vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: OH

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 accounts that are mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma says I am pre approved for loans to consolidate debt and each loan company denies me and my credit is ran and lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Well, I've lost my wallet, or it was actually stolen from me,,,, I reached out to my credit cars companies asking to cancel my cards and resend another,,,,, Before they did anything about it, the card companies requested payments,, which i felt was unfair if I didn't physically have my credit cRds to even make purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

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 2025-01-29 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 appreciate your swift action in removing some of the fraudulent accounts from my credit report. However, it has now been over a month, and you have failed to take action regarding the following fraudulent accounts : XXXX XXXX XXXX XXXX Personal Loan {$9900.00} balance XXXX XXXX XXXX XXXX XXXX {$32000.00} balance XXXX XXXX XXXX Account # XXXX {$3200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX Account # XXXX {$5900.00} balance** Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate and remove fraudulent information promptly. Your continued failure to do so violates the following FCRA provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requires reinvestigation of disputed information within 30 days. You have exceeded this deadline. 
XXXX XXXX. XXXXXXXX XXXX XXXX  ) Mandates the blocking of information resulting from identity theft without delay once proper documentation is provided. 
XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Provides for legal action and statutory damages against agencies that negligently or willfully fail to comply with FCRA obligations. 
Since I have already provided an FTC Identity Theft Report and other supporting documentation, my dispute is fully documented. If these fraudulent accounts are not immediately and permanently removed, I will have no choice but to pursue legal action to enforce my rights under the FCRA and seek damages for noncompliance. 

Consider this my final request. I expect written confirmation of the deletion of these accounts without further delay.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
EXPERIAN had a massive Data Breach. Please check the information concering 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 2025-01-29 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DON'T HAVE A VALID SOCIAL SECURITY NUMBER AND ALL MY LOANS A CREDIT THAT I HAVE IS WITH MY ITIN I AM TRYING TO GET A MORTGAGE LOAN TO BUY A HOUSE AND THE BACK IS TELLING ME THAT THEY CAN'T SEE MY INFORMATION ON THE TRANSUNION CREDIT BUT THEY CAN SEE IT ON 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 2025-01-29 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: IL

Complaint narrative:
I DON'T HAVE A VALID SOCIAL SECURITY NUMBER AND ALL MY LOANS A CREDIT THAT I HAVE IS WITH MY ITIN I AM TRYING TO GET A MORTGAGE LOAN TO BUY A HOUSE AND THE BACK IS TELLING ME THAT THEY CAN'T SEE MY INFORMATION ON THE XXXX CREDIT BUT THEY CAN SEE IT ON 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 2025-01-29 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:
This is my third formal dispute against Experian regarding its continued reporting of a fraudulent XXXX XXXX. account, despite my prior disputes and requests for corrective action. Experians failure to respect my opt-out request for sharing and reporting this account constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ) under its Privacy Rule ( 16 CFR Part 313 ) and the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ). XXXX did not provide me the opportunity to opt out, and by continuing to report the account, Experian is perpetuating privacy violations under federal and state laws. Under the GLBA, I have the right to opt out of sharing my personal financial information with third parties. Experians failure to honor this request and ongoing reporting of inaccurate and disputed information violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681c and 1681s-2, which require the accurate and timely reporting of consumer information. Moreover, the reinsertion or continued reporting of this fraudulent account without proper notice violates FCRA section 1681i ( a ) ( 5 ) ( B ), which mandates that consumers be notified of any reinserted information after a dispute. This failure to correct errors, combined with the ongoing sharing of personal financial information without my consent, directly contradicts Experians obligations to ensure maximum possible accuracy as required under FCRA section 1681e ( b ). Additionally, these actions contribute to identity theft-related harm under 15 U.S.C. 1681a ( q ) ( 3 ) and show noncompliance with the CFPBs regulations on dispute handling and consumer protection under 12 U.S.C. 5531. I demand immediate removal of the XXXX account from my credit report and cessation of unauthorized reporting. Failure to act promptly will leave me no choice but to escalate this matter, including filing complaints with the CFPB, state authorities, and pursuing legal remedies for damages under 15 U.S.C. 1681n and 1681o. I expect a written response within 14 days confirming the removal of the account and outlining the corrective measures taken to ensure compliance with consumer protection 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 explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-01-29 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:
XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Theres a bill for insurance payment from XXXX that credit collections CCS in Massachusetts is holding but the company didnt allow me to dispute nor did they allow me to negotiate and it remains in my credit report and the company wont communicate to resolve it. I sent a letter to their registered agent and it was returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX XXXX Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX & Experians actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX XXXX Experian complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXXXXXX 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 2025-01-29 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX - XX/XX/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The XXXX XXXX  XXXX XXXX located in XXXX XXXX, CT, plays an essential role in delivering a wide array of services and resources pertinent to XXXX  cases within the XXXX XXXX Connecticut. Under the leadership of Chief Judge XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, the court facilitates access to various information, forms, and support for both creditors and debtors, promoting an orderly and effective bankruptcy process. The court clerk has indicated that the court does not share information with any credit bureau, which is the basis for my request to have the erroneous information removed from my credit 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 2025-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: FL

Complaint narrative:
please help. Im a XXXX person AND 100 % XXXX veteran on a very low fixed income veteran and U.S. BANK of XXXX, MN. is refusing to help or making it very difficult for me to get rid of my condo, short sell or deed in lieu. I was on a 3 MONTH hurricane forbearance, however now the bank wants an exorbitant sum of XXXX $ to catch up and provides NO options. US BANK is EXTREMELY hard to reach on the telephone their representatives are rude, cruel, evil, and insensitive to persons with XXXX, and they REFUSE to help in any manner. In addition Im afraid they will not allow a short sell or deed-in lieu due to owing money to the condo association and the state of Florida XXXX XXXX program. Im WELL behind on my condo fees due to the EXORBITANT state insurance requirements and cant catch up. This is a veterans administration loan and the VA also refuses to help. I REFUSE TO HEAR US BANK BULL FECAL RESPONSES, AS THEY STAND TO MAKE UP TO XXXX DOLLARS FROM THE VA LOAN GUARANTEE IF I HAVE TO DEFAULT. I WILL BE HOMELESS AND THEIR DIRTY EVIL CEO AND THEIR STADIUM WILL BE WEALTHY!! I can no longer afford this condo on a fixed low income and need to get rid of the condo. US BANK will ruin my credit such that I can never house myself again for 7 years after a foreclosure and will be homeless! So therefore, I hope this dirty evil bank is happy.. I believe US BANK WILL NOT allow a short sell or deed-in lieu due to condo fees and florida XXXX XXXXXXXX program on the condo! I am having health problems and US BANK is exacerbating them being extremely difficult and providing little to no options. I have reported U.S. BANK to XXXX XXXX 's office, the Florida attorney general, the CFPB, the FDIC and the 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