vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: CA

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 Equifax, Experian, 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 non-monetary relief
Consumer complaint received 2025-03-03 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: NJ

Complaint narrative:
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. I have attached all letters that were sent out via mail to Experian, XXXX, XXXX and creditors, Thank you for your time and help in 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 2025-03-03 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: NJ

Complaint narrative:
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. I have attached all letters that were sent out via mail to Experian, XXXX, XXXX and creditors, Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My account was closed when I deposited a work check and my direct deposit. They said that my location didnt match where I lived. I told them that I dont know why I was connected to a router and sometimes it pings and I logged in with the lady on the phone and it showed that it was me and that it still came from another location and I told her sometimes my phone does that because of the router and she said okay! They unlocked my account and then 5 minutes later they call me back and say we are closing your account and we will send you your money as a cashier check! No explanation but that Bank of America has the right to end business with you! I waited and waited and then I called and said hey I need my money to pay rent and they kept saying it will be closed at another date because I direct deposit coming in still and then I kept calling giving me the run around!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian stated in XXXX  that I was part of a data breach and my personal information plus social security number was leaked. I should not be responsible for any bad credit accumulated during this time. And Experian promised me life time free credit monitoring. But in the app it is charging me, this is unprofessional and very disrespectful. I need my credit fixed from the mistakes they made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate information/issue reported in my credit file. The issue concerns are incorrect information and failure to update records. 
I believe this matter falls under Section 1681o of the Fair Credit Reporting Act ( FCRA ), which establishes civil liability for negligence when a consumer reporting agency or other entity fails to comply with the provisions of the FCRA.

Specifically, Section 1681o holds parties responsible when they negligently fail to ensure the accuracy and integrity of consumer information.

According to my records, I have made attempts to resolve this issue directly with your company, but have not received a timely or satisfactory response. I have also provided all necessary documentation to support my claim, but my concerns have not been addressed in a manner consistent with the requirements of the FCRA. 
As you may be aware, the FCRA mandates that all entities involved in the reporting, furnishing, or use of consumer information are responsible for ensuring that the information is accurate, complete, and up-to-date. Failure to do so constitutes negligence, and I request that you correct this matter immediately to comply with the FCRA.

Under Section 1681o, I am entitled to seek damages for any losses incurred due to this failure. I request that you resolve this dispute by [ date ], as failure to do so will leave me no choice but to pursue further legal remedies.

Please provide a written confirmation of the resolution of this dispute within the statutory time limits, and make the necessary corrections to my consumer file. 
Thank you for your prompt attention to this matter. I look forward to your 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 2025-03-03 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:
This is my final request for the immediate deletion of the inaccurate and conflicting information being reported on my credit report. Your continued reporting of this unverified and inconsistent information constitutes clear violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

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

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy, are as follows : Derogatory remarks, total accounts, number of closed accounts, delinquent accounts, account balances, credit card totals, employment section. 

EQUIFAX is inaccurately reporting information on my credit report. 
I am submitting additional documentation, to add/link to my current, active CFPB complaint against Equifax. 

CFPB ID COMPLAINT # ( See below next box. ) PERMINATELY DELETE this inaccurately reported account and any incorrect address from my Equifax credit report immediately. 

Delete account : ( see information below. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
i asked for original contract with my signature, proof of ownership proving i owe this debt, and payment history associated with this account over a month ago and they did not give me any of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute Account Name/Number : [ XXXX XXXX XXXX XXXX of Dispute : Date account opened, last date reported, date last active, and the date of the last payment received are all inaccurate I believe this information is inaccurate for the following reasons : It is being reported by TransUnion that the account was opened on XX/XX/XXXX but being reported that it was opened on XX/XX/XXXX by XXXX. 

Legal Basis for Dispute Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly.

Furthermore, case law has clarified the duties of CRAs in disputes : - XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by 15 U.S.C. 1681e ( b ). 
- XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 

Request for Resolution I request that you : 1. Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ).

2. Delete or correct any inaccurate or unverifiable information.

3. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information.

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-03 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 discovered the CFPB lawsuit against XXXX and feel that I have been adversely affected by their actions, which have hindered my ability to obtain credit. I do not want this to happen to me with Equifax. 

Based on my previous dispute with Equifax I received a response to my dispute that the accounts were " verified, '' yet they provided no details about their investigation process. XXXX collection agency is reporting a collections account which was paid to the company representing them XXXX, ( Account # XXXX ) yet Equifax is not verifying this information with XXXX. 

However, the credit bureau did not provide any specific details on how the verification was conducted or any supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ), I am entitled to receive a description of the procedure used to verify the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 

These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked and remove. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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

Complaint narrative:
For the past 2 years multiple unauthorized inquiries have been added to my account without my consent. This inquires were not authorized with my permission and they continue to hit my report without my consent. When asked to dispute and remove company refused and said it would just fall off. These inquiries are FCRA violations as I did not give permission for them to be ran. ALL HARD INQUIRIES ARE TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CBC Companies, Inc.
State: MI

Complaint narrative:
For the past XXXX  years multiple unauthorized inquiries have been added to my account without my consent. This inquires were not authorized with my permission and they continue to hit my report without my consent. When asked to dispute and remove company refused and said it would just fall off. These inquiries are FCRA violations as I did not give permission for them to be ran. ALL HARD INQUIRIES ARE TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
My account was transferred from XXXX XXXX to Carrington Mortgage on XX/XX/year> There was a Foreclosure Oral Argument Hearing Scheduled for XX/XX/year> with previous Servicer & their attorneys. 
When we contacted Carrington Mortgage we told by Both XXXX XXXX XXXX XXXX XXXX from Escalation department at Carrington that because account was transferred & in the process of onboarding there would be a 60 period of no foreclosure proceedings moving forward and there would be new law firm XXXX XXXX handling account moving forward & that we were covered by RESPA protections. 
We received an email from XXXX XXXX to confirm his ( XXXX XXXX ) & the following day Thursday XX/XX/year> XXXX eastern received oral confirmation on phone call with XXXX XXXX that she spoke with law firm and the attorney would request the judge continue the hearing, as the account was just Transfered to Carrington and due to the RESPA regulations protections. 
On XX/XX/year> at the Foreclosure Hearing the lawyer stated he was from XXXX XXXX XXXX ( not XXXX XXXX ) & he represented Carrington and that he knows nothing about any continuation of the hearing or RESPA regulations & told the judge we were lying and these Carrington Escalation names were made up by us and was hearsay and must be ignored. The judge moved forward with the hearing going completely against what we were told numerous Times by the Servicer Carrington Mortgage. 
We are requesting a full explanation of why we were lied to & given bad information by Carrington Mortgage & also why we called liars to the judge by Carrington Mortgage attorney in the oral argument hearing on XXXX XXXX. 
This is absolutely unfair & deceptive practices by Carrington Mortgage, which has caused our family great mental stress and anguish and put us at financial harm in less than a month as new Servicer. We need CFPB to investigate this immediately. Many Thanks, XXXX

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

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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