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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
They have failed to investigate my credit profile for months and keep falsely accusing me of being a third party, even though Ive properly verified my identity multiple times. Ive sent several dispute letters with my South Carolina drivers license and a utility bill, and I even paid to send my last one via certified mail just to make sure they got it. 

USPS tracking shows they received my letter on XX/XX/year>, but today, XX/XX/year>, I got a response dated XX/XX/year>, dismissing my dispute without actually investigating. This isnt the first time, its been the same runaround for months. Ive gotten multiple stall letters before, but I misplaced them. This time, I kept the letter because Im fed up. 

On top of that, calling them is useless. I only get an automated message telling me to go to their website, and theres never an option to talk to a real person. Ive done everything Im supposed to, and theyre still ignoring me.

Im tired of the games, and I need the Consumer Financial Protection Bureau to step in. TransUnion needs to do their job, investigate my dispute, and stop making excuses.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I did a 3-month internship in the XXXX and opened a bank account at the XXXX CHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX My salaries were paid into this account and when I left the XXXX to return to XXXX, I closed my account and asked for the funds to be transferred to my XXXX XXXX XXXX XXXX account in XXXX on XX/XX/year>XXXX XXXX XXXX XXXX. We never received the funds and despite emails and calls we were never able to get the funds transferred.

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.

Complaint narrative:
Equifax XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing you to formally dispute inaccurate info on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt purssuent to 15 U.S.C. 1692g is part of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law that aims to eliminate abusive practices in the collection of consumer debts and to promote fair debt collection practices. Section 1692g specifically addresses the validation of debts and requires that debt collectors provide certain information to consumers when they first attempt to collect a debt.

Heres an overview of the key components of 15 U.S.C. 1692g : Notice of Debt : Within five days of a debt collector 's initial communication with a consumer, they must send a written notice containing : The amount of the debt.

The name of the creditor to whom the debt is owed.

A statement that the consumer has 30 days to dispute the debt in writing if they believe it is incorrect or if they need additional information. 
A statement that if the debt is not disputed within 30 days, it will be assumed to be valid by the collector. 
A statement that the consumer has the right to request the name and address of the original creditor if it differs from the current creditor. 

I hereby inform you that I am disputing the information reported to my credit file regarding the account referenced below. 

Account Information : Account Number : [ Insert Account Number ] Creditor Name : [ Insert Creditor Name ] Date of Entry on Credit Report : [ Insert Date ] Nature of Dispute : [ Describe briefly the reason for the dispute, e.g., " This account does not belong to me, '' or " The balance is inaccurate. '' ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I am requesting that you immediately investigate and verify the accuracy of this information. 

Please provide me with any supporting documentation or evidence that verifies the legitimacy of this account and the amount listed on my credit report. If you are unable to verify the debt, I request that you remove the account from my credit report. 

Additionally, I request that you provide me with an updated copy of my credit report reflecting any changes once the dispute is resolved. 

Thank you for your prompt attention to this matter. I expect a response within the 30-day period required by the FCRA. 

Sincerely, XXXX 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
I had a credit card with XXXX XXXX, they sold the account to a debt collector and they keep emailing me after I have told them to stop. The company has also called numerous times. I told them my contract was with the original creditors and to stop contacting me.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my 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 2025-03-03 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: TX

Complaint narrative:
I called XXXX to work out a payment arrangement. Their website was trying to give me a deferral and I didn't need a deferral, I could payt but needed the payment reduced some. Upon speaking with a XXXX representative, I was informed that unless I paid the full OVERALL past-due amount, my credit report would not reflect an updated payment status. I have a recorded call where your representative explicitly stated this. However, I find it misleading and unfair that seven ( 7 ) accounts are reported as delinquent when they are managed under one ( 1 ) account on XXXX website, which reflects ONE FULL PAST DUE balance due. If the website give your balance due - if you are reporting XXXX individual accounts, I should get to see 7 past due accounts on your website and should be able to pay however many I am able to.

The impact of reporting all seven ( 7 ) accounts as 90+ days late has severely damaged my credit score, dropping it by XXXX points. This reporting practice does not seem ethical, and the collection practices are giving deceptive. Especially considering I was not given the option to pay the accounts individually to prevent multiple late marks. I have been actively making efforts to pay and did not require a defermentonly a payment adjustment. 

Given these circumstances, I urge you to reconsider and correct the reporting of these accounts to reflect a more accurate and fair assessment of my creditworthiness. I would appreciate your prompt attention to this matter and a written response confirming the resolution. 
Thank you for your time and consideration. 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 1 ) The original creditor XXXX XXXX violated this law. My information was shared without my consent. Also XXXX XXXX is currently in violation because they have been reporting to two third parties. XXXX and Transunion. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

I havent received an initial notice by mail or electronically from this company. This is my second complaint to this company.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX and Transunion have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses. The only thing that should be on my report are criminal convictions. These are violations of the FCRA. Also the account from XXXX XXXX XXXX XXXX XXXX on my reports is another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before. I am opting out their reporting services.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 1 ) The original creditor XXXX XXXX violated this law. My information was shared without my consent. Also XXXX XXXX is currently in violation because they have been reporting to two third parties. Experian and XXXX. Without my knowledge and consent.

As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

I havent received an initial notice by mail or electronically from this company. This is my second complaint to this company.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Experian and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses. The only thing that should be on my report are criminal convictions. These are violations of the FCRA. Also the account from XXXX XXXX XXXX XXXX XXXX on my reports is another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before. I am opting out their reporting services.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX hurricanes hit my house at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX The municipality placed a moritorium on rentals until late XXXX My house sustained damage which made it unusable. Insurance would not cover the damage and I had to pay for it out of pocket. 
I applied for a hardship with my lender XXXX XXXX ; spoke with my personal representative XXXX XXXX, who informed me in late XXXX that I was granted a forbearance on the mortgage payments for three months, XX/XX/XXXX, XXXX XXXX, XXXX. No payment due until XX/XX/XXXX and the payments missed would be added to the end of the mortgage ; not due at the end of the time period. He was very explicit about this. I realized I may need a little more time as damage was more extensive than previously assessed. I reached out to XXXX XXXX to inquire about my eligibility for a few more months of forbearance, he told me to reapply and send a letter of explanation which I did on XX/XX/XXXX and again on XX/XX/XXXX. I received no phone call, but a letter stating I would be granted a modification. I did not need a modification, just a few months of forbearance. My personal representative did not return my calls and I had no idea where I stood with my request. The only thing I had to go by was my XXXX XXXX app which clearly showed a payment was due XX/XX/XXXX. I paid that, but in the meantime, XXXX reported a XXXX delinquency to the credit bureaus and my XXXX XXXX dropped significantly. I have disputed this with the agencies, but am told XXXX must send an update and confirm the forbearance. I finally was able to speak with a representative today, XX/XX/XXXX and was told he can not do that. He could see in the notes that a forbearance was granted but had nothing official he could send to the credit bureaus and my best course of action would be to pay the delinquent amount now. 
This is untrue and unethical. I was told via telephone that this would not affect my credit and the forbearance meant that no payment would be due, including tax and insurance escrow until it was over. The length of my mortgage would be extended, which was what I had requested.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I

am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns
regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 50 days. Furthermore, under 15 U.S.C. g 1681i ( a ) ( 5 ), any intormation tound to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed some unauthorized inquiries on my TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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