vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a closed off and paid off credit card on my account that has been there more than 7 years. It is a macys credit card account. I did submit an investigation with experian it was open for about 2 months and nothing has changed and I havent been updated on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a closed off and paid off credit card on my account that has been there more than 7 years. It is a macys credit card account. I did submit an investigation with experian it was open for about 2 months and nothing has changed and I havent been updated on 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 2025-01-24 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: AZ

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-01-24 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: AZ

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. This company is reporting inaccurate information on my credit report for account number XXXX for XXXX XXXX. I'm asking that this information be corrected or deleted immediately from credit report.

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 2025-01-24 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint regarding the failure of XXXX, XXXX, and TransUnion to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.

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 2025-01-24 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-24 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-01-24 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: IL

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

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 2025-01-24 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-24 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 desputes 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 the reasonable investigations of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that The CFPB take action to ensure Equifax with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Equifax and XXXX for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern, I am submitting this formal complaint regarding Equifax and XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, for negligent noncompliance. My complaint involves the inaccurate reporting and mishandling of disputes related to the following accounts : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : Closed on XX/XX/XXXX Creditor Details : XXXX XXXX XXXX XXXX Riverside, CA XXXX ( XXXX ) XXXX Despite submitting evidence and formal disputes, both credit reporting agencies have failed to conduct proper investigations into the accuracy of these accounts, resulting in continued harm to my credit profile. 

XXXX XXXX for XXXX XXXX XXXX : Dispute ID : XXXX Submitted to XXXX : XX/XX/XXXX In Review : XX/XX/XXXX Resolved ( Denied ) : XX/XX/XXXX Despite providing XXXX with additional information to verify the inaccuracy of the XXXX XXXX XXXX account, the dispute was denied without a thorough explanation or adequate documentation. Equifax similarly failed to verify the accuracy of the XXXX XXXX account, resulting in continued damage to my creditworthiness. 

Impact of Negligence : 1. Harm to my credit score, which has prevented me from qualifying for a mortgage to provide stable housing for my family.

2. Financial hardship and emotional distress, as I have been unjustly penalized due to the negligent noncompliance of these credit reporting agencies.

Requested Actions : I request the CFPB take the following actions to address these issues : 1. Investigate Equifax and XXXX handling of my disputes to determine whether they violated the FCRA by failing to conduct reasonable investigations. 
XXXX. Require both agencies to provide detailed documentation of their dispute investigation processes, including the evidence used to verify the accuracy of the XXXX XXXX and XXXX XXXX XXXX accounts. 
3. Order the removal of any inaccurate or unverifiable information related to the above accounts from my credit reports. 

The failure of Equifax and XXXX to comply with federal regulations has caused significant harm to my financial stability and well-being. I trust that the CFPB will take appropriate action to hold these agencies accountable and protect consumers like me. 

Thank you for your attention to this matter. Please contact me if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I filed a police report because someone illegally obtained my old social security card from before I was married. The loan was obtained in my maiden last name in XXXX. Ive disputed it multiple times and even with my police report I have to still deal with this being on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the actions of XXXX and XXXX in light of the recent lawsuit filed against them by the Consumer Financial Protection Bureau ( CFPB ). The allegations of unfair and abusive practices outlined in the news raise serious concerns regarding the integrity and reliability of our credit reporting system. 

As highlighted, XXXX and XXXX have failed to uphold their responsibilities in providing accurate credit reports. This negligence not only damages individual consumers but undermines trust in the entire credit reporting industry. The allegations of misleading debt collection practices and the lack of timely responses to consumer disputes are particularly alarming. It is unacceptable for consumers to navigate a system that, instead of protecting their rights, exploits their vulnerabilities. 

Moreover, the implications of inaccurate credit reporting on individuals ' lives are profound. Many consumers have already faced the dire consequences of wrongful credit evaluations, including denial of loans, higher interest rates, and public embarrassment. The CFPB 's actions are crucial in addressing these injustices and holding XXXX and XXXX accountable. 

I urge the CFPB to pursue this lawsuit vigorously and to ensure that these companies are held responsible for their actions. It is imperative that we create a more equitable credit reporting framework that prioritizes consumer rights over corporate profit. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
I contacted the credit reporting agencies ( transunion, XXXX, and XXXX ) I also connected the creditors directly ( XXXX  XXXX and XXXX XXXX ) I left them know about the inaccurate items on my report. I did not request for the information to be investigated I am asking for it to be deleted since no one has sent me any proof that the items were actually correct. If I was actually late when they reported I was then all of my reports should reflect the exact same information but since it is not. That is considered inaccurate and unfair reporting the information should be deleted since no one has been able to send proof of a notice stating that I was late or that a late payment would be reported to my report. This is causing me great financial distress I would like the credit reporting agencies and the creditors to correct this situation so that my report maybe accurate and fair.

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 2025-01-24 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/2025 Experian Dispute Department XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute an item on my credit report, as it appears to contain inaccurate information. Below are the details of the disputed item : Creditor Name : XXXX XXXX Account Number : XXXX Balance Reported : {$270.00} Upon reviewing my credit report, I noticed inaccuracies in how this account is being reported. Specifically : Inconsistent Reporting History : The account is listed as a collection account with a balance of {$270.00} past due as of XX/XX/2025. However, the payment history reflects a collection status for dates prior to the date the balance was updated. This inconsistency suggests potential errors in the reporting timeline. 

Joint Account Discrepancy : The account is reported as a joint responsibility with XXXX XXXX. I have no recollection or documentation of opening a joint account with this individual. This raises concerns about the accuracy of the reporting. 

Validation of Debt : I have not received proper validation or documentation from XXXX XXXX to substantiate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), the creditor is required to validate the debt before reporting it to credit bureaus. 

I am requesting that you investigate this account and verify its accuracy with the creditor. If the creditor can not provide sufficient evidence to validate the debt and confirm the details reported, I request that this account be removed from my credit report immediately. 

I appreciate your prompt attention to this matter. Please complete the investigation and notify me of your findings within the 30-day timeframe as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance. 

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 2025-01-24 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute an item on my credit report, as it appears to contain inaccurate information. Below are the details of the disputed item : Creditor Name : XXXX XXXX Account Number : XXXX Balance Reported : {$270.00} Upon reviewing my credit report, I noticed inaccuracies in how this account is being reported. Specifically : Inconsistent Reporting History : The account is listed as a collection account with a balance of {$270.00} past due as of XX/XX/year>. However, the payment history reflects a collection status for dates prior to the date the balance was updated. This inconsistency suggests potential errors in the reporting timeline. 

Joint Account Discrepancy : The account is reported as a joint responsibility with XXXX XXXX. I have no recollection or documentation of opening a joint account with this individual. This raises concerns about the accuracy of the reporting. 

Validation of Debt : I have not received proper validation or documentation from XXXX XXXX to substantiate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), the creditor is required to validate the debt before reporting it to credit bureaus. 

I am requesting that you investigate this account and verify its accuracy with the creditor. If the creditor can not provide sufficient evidence to validate the debt and confirm the details reported, I request that this account be removed from my credit report immediately. 

I appreciate your prompt attention to this matter. Please complete the investigation and notify me of your findings within the 30-day timeframe as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance. 

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