vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: MI

Complaint narrative:
The credit bureau is reporting XXXX on my credit report inaccurately. The status is saying three different things. Inaccurate The debt has been forgiven according to the IRS a 1099C has been issued. The info listed is not right. This is not legal to report inaccurately.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureau is reporting XXXX on my credit report inaccurately. The status is saying three different things. Inaccurate The debt has been forgiven according to the IRS a 1099C has been issued. The info listed is not right. This is not legal to report inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed items are reported by " XXXX '' and " XXXX, '' both reflecting inaccurate and unverifiable information. As a consumer, I am exercising my rights under federal law to demand the immediate correction or removal of these erroneous entries. 
The details of the disputed accounts are as follows : Creditor Name : XXXX Failure to Maintain Accurate Reporting - Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The conflicting reporting dates, as well as the continued reporting of a closed and paid account, indicate an error.

Outdated Information Reported - If XXXX is reporting this account until 2025 while it has been closed and paid, this may be a violation of the permissible reporting period under FCRA 15 U.S.C. 1681c ( a ). 
Failure to Verify Information Upon Dispute - 15 U.S.C. 1681i mandates that credit bureaus conduct a proper reinvestigation. I request that you obtain original account documentation to verify its accuracy. 

Creditor Name : XXXX Dispute Grounds : Inconsistent Reporting Across Bureaus - The balance and high balance amounts do not match across all three bureaus, suggesting inaccuracy in reporting. 
Failure to Update Account Status - The account is marked as closed, yet late payment remarks remain, which is misleading and inaccurate under 15 U.S.C. 1681e ( b ).

Inaccurate Remarks - The creditor remarks indicate " canceled by credit grantor '' and " closed due to inactivity, '' which need verification as these conflicting statements may impact my creditworthiness unfairly.

I demand the following actions : Conduct a full and proper investigation as required by the FCRA.

Provide me with all supporting documentation used to verify the accuracy of these accounts.

If verification can not be provided, immediately delete these accounts from my credit file.

Cease reporting inaccurate and misleading information to ensure compliance with federal law.

Failure to comply with these legal requirements will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal proceedings for damages as permitted under FCRA 15 U.S.C. 1681n and 1681o.

I expect a written response and resolution within 30 days, as required by law. Please send all correspondence to my address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed items are reported by " XXXX '' and " XXXX, '' both reflecting inaccurate and unverifiable information. As a consumer, I am exercising my rights under federal law to demand the immediate correction or removal of these erroneous entries. 
The details of the disputed accounts are as follows : Creditor Name : XXXX Failure to Maintain Accurate Reporting - Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The conflicting reporting dates, as well as the continued reporting of a closed and paid account, indicate an error.

Outdated Information Reported - If XXXX is reporting this account until 2025 while it has been closed and paid, this may be a violation of the permissible reporting period under FCRA 15 U.S.C. 1681c ( a ). 
Failure to Verify Information Upon Dispute - 15 U.S.C. 1681i mandates that credit bureaus conduct a proper reinvestigation. I request that you obtain original account documentation to verify its accuracy. 

Creditor Name : XXXX Dispute Grounds : Inconsistent Reporting Across Bureaus - The balance and high balance amounts do not match across all three bureaus, suggesting inaccuracy in reporting. 
Failure to Update Account Status - The account is marked as closed, yet late payment remarks remain, which is misleading and inaccurate under 15 U.S.C. 1681e ( b ).

Inaccurate Remarks - The creditor remarks indicate " canceled by credit grantor '' and " closed due to inactivity, '' which need verification as these conflicting statements may impact my creditworthiness unfairly.

I demand the following actions : Conduct a full and proper investigation as required by the FCRA.

Provide me with all supporting documentation used to verify the accuracy of these accounts.

If verification can not be provided, immediately delete these accounts from my credit file.

Cease reporting inaccurate and misleading information to ensure compliance with federal law.

Failure to comply with these legal requirements will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal proceedings for damages as permitted under FCRA 15 U.S.C. 1681n and 1681o.

I expect a written response and resolution within 30 days, as required by law. Please send all correspondence to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I am contacting whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt concerning Account # XXXX with XXXX XXXX XXXX, as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer per 15 USC 1681 ( a ) ( 4 ). I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt, and during this time all furnishing and collection activities must cease through all mediums, including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt, it shall be deleted and removed from my credit file immediately. If adverse action is taken against me as a consumer, I will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


Thank you for your attention in this matter, By : XXXX, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit bureaus : Equifax, Experian, and TransUnion. My grievance stems from their continued noncompliance and civil negligence under the Fair Credit Reporting Act ( FCRA ), particularly section 1681-O, which necessitates the civil liability for willful noncompliance. 

I have faced several issues across different dates when I attempted to dispute inaccuracies on my credit reports. The specific dates of my disputes are as follows : XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX CAPITAL XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$950.00} XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Despite providing all the necessary documentation and clear evidence, each of these disputes was met with either inadequate or no response, reflecting a severe lack of due diligence and negligence on the part of these credit reporting agencies. Such lapses have consequently resulted in significant impact on my credit standing, causing substantial harm and financial distress. along with my information being breached with Equifax.

In compliance with the FCRA, I seek the support and intervention of the CFPB to hold these credit bureaus accountable for their continued negligence. It is imperative that these bureaus adhere to the standards set forth by the FCRA, ensuring accuracy, fairness, and privacy of consumer information. 

I kindly request the CFPB to investigate this matter at the earliest convenience and take appropriate actions to address these grievances. Additionally, I seek redress for the damage inflicted due to their noncompliance and negligence. 

Please find attached copies of my correspondences and evidence submitted during my disputes, which can provide further context and substantiate my claims. 

Thank you for your attention to this matter, and I hope for a prompt resolution with your esteemed office 's involvement.

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 2025-03-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX La XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reporting A hand 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 disputes properly. Reinserting previously disputes 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 2025-03-06 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX BANK XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-06 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-06 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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 recentlly reviewed a copy of my credit report and noticed I had fraudulent account in my report.Please remove those account from my report they are hurting my ability to obtain credit. 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