vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-31 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account XXXX : XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-03-31 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: VA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: NY

Complaint narrative:
I received a threatening call claiming they were a law firm stating that I ignored a judgment and that by me, ignoring this attempt that they were going to take me to court for this judgment. 

I requested that they provide me with the court documents they said were mailed to me. I have contacted my local courts and they have no active petition, docket number, or judgement on file. 

They stated this was regarding a debit from XXXX XXXX, which I have never had a credit card with XXXX XXXX. I explained I did have a credit card with XXXX XXXX, but that was closed and settled over XXXX  years ago. 

I also explained that someone had contacted me a year ago and I provided proof that the account was closed and settled. It seems that entity sold my information to them. I contacted All three credit bureaus, and they longer have record of the closed account listed on my report as the account was closed and settled prior to XXXX. 

Not only is this attempt to collect funds on a closed account from over XXXX  years seem like a scam it is erroneous and is beyond the XXXX XXXX statute of limitations and is time-barred, and this attempt to collect funds from over XXXX  years ago on an account that was closed and settled is reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

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. 
Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am a documented victim of identity theft. I submitted a formal dispute to Equifax, including my FTC Identity Theft Report ( Report ID # XXXX ), a notarized affidavit, and documentation identifying numerous fraudulent accounts and unauthorized credit inquiries. 

Despite this, Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The response I received from Equifax was clearly a boilerplate, auto-generated result. For example, Equifax stated : Inquiries are a factual record of file access and will remain on the credit file for two years.

This response was repeated for every disputed inquiry with no proof of reinvestigation, no verification documents, and no explanation of how the information was validated. Equifax also refused to block or remove multiple fraudulent accounts that I disputed under FCRA 605B, despite having received my identity theft documentation and proper identification.

Equifax Has a History of Similar Conduct : Equifax has previously been sued by the federal government and multiple state attorneys general for failing to conduct proper investigations and using automated dispute response systems that violate consumer rights.

For example : In XXXX, the New York Attorney General investigated Equifax for sham investigations in which consumer disputes were processed by algorithms, not people. 
In XXXX  v. Equifax, a federal court held that failure to investigate disputes can amount to a willful FCRA violation. 

My dispute experience aligns with this same pattern : automated replies, no investigation, no verification, and no removal of fraudulent data. 

FCRA Violations Committed : FCRA 605B Failure to block fraudulent accounts/inquiries after receiving identity theft documentation FCRA 611 Failure to conduct a reasonable reinvestigation of disputed information FCRA 609 No evidence or verification was provided for accounts or inquiries

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
I was denied extension of my XXXX XXXX XXXXXX/XX/XXXX. Application was submitted XX/XX/XXXX for a loan/line of credit of {$50000.00}, along with the application I submitted a tender of payment. On XX/XX/XXXX I sent my opportunity to cure letter to the bank also with a letter to retract the application for extension of credit given. On XX/XX/XXXX I sent over my power of attorney ( POA ) letter. I was letter than responded to XX/XX/XXXX by the main branch for the reasons for my denial and response to my letters of claim to the XXXX interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

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 2025-03-31 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: AL

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
some company is trying to say that I owe them {$7000.00} for an apartment. Ive never stayed at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


Subject : Formal Dispute of Inaccurate Information Violation of 15 U.S.C. 1681o Dear Experian / TransUnion I am writing to formally dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX {$690.00} Acct # XXXX XXXX XXXX XXXX {$1200.00} Account number XXXX XXXX XXXX XXXX {$400.00} Account # XXXX Under 15 U.S.C. 1681o, any person or entity that negligently fails to comply with the FCRA is liable for damages sustained by the affected consumer. I have reason to believe that Experian & TransUnion has failed to ensure the accuracy of my credit report and has negligently violated its obligations under the FCRA, resulting in financial and reputational harm.

As required by the FCRA : 1. I request an immediate investigation and correction of the inaccurate information.

2. Please provide a written response within 30 days, as required by federal law.

3. If you determine the information is accurate, provide a detailed explanation of the verification process and evidence supporting your decision.

4. If you fail to comply, I reserve the right to pursue legal action to recover actual damages, attorneys fees, and other relief as allowed under 15 U.S.C. 1681o.

Enclosed are copies of supporting documents to substantiate my claim. Please update my credit file accordingly and confirm your actions in writing. 

I expect a prompt resolution of this matter. Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
After having reviewed my credit report, i noticed there are some incorrect items on my consumer report. It is imperative that the complete accuracy of what is reported has no errors. I requested a complete investigation and proof of accuracy be provided and if it is not provided I am requesting these items be removed from my credit report. 
XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, EQUIFAX and EXPERIAN about inaccurate late payments being reported. The creditors refusal to remove this inaccurate late payments is an unfair practice under the CFPA. I requested validation of this debt, and no proof has been provided within the required time frame under FDCPA Section 809 ( b ). I dispute its validity and request its removal.

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 2025-03-31 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:
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. Accounts from BOTH XXXX XXXX XXXX XXXX  have been paid % 100 as well as on time and never late. Equifax has refused to update my profile correctly since XXXX of 2024. As well as XXXX XXXX XXXX ( this account needs to be completely deleted )

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 2025-03-31 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:
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. Accounts from BOTH XXXX XXXX XXXX XXXX  have been paid % 100 as well as on time and never late. Equifax has refused to update my profile correctly since XXXX of 2024. As well as XXXX XXXX XXXX ( this account needs to be completely deleted )

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 2025-03-31 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 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: NC

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Credit Bureau : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Reporting Under FCRA Dear XXXX, I am writing to formally dispute the accuracy of a charge-off listed on my credit report under my account. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which provides consumers the right to dispute information that is inaccurate, incomplete, or unverifiable. 

The account in question is as follows : - Creditor Name : XXXX XXXXXXXX - Date of Charge-Off : XX/XX/year> - Creditor Name : XXXX XXXX, XXXX - Date of Late Payment : XX/XX/year> 2025

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I lost my card and are unable to provide the 2step verification to enter into the online account. I called customer service and they were unable to provide a solution. Stating they only have one way to get into the account. No other security questions or options to enter into the online account are available. Even though I prefilled answers to security questions before applying for the card. They told me to wait over a week until the new card comes in to be able to go into the account. However, that wont work as well.

Company response to consumer: Closed with explanation