vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/year>, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/year>, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX AV XXXX, CA XXXX Social Security Number : XXXX Date of BirthXXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within XXXX  days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off accounts listed below. After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
I made payments from my chime account to my daughter who has a cash app card XXXX the XXXX the first payment {$150.00} the thursday evening the friday morning the second payment was made of the amount of {$300.00} the money is usually claimed between my daughter and my sister via chase or cashapp, i usually send it using her telephone number. 
My sister only confirmed the Friday morning that she hasnt received both amounts and thats when I called chime to log the disput they denied and refuse to assist me saying its negligence a friend of mine whos details are on the attachments confirmed that he had received the money but was told by chime not to refund untill they did their investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
I have identified several unauthorized items on my credit report, suggesting possible identity theft. Since I did not approve these accounts, I am formally requesting their immediate removal. Although I previously reported this issue, it remains unresolved and continues to cause me considerable distress. These inaccurate accounts misrepresent my credit history and financial management. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights. The presence of these erroneous items is significantly hindering my financial goals, including purchasing a home and supporting my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXXXXXX  ( Original Creditor : XXXX XXXX   ) XXXX Balance {$1400.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$3400.00} XXXXXXXX  ( Original Creditor : XXXX XXXX   ) XXXX Balance {$1400.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I am writing to formally request that you cease and desist all communication and collection activities regarding the account referenced above. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication from your company under certain conditions. 
Please consider this letter a formal request for the following : XXXX. Immediate cessation of all phone calls, letters, or any other forms of communication regarding the debt. 
XXXX. A written statement confirming that you will no longer pursue collection efforts. 
This request does not acknowledge the validity of the debt, and I am not admitting any liability or responsibility. This is simply a request to stop the collection activities. If you continue to contact me after receiving this request, you may be in violation of the FDCPA, and I will pursue appropriate legal actions. I also request that any information regarding this account be reviewed for accuracy, as I dispute the validity of the debt and reserve the right to request further documentation. 

XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX ( b ) XXXX XXXX Code XXXX Please provide written confirmation of your receipt of this letter and your intention to comply with my request. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-24 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-03-24 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: IL

Complaint narrative:
I have come across several unfamiliar items on my credit report, which leads me to believe that my identity may have been stolen since I did not authorize these accounts. I have previously reported this issue and am now formally requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress, as they inaccurately represent my credit history and financial management. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to pursue legal action to protect my rights. These incorrect items are severely hindering my financial goals, including purchasing a home and providing for my family. I urge you to address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally notify you of the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), in relation to the reinvestigation of my credit report. 

The violation happened on the following accounts : XXXX XXXX | Acct # XXXX XXXX. Violation of 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting As per 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy and integrity of the information you report in my credit file. I have identified significant inaccuracies on my credit report, and upon disputing the errors, I found that you did not take sufficient or reasonable steps to ensure the information was properly investigated, verified, or corrected. This failure to ensure accurate reporting constitutes a violation of my rights under this section of the FCRA. 

2. Violation of 15 U.S.C. 1681i ( a ) Inadequate Reinvestigation Under 15 U.S.C. 1681i ( a ), when a consumer disputes any information on their credit report, the credit bureau is required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving the dispute. However, I have submitted disputes regarding inaccuracies in my credit report, and after reviewing the results of your investigation, it is clear that you failed to conduct a proper and thorough reinvestigation of the disputed information. You did not verify the accuracy of the items in question, and as a result, the errors on my credit report were not corrected. 

This failure to conduct a reasonable investigation, as well as your failure to properly verify the disputed information, is a violation of my rights under the FCRA. Additionally, you have not provided me with the necessary documentation or evidence that supports the information currently being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally notify you of the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), in relation to the reinvestigation of my credit report. 

The violation happened on the following accounts : XXXX XXXX | Acct # XXXX XXXX. Violation of 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting As per 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy and integrity of the information you report in my credit file. I have identified significant inaccuracies on my credit report, and upon disputing the errors, I found that you did not take sufficient or reasonable steps to ensure the information was properly investigated, verified, or corrected. This failure to ensure accurate reporting constitutes a violation of my rights under this section of the FCRA. 

2. Violation of 15 U.S.C. 1681i ( a ) Inadequate Reinvestigation Under 15 U.S.C. 1681i ( a ), when a consumer disputes any information on their credit report, the credit bureau is required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving the dispute. However, I have submitted disputes regarding inaccuracies in my credit report, and after reviewing the results of your investigation, it is clear that you failed to conduct a proper and thorough reinvestigation of the disputed information. You did not verify the accuracy of the items in question, and as a result, the errors on my credit report were not corrected. 

This failure to conduct a reasonable investigation, as well as your failure to properly verify the disputed information, is a violation of my rights under the FCRA. Additionally, you have not provided me with the necessary documentation or evidence that supports the information currently being reported.

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 2025-03-24 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: Self Financial Inc.
State: TX

Complaint narrative:
I recently discovered an account from Self Financial/Lead Bank on my credit report that I did not open or authorize. This account was reported as a secured loan with an original balance of {$720.00} and included XXXX late payments. I have no knowledge of this account and did not consent to its creation. 

Upon noticing this fraudulent account, I contacted the credit bureaus and the company to request validation, including proof of the original agreement with my ink signature. Despite my request, the company has failed to provide sufficient documentation proving that I am responsible for this account. 

This false reporting has negatively impacted my credit score and financial standing. I am a victim of identity theft and am formally disputing this account under the Fair Credit Reporting Act ( FCRA ). I am requesting its immediate removal from my credit file. Additionally, I am seeking compensation for damages caused by this inaccurate reporting. If this matter is not resolved promptly, I will escalate my complaint further. " *

Company response to consumer: Closed with explanation