vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
XXXX, I am deeply frustrated by your failure to properly investigate my disputes, which appears to involve multiple violations of the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure the accuracy of consumer reports and conduct timely and reasonable investigations. Your actions, or lack thereof, seem to violate several provisions. These include failing to conduct a reasonable reinvestigation of disputed information within the required 30-day period, failing to notify data furnishers of my disputes promptly so they could verify the accuracy of the information, and failing to delete or correct inaccurate or unverifiable information within the required timeframe.

Additionally, you have failed to notify me of the results of the reinvestigation within five business days after its completion and have not provided me with the contact information of any furnishers involved in the reinvestigation. This is further compounded by the failure to ensure that data furnishers conducted their own investigations in response to disputes and to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. 

Your lack of compliance has caused harm to my credit and financial well-being. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take immediate action to hold XXXX accountable for non-compliance. If this matter is not resolved promptly, I will explore further remedies, including filing complaints with

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 2025-01-24 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: IL

Complaint narrative:
I have been communicating with this company since XXXX of XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the seven months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. 

According to Cushman v Transunion 1997, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately.

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 2025-01-24 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: FL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-01-24 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: UT

Complaint narrative:
I was the victim of identity theft. I filed all necessary paperwork with appropriate agencies. Once submitted to all credit bureaus experian deleted the accounts in question. Transunion and XXXX both sent me letters saying they believed these reports were being submitted by a third party. Which they weren't. They requested documents from me which were provided at least 3 times and continue to send the same letter about third party. Neither will provide documentation supporting this and continue to leave accounts on my credit that are severely impacting my scores.

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 2025-01-24 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: MD

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 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 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 2025-01-24 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: TX

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-24 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability under XXXX XXXX. XXXX for Non-Compliance I am writing to formally dispute the claim of civil liability for non-compliance, as referenced in your communication dated [ insert date of claim ]. You have indicated that I may be in violation of XXXX XXXX. XXXX ( Fair Credit Reporting Act ), and I wish to address this claim with the following points : 1. **I Have Fully Complied with FCRA Reporting Obligations : ** - I have ensured that all information provided to the credit reporting agencies is accurate and up-to-date. Specifically, I have reviewed my credit report regularly and addressed any discrepancies immediately. As per the FCRA, I have made sure that all updates to my credit report have been handled in compliance with the required timelines. I have not knowingly or intentionally submitted inaccurate or misleading information.

2. **Lack of Proper Notice or Opportunity to Correct : ** - Under the FCRA, I understand that individuals must be notified when a potential negative item is being reported. However, I have not received any formal notification or a proper opportunity to correct any alleged error. If the dispute is related to inaccurate or outdated information, I have not been given a fair chance to resolve it within the statutory time frame. As required by the FCRA, I would have expected a 30-day period to respond to such notifications, which was not provided. 

3. **Potential Error or Misunderstanding Regarding Timeliness or Reporting Procedure : ** - There may have been a misunderstanding related to the reporting or update of certain information. I have made all necessary corrections in a timely manner, and I have corresponding documentation to support this. For example, I submitted an update request to the relevant credit reporting agency on [ insert date ], and I have confirmation of receipt from the agency, showing that my request was processed in compliance with the FCRA regulations. 

In light of the above points, I respectfully request that this claim of civil liability be thoroughly reviewed and dismissed, as I have acted in full compliance with the applicable sections of XXXX XXXX XXXX. I also request that any negative records associated with this claim be corrected or removed to reflect my adherence to the law. 

Please acknowledge receipt of this letter and provide me with a detailed written response outlining your findings and next steps. I am available to discuss this matter further if necessary and look forward to your prompt resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Regional Management Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability under 15 U.S.C. 16810 for Non-Compliance I am writing to formally dispute the claim of civil liability for non-compliance, as referenced in your communication dated [ insert date of claim ]. You have indicated that I may be in violation of **15 U.S.C. 16810** ( Fair Credit Reporting Act ), and I wish to address this claim with the following points : 1. **I Have Fully Complied with FCRA Reporting Obligations : ** - I have ensured that all information provided to the credit reporting agencies is accurate and up-to-date. Specifically, I have reviewed my credit report regularly and addressed any discrepancies immediately. As per the FCRA, I have made sure that all updates to my credit report have been handled in compliance with the required timelines. I have not knowingly or intentionally submitted inaccurate or misleading information.

2. **Lack of Proper Notice or Opportunity to Correct : ** - Under the FCRA, I understand that individuals must be notified when a potential negative item is being reported. However, I have not received any formal notification or a proper opportunity to correct any alleged error. If the dispute is related to inaccurate or outdated information, I have not been given a fair chance to resolve it within the statutory time frame. As required by the FCRA, I would have expected a 30-day period to respond to such notifications, which was not provided.

3. **Potential Error or Misunderstanding Regarding Timeliness or Reporting Procedure : ** - There may have been a misunderstanding related to the reporting or update of certain information. I have made all necessary corrections in a timely manner, and I have corresponding documentation to support this. For example, I submitted an update request to the relevant credit reporting agency on [ insert date ], and I have confirmation of receipt from the agency, showing that my request was processed in compliance with the FCRA regulations.

In light of the above points, I respectfully request that this claim of civil liability be thoroughly reviewed and dismissed, as I have acted in full compliance with the applicable sections of **15 U.S.C. 16810**. I also request that any negative records associated with this claim be corrected or removed to reflect my adherence to the law.

Please acknowledge receipt of this letter and provide me with a detailed written response outlining your findings and next steps. I am available to discuss this matter further if necessary and look forward to your prompt resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
Iam filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-24 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: OH

Complaint narrative:
Iam filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs 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. 

Accounts mark as inaccurate 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I honestly can't believe this is happening. As someone who follows the law, it's incredibly frustrating and insulting to have my rights as a consumer violated like this. There are fraudulent charges on my credit report that I never benefited from, and despite reporting them to the Federal Trade Commission, they still havent been removed. Its causing me so much stress and anxiety.

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 2025-01-24 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: MA

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 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 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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 XXXX 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. there is an inaccurate late payment from XXXX which is an auto loan. They are stating I have XXXX missed payments from the company which is completely false. They also have accounts that Ive since paid off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Because of these inaccuracies my credit score dropped over XXXX points.

Company response to consumer: Closed with non-monetary relief