vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
I am writing to formally request the removal of unauthorized credit inquiries listed on my credit report. These inquiries appear to have been made without my consent, and I do not recognize them as being related to any legitimate applications or agreements I have initiated. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries. 

The following inquiries are in question and should be removed from my credit file : XXXX  Date : XX/XX/XXXX Type : Personal Loan Companies ONEMAIN Date : XX/XX/XXXX Type : Personal Loan Companies XXXX  Date : XX/XX/XXXX Type : Personal Loan Companies XXXX  Date : XX/XX/XXXX Type : Personal Loan Companies XXXX Date : XX/XX/XXXX Type : [ No specified type ] EQUIFAX MORTGAGE SERVIC Date : XX/XX/XXXX Type : Mortgage Reporters XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Type : Installment Loans XXXX Date XXXX XX/XX/XXXX Type : [ No specified type ] XXXX XXXX Date : XX/XX/XXXX Type : [ No specified type ] XXXX  Date : XX/XX/XXXX Type : Personal Loan Companies XXXX  Date : XX/XX/XXXX Type : XXXX XXXX XXXX Date : XX/XX/XXXX Type : [ No specified type ] XXXX Date : XX/XX/XXXX Type : [ No specified type ] XXXX Date : XX/XX/XXXX Type : [ No specified type ] XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Type : [ No specified type ] XXXX XXXX XXXX Date : XX/XX/XXXX Type XXXX XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX Type : [ No specified type ] XXXX XXXX  Date : XX/XX/XXXX Type : [ No specified type ] XXXX Date : XX/XX/XXXX Type : [ No specified type XXXX XXXX XXXX Date : XX/XX/XXXX Type : Bank Credit Cards XXXX  Date : XX/XX/XXXX Type : [ No specified XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Type : Bank Credit Cards XXXX  Date : XX/XX/XXXX Type : Personal Loan Companies As stated under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and remove these unauthorized inquiries from my credit file. Please notify me in writing of the results of your investigation and the steps you have taken to resolve this matter.

If these inquiries were initiated as a result of fraud or identity theft, I request that they be marked accordingly, and I will follow up with any additional documentation required to support this claim.

Please let me know if you require any further information or documentation. I expect this matter to be resolved promptly. If I do not hear from you within 30 days, I will consider taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal assistance.

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
Since taking out my student loans in XXXX and XXXX I havent received any notification that there was an amount due at any time. On all of my credit accounts including Experian and XXXX XXXX, all of my student loans said they were all current and up to date. XX/XX/XXXX I realized that all of the emails from XXXX XXXX  were going to my old email that I used during my school year and were all in a junk folder. I made my first minimum payment of {$100.00} on XX/XX/XXXX. On XX/XX/XXXX my credit score dropped over 100 points stating 2 out of 4 student loan accounts were 90 days past due when on ALL of my credit accounts stated they were all current and up to date for the past 2-3 years. The lack of communication about my loans being due has had a tremendous negative impact on my credit and I would like to get this resolved and get my credit score back to where it was. Thank you!

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
15 USC 1681i ( a ) 1 challenges the 30 day response time 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NM

Complaint narrative:
PNC Bank kept changing the annual interest rate yield on this fixed rate CD. To date the bank will not respond to my request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Self Financial Inc.
State: MD

Complaint narrative:
XXXX failed to follow reasonable procedures to assure maximum accuracy, the credit report is in fact inaccurate. I suffered immensely as a result of XXXX failing to uphold my rights. I will provide evidence of my findings below. Also these accounts XXXX XXXX and Self are being furnish as a XXXX off with a balance, if a XXXX was sent that means that its ordinary income for the consumer in which the consumer owes the taxes on which shouldnt be on a consumer report. The payment history is inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report, as reported by Experian. Despite previous disputes, the erroneous information remains, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Given the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for similar practices, I am requesting immediate corrective action.

According to the CFPB, Experian has engaged in deceptive practices regarding consumer credit reporting and disputes, citing " sham investigations '' and other unlawful practices. My situation reflects similar issues, as my disputes have not been properly investigated, and incorrect information continues to negatively impact my credit. 
These practices, as outlined by the CFPB, include Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. I also filed a FTC report, Report XXXX XXXX. 


Under the FCRA, Experian is legally required to conduct a reasonable investigation and correct or remove inaccurate, unverified, or outdated information within 30 days.

I request that you : Conduct a proper investigation into these inaccuracies.

Provide me with a written statement of your findings.

Remove or correct the erroneous information from my credit report.

Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with these legal obligations may result in further action, including filing a formal complaint with the CFPB and pursuing legal remedies.

Please provide a response in writing to the address listed above. I appreciate your prompt attention to this matter and expect a resolution within the FCRA-mandated timeline. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-03-28 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

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 2025-03-28 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:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account name : XXXX Account number : XXXX Date Opened : XX/XX/year> 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 explanation
Consumer complaint received 2025-03-28 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to report only 100 % accurate, verifiable, and substantiated accounts. These collection accounts are either inaccurate, unverifiable, or in violation of consumer protection laws and must be deleted immediately. Ive attached documents supporting my claims you have 30 days to complete 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 non-monetary relief
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
I'm reaching out to you for help with my stolen identity. Could you please delete the specific item and make sure all other incorrect details are updated as soon as possible? Your prompt action would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$80.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1300.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised 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 explanation
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This company is reporting me on my credit and they are a collection company violating all regulations of the consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
information is still reporting inaccurately on my credit file, this account is inaccurate and in violation of 15 USC 1681 eb. please correct this issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
First of all the guy I was working with said I had low XXXX XXXX but I had checked my scores just before I got there. However he did use the XXXX regular bureaus. He used a company called XXXX  which had my score at XXXX. The regular bureaus all had my scores very close to XXXX. I need a loan because I had just finished paying to get my XXXX XXXX XXXX fixed. And now I was short on cash for other bills. 
Secondly, the interest on this loan is XXXX XXXX Thirdly, the company are taking the first payment of XXXX in less than XXXX from which I took out the loan. I took the on XX/XX/XXXX.

Company response to consumer: Closed with explanation