vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
This account have resulted in a fraudulent chargeoff appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made, or initiated by me.The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> [ Credit Reporting Agency Name ] [ Agency Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under FCRA ( 15 U.S. Code 1681o ) Dear [ Credit Reporting Agency Name ], I am writing to formally dispute the accuracy of certain information contained in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all reported information is accurate and that proper procedures are followed. 

Specifically, I am disputing the following entry/entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe this information is inaccurate and may have been reported or maintained negligently, which constitutes a violation under 15 U.S. Code 1681o. Please conduct a prompt investigation into this matter and provide me with the results of your findings.

To support my dispute, I am attaching copies of the following documents ( please see enclosed ) : [ List supporting documents, e.g., payment records, correspondence with the creditor, etc. ] I kindly request the following actions : 1. Removal or correction of the inaccurate information.

2. Written confirmation that the disputed information has been corrected or deleted.

3. An updated copy of my credit report once the investigation is complete.

Please acknowledge receipt of this dispute letter within five business days as required by the FCRA. Additionally, I expect the investigation to be completed within 30 days, as mandated by federal law.

Should your agency fail to comply with these requirements, I may pursue legal remedies as outlined in 15 U.S. Code 1681o, which includes civil liability for negligent noncompliance.

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

Sincerely, [ Your Full Name ] [ Your Contact Information ] Enclosures : [ List of attached documents ] Key Tips : Send this letter via certified mail with a return receipt requested to have proof of delivery. 
Keep a copy of the letter and all enclosures for your records.

If the issue isnt resolved, you may consider escalating the matter to a consumer protection attorney or filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Let me know if youd like further assistance refining this letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: MO

Complaint narrative:
Car financial has been harassing me, causing XXXX  and physical problems since they stole my information and claimed they own my car I bought through XXXX XXXX. They are hurting me financially and want more money for a vehicle that is already paid off. All documents have been submitted and NO ONE is listening. There are over 86 complaints on them for this exact thing. They never held my title to my car. I have provide all documents and they repeat the same documents that have been provide by ME!!! They have not provide any contacts between them and I with their letter head and my signature.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Car financial has been harassing me, causing mental and physical problems since they stole my information and claimed they own my car I bought through XXXX XXXX. They are hurting me financially and want more money for a vehicle that is already paid off. All documents have been submitted and NO ONE is listening. There are over XXXX complaints on them for this exact thing. They never held my title to my car. I have provide all documents and they repeat the same documents that have been provide by ME!!! They have not provide any contacts between them and I with their letter head and my signature.

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 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Dispute Letter Concerning Data Breach To Whom It May Concern I am writing to formally dispute the potential misuse of my personal information following the recent data breach at, EXPERIAN which was reported I have reason to believe that my personal data, including but not limited to [ list any affected data : Social Security number, bank account information, email address, etc. ], was compromised. As a result, I am concerned about unauthorized transactions, identity theft, and the long-term impact on my financial and personal security.

To ensure my rights and privacy are protected, I kindly request the following actions : 1. Immediate Investigation : Conduct a thorough investigation into how my data was handled and any potential misuse of it.

2. Mitigation Steps : Provide a detailed account of what steps have been taken to contain and mitigate the data breach.

3. Monitoring Services : Enroll me in identity theft protection and credit monitoring services free of charge for a minimum of [ 1-2 years ] to safeguard my information.

4. Proof of Security Updates : Share a summary of actions taken to prevent future breaches and ensure my personal data is secure.

5. Verification of Data Use : Confirm if my personal information has been accessed or misused and, if so, provide detailed records of such activity.

Additionally, I would like to exercise my rights under applicable data protection laws, such as the [ mention any relevant laws like XXXX, GDPR, or other laws in your region ], to request : Copies of any data you have on file related to me. 
Deletion of my personal data if it is no longer necessary for legitimate purposes. 

Please acknowledge receipt of this letter within [ XXXX business days ] and provide a comprehensive response addressing the concerns mentioned above within [ XXXX calendar days ]. 

If no satisfactory resolution is reached, I reserve the right to file complaints with the relevant authorities or seek legal action to protect my interests. 

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

Sincerely, XXXX XXXX XXXX XXXX Let me know if you need help tailoring this further!

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 2025-01-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Experian Information Solutions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern : I am writing to formally dispute inaccurate information of my credit report. This dispute is submitted under the Fair credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have XXXX transactions I disputed and they are all the same company different processors but they issued a refund on XX/XX/XXXX I have proof and I still havent received the money and I have disputes open on all of them pleaS get me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest " savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I honestly can't believe this is happening. As someone who follows the law, it's incredibly frustrating and insulting to have my rights as a consumer violated like this. There are fraudulent charges on my credit report that I never benefited from, and despite reporting them to the Federal Trade Commission, they still havent been removed. Its causing me so much stress and anxiety.

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 2025-01-24 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: VA

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 2025-01-24 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$510.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX  XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$870.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 2025-01-24 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: KS

Complaint narrative:
Beginning XX/XX/XXXX through XX/XX/XXXX, Experian has not provided information regarding their investigation reports, verification process, and has continued to wilfully report damaging information on my consumer report. Their negligence has caused significant negative impact on my credit approval. I have made many attempts in requesting the accounts in dispute be investigated, all of which have seemingly been ignored.

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 2025-01-24 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: FL

Complaint narrative:
Equifax, I am deeply frustrated by your failure to properly investigate my disputes, which appears to involve multiple violations of the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure the accuracy of consumer reports and conduct timely and reasonable investigations. Your actions, or lack thereof, seem to violate several provisions. These include failing to conduct a reasonable reinvestigation of disputed information within the required 30-day period, failing to notify data furnishers of my disputes promptly so they could verify the accuracy of the information, and failing to delete or correct inaccurate or unverifiable information within the required timeframe.

Additionally, you have failed to notify me of the results of the reinvestigation within five business days after its completion and have not provided me with the contact information of any furnishers involved in the reinvestigation. This is further compounded by the failure to ensure that data furnishers conducted their own investigations in response to disputes and to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. 

Your lack of compliance has caused harm to my credit and financial well-being. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take immediate action to hold Equifax accountable for non-compliance. If this matter is not resolved promptly, I will explore further remedies, including filing complaints with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Im failing a complaint against Equifax for failing to properly reinvestigate my disputes regarding inaccuracies on my credit report dispute my submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Heres a rewritten version of the text for your credit repair dispute : I am filing a complaint against XXXX for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting supporting evidence, XXXX consistently responds within 24 hours, claiming the account is accurate, without demonstrating evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as outlined in the CFPBs recent administrative actions. as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of 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