vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: MN

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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 am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-05 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: GA

Complaint narrative:
This account was charged off XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. Im demanding deletion of the following account XXXX XXXX XXXX XXXX. Account number XXXX According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.

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 2025-03-05 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: GA

Complaint narrative:
This account was charged off XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. Im demanding deletion of the following account XXXX XXXX XXXX XXXX. Account number XXXX According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit report shows a car loan on my credit to a company called sensible auto lending. Experian also shows my address in Maryland for this auto loan. I have never lived in Maryland and I have never got a loan from sensible auto lending for any car ever. I filed a dispute with Experian stating this loan is identity theft and is fraud. Experian investigated the dispute and did not remove the fraudulent auto loan and the fraudulent Maryland address. I contacted the company at the address listed in XXXX and it is an XXXX dealership that says the company sensible auto lending has not been at that address for years. I called the phone number listed for sensible auto lending and it was not an operation phone number. I got my dispute results from Experian saying the verified the information with sensible auto lending and did not remove it from my credit report. I now know for a fact that Experian did not investigate the dispute nor did they receive any verification of the fraudulent auto loan and fraudulent address, because all the information listed for the company is not real and no company exist at the address and phone number listed.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this formal request to void the loan contract issued by Superior Auto , Inc. ( Indiana Entity # XXXX ) on the grounds of violations of federal law ( 15 U.S.C. 1605 ( a ) ) and noncompliance with Ohio state licensing requirements.

Violations of 15 U.S.C. 1605 ( a ) ( Truth in Lending Act - Finance Charge Disclosures ) Superior Auto , Inc. has failed to properly disclose finance charges as required under 15 U.S.C. 1605 ( a ), which mandates accurate itemization of the total cost of credit, including interest rates, fees, and additional costs imposed on the borrower. The failure to comply with these federal requirements constitutes a violation of the Truth in Lending Act ( TILA ) and renders the loan contract legally unenforceable. 

Licensing Noncompliance in Ohio Additionally, Superior Auto , Inc., an Indiana-based business ( Entity # XXXX ), has engaged in lending and financial transactions without proper licensing to operate in the state of Ohio, where the contract was executed. Under Ohio Revised Code ( ORC ) Chapter 1321, any entity offering auto loans must hold a valid lenders license in the state. Their failure to maintain the required licensing raises serious compliance issues and further invalidates the contract. 
I am formally requesting the immediate removal of the XXXX placed on the vehicle under the purchase agreement for XXXX XXXX by Superior Auto , Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. This demand is based on violations of As a bona fide purchaser, XXXX XXXX obtained the vehicle without proper disclosure of XXXX status also violating the principles of UCC Article 9, which governs secured transactions. Due to these violations, the lien is unenforceable and must be immediately removed from the vehicles title. 

Formally disputing the charge-off reported by Superior Auto XXXX Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX regarding contract loan number XXXX for my client, XXXX XXXX. This dispute is made in accordance with 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer credit information. 

Superior Auto , Inc. has reported negative items on my clients credit report, which we believe to be unlawful and inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX CARD : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX  XX/XX/2023 : XXXX XXXX  XXXX | XX/XX/2023 : XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : XXXX XXXX XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
This account was charged off XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. Im demanding deletion of the following account XXXXXXXX XXXX XXXX XXXXXXXX. Account number XXXX According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.

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 2025-03-05 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: GA

Complaint narrative:
This account was charged off XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. Im demanding deletion of the following account XXXXXXXX XXXX XXXX XXXXXXXX. Account number XXXX According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I am writing to file a formal complaint against Equifax and XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent information reported on my credit reports.

I have noticed that two accountsXXXX XXXX XXXX account ending in XXXX and XXXX XXXX account ending in XXXX being reported on my Equifax and XXXX credit reports, but these same accounts are not listed on my XXXX credit report. This discrepancy raises significant concerns about the accuracy and completeness of the data being reported by Equifax and XXXX, which violates 15 USC 1681e ( b ) of the FCRA, requiring that credit reporting agencies maintain accurate and up-to-date information.

Further, 15 USC 1681i ( a ) outlines the procedures for handling disputes and corrections, and it is clear that if an item is not verifiable or can not be substantiated by the creditor, it must be deleted from the credit report. The failure of Equifax and XXXX to remove these accounts and ensure the consistency of reporting across all Consumer Reporting Agencies ( CRAs ) constitutes a violation of this law.

I request that you investigate this matter and take the necessary steps to ensure that : XXXX XXXX XXXX account ending in XXXX and XXXX XXXX account ending in XXXX are deleted from my Equifax and XXXX credit reports, as they do not appear on my XXXX report, indicating inconsistency in reporting. 
Equifax and XXXX comply with 15 USC 1681e ( b ) by ensuring that all reported information is accurate and complete, as required by law.

Provide me with an update of the investigation and the corrective actions taken. 
Failure to address these issues not only undermines my ability to maintain an accurate credit profile but also violates my rights under federal law. Please inform me of the actions you plan to take in this regard.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 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 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 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: UPGRADE, INC.
State: AZ

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Charged-Off Account on Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute the accuracy of a charged-off account appearing on my credit report. The account in question is with XXXX XXXX under account number XXXX. Upon reviewing my credit report, I noticed that this charge-off has been negatively impacting my credit profile, and I believe it is either inaccurate, unfair, or does not comply with federal reporting laws. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this matter be thoroughly investigated. If the creditor can not verify the accuracy of this charge-off, I respectfully request that it be removed from my credit report. 

I appreciate your prompt attention to this matter and request a written response regarding the findings of your investigation. Please let me know if you require any additional information to facilitate this process. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief