vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 ( 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 of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
There is a lot of inaccurate information I been trying to dispute with no response.

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 2025-02-06 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: PA

Complaint narrative:
Today, I discovered that my credit report contains inaccurate accounts, and I have no clue why. I routinely check my credit report, but this time, there were unexpected inconsistencies. Hoping it was just a display issue, I refreshed my browser, yet the incorrect accounts remained. Due to this problem, I kindly ask for a thorough review of the documents I submitted so that I no longer have to worry about it.

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 2025-02-06 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: SC

Complaint narrative:
I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies. 

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure. 

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least XXXX  years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 14 days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: SC

Complaint narrative:
I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies. 

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure. 

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least XXXX  years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 14 days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.

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 2025-02-05 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: NJ

Complaint narrative:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-05 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: MS

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my credit reports from XXXX, XXXX, and TransUnion and found multiple inaccuracies related to my personal information. These errors include incorrect names, addresses, and employers that do not belong to me. I submitted formal disputes to each credit bureau, requesting the correction of this information under my rights established in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). However, the credit bureaus failed to properly investigate and correct these inaccuracies within the legally required timeframe.

These errors have caused harm to my credit profile by misrepresenting my identity and potentially linking me to fraudulent activities. Additionally, outdated and incorrect phone numbers remain on my report, increasing my risk of identity theft and unsolicited communications.

Under 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy in consumer reports. Their failure to do so violates federal law and affects my financial opportunities. I also requested that any deletions be communicated to other credit bureaus under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), yet I have not received confirmation that this requirement was met.

I am requesting immediate corrective action to ensure compliance with the FCRA.

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 2025-02-06 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: CA

Complaint narrative:
I reviewed my credit reports from XXXX, XXXX, and TransUnion and found multiple inaccuracies related to my personal information. These errors include incorrect names, addresses, and employers that do not belong to me. I submitted formal disputes to each credit bureau, requesting the correction of this information under my rights established in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). However, the credit bureaus failed to properly investigate and correct these inaccuracies within the legally required timeframe.

These errors have caused harm to my credit profile by misrepresenting my identity and potentially linking me to fraudulent activities. Additionally, outdated and incorrect phone numbers remain on my report, increasing my risk of identity theft and unsolicited communications.

Under 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy in consumer reports. Their failure to do so violates federal law and affects my financial opportunities. I also requested that any deletions be communicated to other credit bureaus under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), yet I have not received confirmation that this requirement was met.

I am requesting immediate corrective action to ensure compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: WA

Complaint narrative:
I'm writing to dispute the fraudulent accounts on my XXXX credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). These accounts were reported as charge offs : XXXX XXXX {$4700.00} no response XXXX XXXX XXXX $ XXXX response XXXX XXXX XXXX XXXXXXXX no responsXXXX XXXX XXXX XXXX XXXXXXXX response, XXXXXXXX XXXX XXXX XXXXXXXX, no response and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$650.00} XXXXXXXX XXXX  XXXX no response Furthermore as for Law 605B, these fraudulent accounts should be eliminated from my credit report. I request that these items be removed in 30 days of this letter as mandated by FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/year> Subject : Unauthorized Fraud Alert Placed on My Credit Profile Complaint Summary : I am filing a complaint regarding an unauthorized fraud alert that has been placed on my credit profile by Experian, Equifax, and TransUnion. I did not request, authorize, or instruct any of the credit bureaus to place a fraud alert on my credit file, and I am experiencing ongoing issues as a result of this erroneous alert. The fraud alert is causing problems in obtaining credit, and despite contacting all three bureaus to have the alert removed, no action has been taken to resolve the issue.

Details of the Situation : Fraud alert was placed on my credit profile by Experian, Equifax, and TransUnion without my consent.

I have never contacted any of these credit bureaus to request such an alert or provide any instructions regarding my credit. 
I have reached out to each of these bureaus to have the fraud alert removed, but no satisfactory resolution has been provided. 
The existence of the fraud alert is interfering with my ability to obtain credit, which has caused significant inconvenience. 
Requested Resolution : I request that the fraud alert be immediately removed from my credit file, and that any negative impact caused by this incorrect alert be corrected. I also ask that each credit bureau provide me with written confirmation that the alert has been removed and that my credit profile has been restored to its proper state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> I discovered my debit and credit card were missing after going to XXXX XXXX of XXXXXXXX XXXX. I immediately went to the bank to secure my accounts. I called my daughter and she logged into my account at home and saw a pending charge for XXXX from XXXX. I called the XXXX XXXX  and proceeded to wait at the bank for over XXXX minutes without assistance. I was visibly distressed and other customers were concerned. Finally, a banker came out to inform everyone that they should use online banking. I told her someone was actively stealing my money and she sat me down at a table alone with a phone and a glass of water. Wells Fargo did nothing to secure my money. Upon speaking with a representative my accounts were secured, but the XXXX was removed from my checking account. The police were able to determine a woman used a fake ID at XXXX XXXX with a lock pick and opened my padlock. They were able to find and identify her at the gym and XXXX. 

The experience at Wells Fargo was horrible. I was told there was only a 50 % chance of my money being recovered. They immediately declined the charge on my visa but allowed XXXX to be used at XXXX without my PIN ( atypical behavior -I always use a PIN and never spend that much ). I was given no fraud alert concerning my debit card but received one for my Visa which the police used to pinpoint the exact time the criminal used my card. I feel like Wells Fargo was negligent.

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 2025-02-06 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:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, unexpected discrepancies showed up. I even refreshed my browser to see if it was a temporary glitch, but the errors remained. Given this issue, I request that the documents I have provided be carefully reviewed so that I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: SC

Complaint narrative:
ACCOUNT FROM XXXX IS ON MY ACCOUNT WITH BALANCE OF XXXX IT IS FRAUD AND NOT MINE I AM UNAWARE OF ANY ACCOUNT AS OF SUCH.

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 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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