vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hors stating the account is accurate, without providing any evidence if a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's Recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hors stating the account is accurate, without providing any evidence if a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's Recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They continue to use old information against me, and my information has been exposed to others ( 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

The following accounts are as follows 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to fix my credit report and sent multiple dispute letters to Experian regarding inaccurate accounts. Despite my efforts, Experian has failed to investigate and correct these inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information. 

15 USC 1681s-2 : Failure to investigate and correct disputed information reported by furnishers. 

15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information after a dispute. 

15 USC 1681c ( c ) : Reinserted or retained outdated or harmful information. 


I recently became aware of the CFPB lawsuit against Experian for conducting sham investigations of consumer disputes, which aligns with my experience. Their negligence has harmed my creditworthiness, impacting my ability to secure credit, employment, and housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed a negative account on my report to XXXX experian and XXXX XXXX all three saying they investigated and have no proof to show. Just saying the information is accurate but now saying how the investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TIDEWATER FINANCE COMPANY, INC.
State: AE

Complaint narrative:
I was up for updating my security clearance for the XXXX XXXX when I was notified that debts were in question. I had documents regarding the other debts. But for XXXX XXXX XXXX and tide waterTidewater Motor Credit, I can't get a reply anywhere haven't received any notifications or mail in regards to this debt, when I've tried calling these companies they either do not give me any information or I can't locate them due to them being bought out by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Did Disputes on old closed cases, along with inaccurate late payments on closed cases, and companies selling my information after charge offs, sent letters for 1099, responses were not met & its a violation of my rights .All 3 Credit Bureaus Nothing was removed from my Credit report all still negative including closed & charge offs.

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

Complaint narrative:
This account was removed from XXXX and XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA, XXXX Re : Dispute of Reinserted Account - Request for Immediate Removal Dear TransUnion, I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXXXXXX XXXX XXXXXXXX The account was removed from my credit report as of XXXX/XXXX/XXXX, as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. 
I have proof of the account 's previous removal, including a copy of the accounts removal, and a copy of the removal from the other bureau. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are copies of the proof of removal and any other relevant documentation supporting my request. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filling this complaint against Experian for failing to proper investigate my disputes regarding inaccuracies in my credit report despite my submissions. 
This company refuses to provide a form 1099 C since more than two years ago to properly file my taxes to the IRS and be able to properly discharge my debt. 
Im kindly requesting that CFPB take action to ensure Experian complies with federal law, and provides prosper consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
1. Multiple Hard Inquiries : In XXXX, I purchased an automobile from XXXX XXXX XXXX. During this process, multiple inquiries were made to my credit file without my full knowledge or consent. The inquiries were made by XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX, all dated XX/XX/XXXX. The only inquiry that is correct is XXXX XXXX which is who I financed with. Under the FCRA ( 15 U.S.C. 1681b ), credit inquiries must be authorized and have a permissible purpose. These redundant inquiries negatively impact my credit score and were not fully disclosed to me at the time of the transaction. In addition, I request the immediate deletion of these inquiries from my credit report under the premise of unauthorized access and procedural non-compliance. 
2. Mortgage Payment Reporting Error : We have been paying our mortgage as agreed since the inception of the loan, consistently making payments in advance. The mortgage company was scheduled to begin automatic deductions for XX/XX/XXXX, but they failed to do so. As a result, I manually made the payment on XX/XX/XXXX, and subsequently paid XXXX 's amount on XX/XX/XXXX. Despite this, the credit bureaus are inaccurately reporting a late payment for XX/XX/XXXX. Under the FCRA ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure maximum possible accuracy of the information they report. I have previously provided proof of payment and request immediate removal of this incorrect late payment reporting as it does not reflect the true status of my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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. XXXX ) 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. 

These are the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
ZIONS DEBT HOLDINGS Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info This is from XXXX. ( 1 ) There is nothing informing who the original creditor was, ( 2 ) no date of alleged debt. ( 3 ) no contract that ties my information to debt. Under the fair credit protection act, this company hasnt provided information to reporting agencies to make this debt legal

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on various credit reporting platforms. Despite my credit card statement clearly indicating that my account has been paid in full, Equifax continues to display erroneous information that misrepresents my credit status. 

On XX/XX/year>, I received my credit card statement from XXXX, which shows that my account balance was {$0.00}, reflecting that all payments have been made in a timely manner and that the account is settled. However, upon reviewing my credit report, I found that Equifax has inaccurately reported my payment status, which negatively impacts my credit score and overall financial standing. 

I have attempted to resolve this matter directly with Equifax by providing the necessary documentation to support my claim, including a copy of my credit card statement. As per the Fair Credit Reporting Act ( FCRA ), when a consumer provides documentation to correct inaccurate information on their credit report with a Consumer Reporting Agency ( CRA ), the CRA is obligated to investigate and modify the information accordingly. Unfortunately, Equifax has failed to fulfill this obligation, which constitutes a violation of the FCRA. Essentially, not correcting inaccurate information when presented with evidence violates the rights of consumers and undermines the integrity of the credit reporting process. 

The continued misreporting of my credit status not only affects my creditworthiness but also adds unnecessary stress to my financial situation. I kindly request that the Consumer Financial Protection Bureau investigate this matter and hold Equifax accountable for their failure to correct the inaccuracies in my credit report. I would appreciate your assistance in ensuring that my credit report reflects accurate information and that my rights as a consumer are upheld. 

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

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Company keep pulling my report without getting my written consent every six months  leaving  hard enquiry on my reports every time they pulled  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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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. 
XXXX XXXX XXXX amount {$410.00} XXXX XXXX XXXX amount {$700.00}

Company response to consumer: Closed with non-monetary relief