accounts on my credit report. Please help me, I have attached my ftc report. This is really stressful for me

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please assist me in looking into accounts where companies have wrongly reported late payments. I reviewed my credit report and found inaccurate late payment notations on certain accounts. These accounts should not reflect any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MS

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. 
Accounts Impacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-06 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MT

Complaint narrative:
First, I will start with my issues regarding the Department of Education. 
In XXXX XXXX XXXX my student loans were forced into forbearance because I was on thXXXX XXXX repayment plan, which was blocked by a judge during this time. I have not been able to make any payments since. By XXXX XXXX XXXX, I had completed 118 of 120 payments qualifying me for XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX numerous times to see if there was anything I could do to get out of the forbearance and pay for two more months so I could apply for loan forgiveness. For a few months I was told there was nothing I could do. Then, I was told by a customer service agent that I could submit a " Reconsideration Request '' that would allow me to " buy back '' my final two months worth of payments. I did this on XX/XX/XXXX, as I was then at my 120 months of payments. I have not received a response since. I have tried multiple times to contact someone at the XXXX XXXX XXXXXXXX who knows what's going on with my request. I was told I needed to wait 45 business days from when I submitted the request. It has now been 81 days, with generous holiday allowances considered. Whenever I speak with someone through the online chat at the XXXX XXXX XXXX  they tell me they don't have access to this information. I have received XXXX correspondence when I try to submit a complaint. The last person I chatted with told me I should try to contact my other loan servicer because the XXXX XXXX XXXX  might be waiting on information from them, which leads me to : Mohela : I called them twice and waited on hold for 3 hours the first time, aXXXX XXXX XXXXurs the second time, and no one ever answered the phone. On XX/XX/XXXX, I submitted a complaint via email and was told I would receive a response, but I have not. 
I am trying to do all I can to simply get my last two months of student loans paid for so I can finally apply for XXXX XXXX XXXX XXXX, and no one can be bothered to help me. These past ten plus years, I have had to be constantly diligent as I'm passed from servicer to servicer, as repayment plans and laws change, and I have been provided with little to no help the whole way. It has been an absolute nightmare and I'm just trying to be done with dealing with these servicers. Unfortunately, because I am a public school teacher in the United States, I can't afford to just pay off my balance. I sure wish I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Recieved a Equifax data breach prepaid settlement e-mastercard for {$7.00} it does not work and when you contact the issuing company neither their phone service or web site help at all. I realize the amount is not much, but i hate getting ripped by a large corporation. When researching on line i came across a large amount of people with the same problem looks like they have known about the e-card problem and have not addressed it. Card issued by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
In XX/XX/year>, I submitted several disputes of items that were incorrect on my credit report. I do not believe a proper investigation was conducted since the incorrect items were not fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Not updating accurate information nor investigating properly and taking major points from my credit score back to back, also had to call and have a Supervisor to contact Capital One as well to verify the error that still was being reporting on my report takin my points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX - XXXX - XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request Account # XXXX Dear PXXXX XXXX Associates, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I formally request that you cease all communication with me regarding account # XXXX. 

If you believe I owe this debt, provide : Proof of the original signed agreement Complete payment history Proof of your authority to collect Failure to validate this debt may result in complaints filed with regulatory agencies. Please confirm receipt and compliance within 30 days. 

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I filed a dispute on { XXXX XXXXXXXX, Citi Cards/Citibbank and XXXX XXXX XXXX XXXX XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.

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 2025-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed a dispute on { Capital One, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to a letter I received from the clerk of court, they do not report information to or remove information from credit bureaus. This contradicts the information currently listed on my report. 

Since the court does not verify or provide this data, I request that you investigate the source of this information and provide documentation verifying its accuracy. If you can not verify the bankruptcy with an original source, I ask that you promptly remove it from my credit file. 

I have attached a copy of the letter from the clerk of court for your review. Please update my records accordingly and provide written confirmation of your findings. 

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

Company response to consumer: Closed with explanation