vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Formal dispute regarding inaccurate information on my credit report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I'm aware of my rights under the fair credit recording 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 outlined by the CFPB include : -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 inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review : XXXX ) XXXX XXXX XXXX XXXX. I called this company on numerous occasions. On XXXX Saturday i finally got through and the representative hung up. She then proceeded to hang up on me XXXX times after i continuously called. ****I am not exaggerating! ****never got contact that day. I also called them and managed to speak to someone. They ask you to pay XXXX for a credit report, which then triggers a XXXX monthly subscription fee by a 3rd party called identity iq I guess. 
I already reached out to sprint the original debtor. They claim that no record exists

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 2025-03-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Date Opened XXXX Account Name : XXXX XXXX  XXXX - Date Opened XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
please see the attached documents.. 
i send my 1st letter explainted, i was victim fo dta breahc and because of that i was victim of identity theft i have to many acocunt opend under my name.. i make in my dispute letter clear what was the account in mention..

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Research Inc
State: NV

Complaint narrative:
My credit score reached XXXX which was perfect because Im trying to buy a home. Some company picked up my student loan and dropped my credit scorXXXX XXXX points. The thing about it is my student loan had been on my credit report. The company deleted my student loan and then put it right back on my credit report making it look like a new inquiry. Honestly I feel like it as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was informed that my personal information was exposed under a security data breach and have since noticed several hard inquiries on my personal credit report that were placed there without my consent. The inquiries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Formal dispute regarding inaccurate information on my credit report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I'm aware of my rights under the fair credit recording 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 outlined by the CFPB include : -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 inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review : XXXX ) XXXX XXXX XXXX XXXX. I called this company on numerous occasions. On XXXX Saturday i finally got through and the representative hung up. She then proceeded to hang up on me XXXX times after i continuously called. ****I am not exaggerating! ****never got contact that day. I also called them and managed to speak to someone. They ask you to pay XXXX for a credit report, which then triggers a XXXX monthly subscription fee by a 3rd party called identity iq I guess. 
I already reached out to sprint the original debtor. They claim that no record exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Formal dispute regarding inaccurate information on my credit report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I'm aware of my rights under the fair credit recording 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 outlined by the CFPB include : -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 inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review : XXXX ) XXXX XXXX XXXX XXXX. I called this company on numerous occasions. On XXXX Saturday i finally got through and the representative hung up. She then proceeded to hang up on me XXXX times after i continuously called. ****I am not exaggerating! ****never got contact that day. I also called them and managed to speak to someone. They ask you to pay XXXX for a credit report, which then triggers a XXXX monthly subscription fee by a 3rd party called identity iq I guess. 
I already reached out to sprint the original debtor. They claim that no record exists

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 2025-03-31 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$41000.00} XXXX XXXX Balance Owed : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-31 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CO

Complaint narrative:
To Whom It May Concern, I recently contacted all three major credit bureausXXXX  XXXX, and XXXX certified mail, formally requesting specific documentation regarding a debt reported on my credit file. In my request, I asked for the following : 1. Proof of Ownership and Authority Documentation proving that the agency claiming the debt owns it and has the legal authority to collect.

2. Chain of Ownership A complete record tracing the ownership of the debt back to the original creditor.

3. Proof of Licensing Verification that the collection agency is licensed and bonded to collect debt in the states of Colorado or Texas.

4. Legally Required Notices Evidence that I was properly notified of this debt before it was reported to the credit bureaus. 


5. Full Account History A comprehensive report, including the date of first delinquency.

Despite my formal request and the requirement under the Fair Credit Reporting Act ( FCRA ) and other applicable laws for credit bureaus to investigate disputes and verify the accuracy of reported debts, none of the bureaus provided the requested documentation. This failure to respond with the appropriate verification raises concerns about the validity of the debt and their compliance with federal consumer protection laws. 

Given this lack of response, I request that this debt be immediately removed from my credit report unless verifiable proof can be provided. Please confirm the resolution of this matter in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-03-31 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: RI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: RI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-31 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: CA

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 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 2025-03-31 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-03-31 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Payment Status : Current XXXX  XXXX Date Opened : XX/XX/XXXX Payment Status : Current XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status XXXX Current XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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