vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not properly notifying consumers of dispute outcomes. These issues directly align with my own experience, as Experian has failed to correct or remove the disputed items despite the evidence I submitted. This ongoing inaction continues to harm my credit standing. I am requesting immediate corrective action to remove or amend the following disputed accounts Additionally, there are numerous inquiries that need to be addressed. These include : XXXX XXXX XXXX Experian 's failure to resolve these disputes constitutes a violation of federal law and my rights as a consumer. I demand immediate action to correct these inaccuracies and remove any unverified items.

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 2025-02-23 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: NY

Complaint narrative:
after numerous rounds of me dispute the accuracy of the following accounts being reported on my credit report : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX, you have refused to properly investigate and correct the inaccuracies on these therefore violating numerous of my right.

In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and credit bureaus are prohibited from repeatedly reporting a charge-off as an ongoing delinquency each month. A charge-off is a one-time event, and continuously reporting it as a new derogatory mark violates my rights by unfairly damaging my credit score. This practice constitutes inaccurate and misleading reporting, which is prohibited under FCRA 1681s-2 ( a ) ( 1 ) ( B ), requiring data furnishers to report accurate information. I am requesting an immediate correction and removal of the repeated charge-offs from my credit report to ensure compliance with federal law.

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 2025-02-23 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: IL

Complaint narrative:
I am writing rectify discrepancies between the credit report entries regarding the account from XXXX ( Account Number : XXXX ), which is reported on both my TransUnion and XXXX credit reports. The conflicting information provided by these bureaus constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Below is a summary of the discrepancies I have identified between the reports from TransUnion and XXXX : TransUnion Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Dispute Status : Account information disputed by consumer, meets FCRA requirements Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX XXXX XXXX Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Closed Dispute Status : Customer disputed account reported by subscriber Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX As shown , the information reported by TransUnion and XXXX differs in the date opened, account status, and the creditor name associated with this account. Specifically, TransUnion lists the account as open with an opening date of XX/XX/XXXX, whereas XXXX indicates it is closed with a XX/XX/XXXX opening date. Additionally, the creditor names provided on each report differ : TransUnion lists it as " XXXX XXXX XXXX XXXX, '' while XXXX reports it as " XXXX XXXX XXXX. '' These discrepancies are concerning, as they negatively affect the accuracy of my credit report and, as a result, my credit score. Under the FCRA, I am entitled to an accurate and complete credit report, and I request that you conduct a thorough investigation into this matter. My rights are being violated as this information isn't fair, accurate, or complete.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information 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.

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 fails to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlights 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 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 2025-02-23 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: GA

Complaint narrative:
Subject : Request to Block Fraudulent Information Due to Identity Theft Dear Collection Agency, I am writing to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

As a consumer protected by federal law, I demand the following deletions from my credit report to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : Delete all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report. 
Data Breach Impact & Failure to Protect My Information I was involved in a data breach with XXXX XXXX XXXX which resulted in my personal information being compromised. Consequently, fraudulent accounts were opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, thereby violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification. 
15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.

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 2025-02-23 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: GA

Complaint narrative:
Subject : Request to Block Fraudulent Information Due to Identity Theft Dear Collection Agency, I am writing to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

As a consumer protected by federal law, I demand the following deletions from my credit report to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : Delete all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report. 
Data Breach Impact & Failure to Protect My Information I was involved in a data breach with XXXX XXXX XXXX which resulted in my personal information being compromised. Consequently, fraudulent accounts were opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, thereby violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification. 
15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-02-23 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: IL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, transaction ( s ) that I have not made. it is the result of identity theft.

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 2025-02-23 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2025 Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report I am writing to formally dispute the inaccurate information on my credit report that is negatively impacting my financial well-being. I am well aware of my rights under the Fair Credit Reporting Act and am requesting a thorough investigation into these inaccuracies, as mandated by Federal Law.

I recently learned that the Consumer Financial Protection Bureau has filed a lawsuit against Equifax for its failure to adequately investigate consumer disputes, citing " sham investigations '' and other illegal practices.

These practices, as outlined by the CFPB, include : - Conducting insufficient investigations that do not properly address consumer disputes.

- Reinserting previously disputed and inaccurate information without explaining.

- Failing to notify consumers about the results of investigations effectively.

These allegations reveal 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 similarly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX. XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX states on XX/XX/year> an account with the amount of {$46000.00} was open that I have no knowledge of. I also am in no contractual agreement with this company and this goes against consumer laws US C 15 262. I constantly receive messages, phone calls, and letters, stating that this that can affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX -- - AC # XXXX -- Date opened- XX/XX/year> I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. 

Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

Company response to consumer: Closed with explanation