vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
Subject : Response to Your Inadequate Reply CFPB Complaint No. XXXX To Whom It May Concern : I am writing in response to your letter regarding my CFPB complaint ( No. XXXX ). Your response is entirely inadequate and fails to address the actual issue raised in my complaint : your inaccurate reporting on my credit file. Your insistence on requiring a police report clearly indicates that you did not properly review the nature of my dispute. This is unacceptable and constitutes a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ). 

As I stated in my original dispute, I submitted an FTC Identity Theft Report along with my disputes to the credit bureaus due to multiple data breaches in which my personal and financial information was compromisedincluding breaches involving the credit bureaus themselves. I specifically requested that all accounts on my credit report be properly validated. Rather than conducting a thorough investigation as required, you have attempted to shift the burden back to me by demanding documentation ( i.e., a police report ) that is not required under the FCRA.

Pursuant to 15 U.S. Code 1681s-2 ( b ), once you receive notice of a dispute from a credit bureau , you are legally required to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. Your failure to do so is a direct violation of the FCRA. Furthermore, knowingly continuing to report inaccurate information after failing to verify its accuracy may constitute willful noncompliance, making you liable for statutory damages under 15 U.S. Code 1681n.

Accordingly, I demand that you : Immediately delete the disputed account from my credit report due to your failure to verify its accuracy. 

Cease all further reporting of this account to the credit reporting agencies. 

Provide written confirmation of deletion within 10 days of the date of this letter. 

Please govern yourselves accordingly. If this matter is not resolved promptly, I am prepared to pursue all available legal remedies.

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 2025-04-05 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: MD

Complaint narrative:
Subject : Response to Your Inadequate Reply CFPB Complaint No. XXXX To Whom It May Concern : I am writing in response to your letter regarding my CFPB complaint ( No. XXXX ). Your response is entirely inadequate and fails to address the actual issue raised in my complaint : your inaccurate reporting on my credit file. Your insistence on requiring a police report clearly indicates that you did not properly review the nature of my dispute. This is unacceptable and constitutes a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ). 

As I stated in my original dispute, I submitted an FTC Identity Theft Report along with my disputes to the credit bureaus due to multiple data breaches in which my personal and financial information was compromisedincluding breaches involving the credit bureaus themselves. I specifically requested that all accounts on my credit report be properly validated. Rather than conducting a thorough investigation as required, you have attempted to shift the burden back to me by demanding documentation ( i.e., a police report ) that is not required under the FCRA.

Pursuant to 15 U.S. Code 1681s-2 ( b ), once you receive notice of a dispute from a credit bureau , you are legally required to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. Your failure to do so is a direct violation of the FCRA. Furthermore, knowingly continuing to report inaccurate information after failing to verify its accuracy may constitute willful noncompliance, making you liable for statutory damages under 15 U.S. Code 1681n.

Accordingly, I demand that you : Immediately delete the disputed account from my credit report due to your failure to verify its accuracy. 

Cease all further reporting of this account to the credit reporting agencies. 

Provide written confirmation of deletion within 10 days of the date of this letter. 

Please govern yourselves accordingly. If this matter is not resolved promptly, I am prepared to pursue all available legal remedies.

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 2025-04-05 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: LA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXXXXXX XXXX  XXXX XXXX BALANCED {$320000.00} XXXX XXXX XXXX XXXX BALANCED {$29000.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$510.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXXXXXX XXXX BALANCED {$3600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$9600.00} Original Creditor : XXXX XXXX XXXX BALANCED {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
This CFPB complai

nt 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. I am filing this FTC Identity Theft Affidavit to report 1 frau
dulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Collection opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from 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 all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: 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, 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 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 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 2025-04-05 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: CA

Complaint narrative:
I call the company to dispute the charges and the gave me a different name to the account and billing address. They asked me for my information but I didnt want to give them much because it felt like they were taking my information down. Ive tried multiple times disputing this matter and I really need this off my credit report. Please need this resolved thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/XXXX my social security check was deposited to my account and I placed a call to the bank current bank financial due to me not being able to access my account the bank advised me that they will not give me access to my account because my phone number was not on the account I requested for the original number that address be verified to prove my identity and also providing ID holding the selfie sent to the current financial Bank supporting my identity of being the account holder there were multiple transactions transfer from my account to an cash up account under the name XXXX XXXX multiple {$200.00} transactions from the time my check was deposited from social security for XXXX I advise the bank that I had seen the transactions do to me having my account linked to another account where I can see the money was deposited and taken out I sent over documentation supporting my claim and made several attempts to advise the bank that my check is being spent they didn't deny giving me access to my account until all of the funds were gone and when I gained access to the account the bank didn't advise me that they would be replacing my funds which they have not done I've been getting emails from the current Banks saying they found where my account had been compromised and still have not refunded my deposit from social security

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
i recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
This letter is because I was just notified of accounts added to my consumer report that I did not apply for nor recognize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts are fraudulent and I ask to be removed. In addition, please place a afraud alert under my name to avoid future consequenses. Thank you for your important time in this matter.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: MS

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX DIST EMPLOYER - UNITED STATES XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-04-05 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: MO

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned inquiries. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed inquiries above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-05 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: MD

Complaint narrative:
I am submitting this complaint because Experian continues to report a negative collection account ( Account # ending in XXXX ) associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite submitting a formal dispute and requesting a thorough reinvestigation under my rights afforded by the Fair Credit Reporting Act ( FCRA ), Experian has not removed this item or provided evidence of any meaningful reinvestigation. 

The same account was previously reported to all three credit bureaus. However, both XXXX and XXXX have since removed this account from my credit report. My XXXX report ( attached ) clearly shows the item is marked as " Consumer Disputes This Account Information '' and also indicates a collection balance of {$540.00} linked to the original creditor, XXXX XXXX XXXX. However, there is no documentation or verification provided to justify Experians continued reporting of this account. 

Under FCRA Section 611, a credit reporting agency must conduct a reasonable investigation when a consumer disputes an item. Simply verifying data electronically with the furnisher, without obtaining substantive documentation, does not meet the legal threshold of a reasonable reinvestigation. Furthermore, continuing to report a disputed item without proper verification can be considered willful noncompliance and can cause measurable consumer harm. 

This inaccurate reporting has affected my credit score and ability to qualify for credit products, and I am concerned that Experian is not upholding its obligation under federal law to ensure the maximum possible accuracy of the information they report. The fact that the other major bureaus have removed the same item suggests a lack of consistency and reliability in Experians handling of disputes.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-05 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$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