vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
My credit has been ran multiple times from what I can see since XX/XX/XXXX - XX/XX/XXXX for credit cards/ hard and soft inquiries that I didnt authorize, anything with misspelling of name, wrong phone number or address, wrong place of current job to be removed, all so anything with my credit being ran from XXXX XXXX XX/XX/XXXX be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Five trade lines that have not reporting to consumer reporting agency. I filed a dispute to TransUnion on the XXXX of XXXX and they have not respond in the guard to this issue I'm providing the accounts that are currently reporting on my experience consumer reporting file and I would like these accounts investigators and to be reported all my TransUnion class when I spoke to TransUnion they told me that the data is not being reported from the data furnisher which this is incorrect because it is reported on my Experian consumer report these accounts are XXXX XXXX  XXXX XXXX  credit cards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card by 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 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
why is it hassle, why did it take so long, what's the hold up, what's the purpose offering the awards letter and bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/year> ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 receiving this complaint. 

This fraudulent, inaccurate, and false information includes the following accounts, collections, and inquiries appearing on my consumer credit report, which I do not recognize or have knowledge of : XXXX  XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$24000.00} XXXX  XXXX Account Number : XXXX Total Fraudulent Amount : {$7300.00} XXXX XXXX  ( XXXX  Accounts ) : Account Number 1 : XXXX Total Fraudulent Amount : {$53000.00} Account Number 2 : XXXX Total Fraudulent Amount : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$7500.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$6700.00} XXXX  Account Number : XXXX Total Fraudulent Amount : {$5000.00} XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$5800.00} Additionally, this fraudulent information has resulted in several hard inquiries and collections appearing on my consumer credit report maintained by you, including but not limited to inquiries related to the fraudulent accounts above. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer credit report maintained by you showing the fraudulent items. 

Furthermore, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the U.S. Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-01-26 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 submitting this complaint regarding Equifax failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Equifax has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : 1. [ Insert Account Name, Account Number, and Details ] | 2. [ Insert Account Name, Account Number, and Details ] I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Equifax has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

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 XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, has violated my rights.

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 an 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 non-monetary relief
Consumer complaint received 2025-01-26 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 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 Experians 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 2025-01-26 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:
Experian, XXXX and XXXX 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 2025-01-26 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: MS

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions Transunion consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Transunion actions may also contravene the CFPA,12 U.S.C . 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts listed below : 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 2025-01-26 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ) to review this complaint. The following accounts and requests only you can see information currently listed and showing on my Innovis consumer report is fraudulent accounts and not my requests only you can see information : XXXX XXXX, {$190.00}, XXXX XXXX XXXX XXXX {$470.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filling a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission. Trans Union 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, XXXX '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 against them for similar violations. I request that CFPB take action to ensure XXXX complies with the necessary proof if investigation.

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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-26 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: CT

Complaint narrative:
I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours ( File No. 2025-CFPB-0002 ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the civil liability claim for negligence referenced as XXXX XXXX. After reviewing the claim and associated documentation, I believe that the determination of liability is unjust and does not reflect the actual circumstances of the event in question. Below are the key points of my dispute : Factual Discrepancies : The claim alleges that my actions were negligent, but the circumstances surrounding the event are not accurately represented. [ Provide a brief summary of the facts from your perspective, including any evidence or witnesses that support your position. ] Absence of Negligence : It is my belief that the incident occurred without negligence on my part. [ Explain why you believe the incident was not caused by your negligence, providing any supporting evidence, such as safety measures you took, adherence to procedures, or lack of a duty of care. ] Mitigating Factors : Additionally, there are mitigating factors that must be considered, including [ mention any factors that reduce or eliminate your liability, such as weather conditions, unforeseeable events, or actions taken to prevent harm. ] Inadequate Documentation : The evidence provided does not substantiate the claim of negligence. [ If applicable, explain any gaps or inconsistencies in the documentation provided by the claimant. ] Given these points, I respectfully request that this claim be reviewed and reconsidered. I am open to discussing this matter further and am happy to provide additional evidence or clarification as needed. 

Please confirm the receipt of this letter and advise on the next steps in resolving this dispute. I look forward to a prompt and fair resolution of this matter. 

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission. Experian 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, Experian '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 against them for similar violations. I request that CFPB take action to ensure Experian complies with the necessary proof if investigation.

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 2025-01-26 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: GA

Complaint narrative:
An account listed as XXXX  is inaccurately reported on my credit report. It duplicates another account ( XXXX XXXXXXXX XXXX XXXX that is fully paid and closed. The negative entry resulted from transition issues between XXXX and XXXX, which disrupted my ability to make payments. I have provided Experian and XXXX with evidence of the duplicate reporting and request that the CFPB intervene to have this entry corrected or removed.

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 2025-01-26 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: IL

Complaint narrative:
**Subject : Complaint Against XXXX, XXXX XXXX Transunion with CFPB and Identity Theft Report** To Whom It May Concern, I am submitting a formal complaint against XXXX through the Consumer Financial Protection Bureau XXXX CFPB ). Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) to address issues surrounding my credit report and unauthorized disclosures of personal information.

**Background Details : ** - **Account Number : ** XXXX - Over the years, I have made numerous attempts to correct inaccuracies on my credit report. This includes submitting updated information via letters dated XX/XX/XXXX, and XX/XX/XXXX, as well as making multiple phone calls to XXXX to ensure my information is current and accurate. 
- Despite these efforts, my credit report continues to show incorrect details, including an address I have not lived at for years. 

**Identity Theft Report Filed : ** I have completed an identity theft report with the Federal Trade Commission ( FTC ) to address potential unauthorized activities associated with my personal information.

**Specific Concerns : ** 1. **Disclosures Without Permission : ** I have spoken with my lenders, including XXXX XXXX, advising them that they did not have my permission to disclose late payment information, as this is not public knowledge. These disclosures are in direct violation of 15 U.S.C. 6802, which requires my consent before sharing non-public personal information.

2. **Student Loan Reporting : ** I have contacted the XXXX XXXX XXXX  requesting the removal of my student loans from my credit report, as this information is severely damaging to my financial stability. 

**Impact on My Life : ** I am a mother of XXXX, and the inaccurate and damaging information on my credit report has caused significant hardship : - I have been declined rental opportunities for apartments near my childrens school due to my credit history and debt-to-income ratio. 
- As a result, I currently drive four hours daily to get my children to and from school, which has caused me physical and mental strain, including XXXX. 
- My poor credit report has led to multiple credit denials, further limiting my ability to provide for my family. 

**Request for Resolution : ** I am seeking immediate assistance to correct my credit report, remove inaccurate information, and address the violations of federal laws related to the handling and disclosure of my personal and financial information. The continued inaccuracies and unauthorized disclosures are significantly impacting my life and wellbeing. 

Please assist me in resolving this matter promptly. 

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 non-monetary relief