vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to TransUnion through the CFPB portal under CFPB Complaint Number : XXXX, providing all required documentation under 15 U.S. Code 1681c-2 to block fraudulent accounts from my credit file. Specifically, I identified two fraudulent XXXX XXXX accounts, one XXXX Bank account, and others for removal. I provided : Proof of identity, including my full name ( XXXX XXXX XXXX XXXX, date of birth ( XX/XX/XXXX ), last four digits of my Social Security number ( XXXX ), proof of address ( XXXX XXXX XXXX, XXXX, FL XXXX ), and government-issued photo ID. 
A valid Identity Theft Report ( Report # XXXX ). 
Clear identification of the disputed accounts : Account Name : XXXX XXXXXXXX | Account Number : XXXX | Type : Credit Card | Date Opened : XX/XX/XXXX. 
Account Name : XXXX XXXXXXXX | Account Number : XXXX | Type : Credit Card | Date Opened : XX/XX/XXXX. 
Account Name : XXXX BANK | Account Number : XXXX | Type : Secured Card | Date Opened : XX/XX/XXXX. 
Despite satisfying all statutory requirements, TransUnion only removed three of the six disputed accounts. 
On XX/XX/XXXX, I filed a follow-up dispute under CFPB Complaint Number : XXXX, reiterating that TransUnion had failed to block the fraudulent accounts. In their response dated XX/XX/XXXX, TransUnion declined to block the two XXXX XXXX accounts and the XXXX Bank account, citing reasons such as payment histories, prior disputes, or account opening dates that predate the fraud report. These justifications are irrelevant and contrary to 15 U.S. Code 1681c-2, which mandates that Consumer Reporting Agencies ( CRAs ) must block identified fraudulent information within four business days of receiving proper documentation. 
Additionally, TransUnion failed to meet its obligations under XXXX5 U.S. Code 1681i, as it did not provide : 1. Details of the investigation process, including the names of businesses or financial institutions contacted, or evidence relied upon to verify the accounts. 
2. Written confirmation that the dispute was investigated and resolved within the statutory timeframe. 
TransUnions refusal to block these accounts constitutes willful noncompliance with federal law, exposing me to continued harm from 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request a copy of my credit score, which I understand is available to me under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g. I recently obtained my credit reports from your company, but I was unable to locate my credit score. As you are required by law to provide me with this information upon request, I am requesting that you promptly supply me with my credit score. The score should be calculated with the verified items on my report. Any information improperly verified could be ground for litigation as I have dealt with this issue for more than 2 years with Transunion and XXXX Please provide me with the following information as required by the FCRA : My credit score based on the credit report you have on file. 
The date the score was calculated. 
The range of possible credit scores under the model used. 
If there are any additional procedures or fees for providing this information, please notify me immediately. 

Thank you for your attention to this matter. I look forward to your prompt response within the statutory time frame of 15 days as required under the FCRA. 

Sincerely,

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 2025-01-27 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: NC

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2025-01-27 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-27 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-27 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: NY

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2025-01-27 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: NY

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2025-01-27 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) under the following provisions : 15 USC 1681e ( b ) : Failure to maintain accurate credit reporting procedures. 

15 USC 1681s-2 : Failure to properly address disputes regarding inaccurate information. 

15 USC 1681i ( 5 ) : Failure to conduct reasonable reinvestigations of disputed information. 

15 USC 1681c ( c ) : Failure to comply with obligations regarding obsolete information. 

Background : I have sent multiple dispute letters to Experian on [ insert dates ] concerning inaccuracies on my credit report. Despite providing documentation to support my claims, Experian has failed to investigate these disputes thoroughly, remove inaccurate information, or provide any valid justification for retaining disputed items on my report. 

Impact : These inaccuracies have significantly harmed my creditworthiness, limiting my ability to obtain credit, secure housing, and pursue employment opportunities. Experians actions, or lack thereof, have caused undue stress and financial hardship. 

Relevant Case : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' This lawsuit highlights systemic issues with Experians handling of disputes, including failures to properly investigate consumer disputes and reinserting inaccurate information onto credit reports. My experiences align with the allegations in this lawsuit. 

Actions Requested : I respectfully request that the CFPB : Investigate Experians handling of my disputes. 

Require Experian to comply with the FCRA and correct the inaccuracies on my credit report. 

Take appropriate enforcement action to address Experians noncompliance. 

Attached are copies of my correspondence with Experian, documentation supporting my disputes, and any responses received ( if applicable ). 

Thank you for your attention to this matter. Please feel free to contact me at [ insert phone number ] or [ insert email address ] for additional information. 

Sincerely, 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 2025-01-27 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-27 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 2025-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fairway Independent Mortgage Corporation
State: TN

Complaint narrative:
on or around XX/XX/XXXX i received a delinquent notice concerning my homewowners insurance policy number XXXX for the amount of XXXX dollars. 
FAIRWAY INDPENDENT MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the mortgage lender that i pay the escrow to to pay the payment. I need them to pay my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I am currently trying to work with the lost draft department at Shellpoint Mortgage to release funds from a check sent to them back in XX/XX/XXXX for {$150000.00} from my insurance company XXXX XXXX for the fire damages and to restore the property back to it's original state before the fire. They released XXXX in XX/XX/XXXX and I requested additional funds be released on XX/XX/XXXX after an inspection was completed by their inspector and was told funds would be released to me in 8-10 days. I called in on the 6th day to assure everything was processing and if anything else was needed from me and was talked down to like a child. I was told to wait the 8-10 days in very slow word by word in a sentence. I have called several times since and have been told by supervisors that the issue was escalated to my processor on a friday and that I would receive a callback and nothing happened. I emailed the processor the following monday and recived no response. I since continued to call in to see if my funds have been released last week and continue to be told it has been escallated and the supervisor I was talkin with on friday call disconnected and even though he asked me for the best no. to call me bak if we were disconnected, i have not received a call back. Please help me in getting Shellpoint Mortgage to release funds so I can finish renovation and my XXXX wife, XXXXXXXX XXXX daughter and myself can go back home? Thanks for any help you can provide in truly escallating this matter. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes 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 a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts ya that are inaccurate XXXX XXXX XXXX Opened XX/XX/XXXX {$55.00} XXXX XXXX Opened XX/XX/XXXX {$330.00} XXXXXXXX XXXX I Opened XX/XX/XXXX {$1100.00} XXXX  XXXX Opened XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I have filed a dispute on three different accounts that do not belong to me. I have told them I have no knowledge of the accounts and they left the accounts unresolved. I do not have a car through XXXX XXXX XXXX XXXX, I never served in the military and no one in my immediate family has not served. I let them know and filed the dispute but they told me it stays. There is also an apartment complex on there that does belong to me. I only have one apartment that is a landlord debt, I explained it to them and they still kept the other one on it. I really need some help with regulating this.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief