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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint against Equifax due to its failure to enforce the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ) and 623 ( 15 U.S.C. 1681s-2 ), in relation to the reporting of inaccurate and inconsistent information from XXXX XXXX  XXXX XXXX continued inaction has resulted in financial harm, emotional distress, and significant damage to my credit profile. 

I was already disputing and requesting that XXXX XXXX validates the debt when i reported that my identity was compromised, impacting all my personal and financial/banking information. 

During this time : Equifax failed to block the XXXX XXXX account under FCRA Section 605B, even after being notified of identity theft and receiving supporting documentation ( FTC Identity Theft Report and disputes ). 

XXXX XXXX reported inaccurate and inconsistent payment statuses, such as showing XXXX as both on time and 30 days late and XXXX as 60 days late while payments were listed as paid but unavailable. These changes occurred nearly every week without any notice of missed payments. 

Equifax allowed unauthorized changes to my personal information, including the deletion of my real name, marital name, date of birth, and employer, while allowing incorrect addresses, including an address in Arizona where I have never lived, to be associated with my report. 

XXXX XXXX has also contributed to these violations by failing to notify me of any missed payments or validate the account. I believe XXXX XXXX is responsible for reporting the fraudulent Arizona address, further proving the account and their actions are fraudulent.

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: 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 accounts is accurate without providing any evidence of a through 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 Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 
I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

This are the accounts that I marked as inaccurate : XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I investigated my credit report and found several items there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ), " Accuracy of the report, '' whenever a consumer reporting agency prepares a consumer report, it shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, 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 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. 

Please immediately remove the following items from my credit report, as these accounts have never been late. 

XXXX : XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct XXXX : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX TransUnion : XXXX XXXX  XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX XXXX  XXXX XXXX Acct Number XXXX XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I investigated my credit report and found several items there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ), " Accuracy of the report, '' whenever a consumer reporting agency prepares a consumer report, it shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, 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 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. 

Please immediately remove the following items from my credit report, as these accounts have never been late. 

XXXX : XXXX XXXX  XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct XXXX : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX Equifax : XXXX XXXX  XXXX XXXX Acct Number XXXX XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX

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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission to XXXX consistently responding within 24 hours, the account is accurate without providing any evidence ofr 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX {$29.00} XXXX XXXX {$29.00} XXXX XXXX {$29.00} x XXXX Navy federal do not send notifications that you do not have insufficient funds. They just take the money you do have, making the account become in the negatives and charge you {$29.00}. I was charge {$29.00} twice in one day.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXXXXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information in my credit report, which I obtained from your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies in my report. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX  account XXXX I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your agency, and I have identified [ specific account name or number ] as being inaccurately reported as a charge-off. 
Supporting Documentation : I have attached a copy of my credit reports from XXXX, TransUnion and XXXX. 

The CFPB lawsuit against your company highlighted several systemic issues that align with my experience, including : Failure to forward consumer-submitted documentation to furnishers. 
Use of inaccurate or generic dispute codes, leading to miscommunication with furnishers. 
Reliance on inaccurate responses from furnishers without further investigation.

These practices raise serious concerns about the integrity of the dispute resolution process. I demand that you : 1. Conduct a reasonable reinvestigation of the disputed item, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. Forward all relevant information and my supporting documentation to the furnisher of the information, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ).

3. Provide me with clear, written notice of the reinvestigation results, including specific details of any changes made to my report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 

Additionally, I request that you provide me with a corrected credit report once the errors have been resolved. 

If you fail to address this dispute properly, I will escalate the matter to the CFPB and may explore further legal action.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX [ Ph # ( 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information in my credit report, which I obtained from your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies in my report. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX account XXXX I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your agency, and I have identified [ specific account name or number ] as being inaccurately reported as a charge-off. 
Supporting Documentation : I have attached a copy of my credit reports from XXXX, XXXX and Equifax. 

The CFPB lawsuit against your company highlighted several systemic issues that align with my experience, including : Failure to forward consumer-submitted documentation to furnishers. 
Use of inaccurate or generic dispute codes, leading to miscommunication with furnishers. 
Reliance on inaccurate responses from furnishers without further investigation.

These practices raise serious concerns about the integrity of the dispute resolution process. I demand that you : 1. Conduct a reasonable reinvestigation of the disputed item, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. Forward all relevant information and my supporting documentation to the furnisher of the information, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ).

3. Provide me with clear, written notice of the reinvestigation results, including specific details of any changes made to my report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

Additionally, I request that you provide me with a corrected credit report once the errors have been resolved.

If you fail to address this dispute properly, I will escalate the matter to the CFPB and may explore further legal action.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX [ Ph # ( XXXX ) XXXX XXXX XXXX

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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX  XXXX XXXX under account number XXXX, with a total fraudulent amount of {$5700.00}, discovered in XX/XX/XXXX. 
A personal loan account opened at XXXX XXXX XXXX under account number XXXX, with a total fraudulent amount of {$2900.00}, discovered in XX/XX/XXXX. 
A credit card account opened at XXXX XXXX  under account number XXXX, with a total fraudulent amount of {$9800.00}, discovered in XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question ( including XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ) as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX, {$1400.00} XXXX  XXXX XXXX  : XXXX, {$1400.00} XXXX XXXX XXXX : XXXX, {$310.00} XXXX XXXX XXXX : XXXX, {$730.00} XXXX XXXX : XXXX, {$190.00} XXXX XXXX XXXX XXXX : XXXX, {$2000.00} XXXX XXXX XXXX : XXXX, {$260.00} Subject : Request for Immediate Removal of Income-Related Information from My Credit Report Due to Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to file a formal complaint regarding the inclusion of income-related information or transactions on my credit report, which I believe violates federal law, specifically 15 U.S.C. 1681a, 1681b, and 1681c. According to the Fair Credit Reporting Act ( FCRA ), it is explicitly prohibited for income or income-related information to be included on a consumer credit report, as outlined under 15 U.S.C. 1681c ( a ) ( 2 ), which restricts the reporting of income or income-related experiences.

I have identified that [ insert names of the companies ] have unlawfully included such data on my credit report. This constitutes a clear violation of the provisions governing permissible and lawful information to be reported. Under 15 U.S.C. 1681e, a credit reporting agency is required to ensure the accuracy of the information contained in the consumers credit report, and income-related data should not be part of the credit reporting process. I requested a 1099C and did not receive one. Income can not be on a consumer credit report. 

Therefore, I respectfully request that the CFPB investigate this violation and take immediate action to ensure the following : The immediate removal of any income-related data or transactions on my credit report, as this information is not permitted under the law. 
A formal acknowledgment that the involved companies have violated the law and take appropriate action to prevent future occurrences. 
A written confirmation of the actions taken to resolve this issue. 
I would also like to emphasize that if these violations are not addressed promptly, I may be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act and any other applicable consumer protection laws. 

Please consider this matter with urgency, as it is critical to the integrity of my credit profile and compliance with the law. I would appreciate an acknowledgment of this letter and an update on the status of my request within 30 days. 

Thank you for your attention to this important issue.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries Due to Identity Theft Dear XXXX, TransUnion, and XXXX, I am writing to formally dispute all unauthorized inquiries listed on my credit report as a result of identity theft. I did not authorize these inquiries or any applications for credit that led to them. 

The details of my dispute are as follows : These inquiries are fraudulent and have negatively impacted my credit score.

I kindly request that you remove all unauthorized inquiries from my credit report immediately. 

I also request that you block any future fraudulent activities from being associated with my credit file by placing a fraud alert or security freeze, as necessary. 

Please confirm in writing when the unauthorized inquiries have been removed. I can be reached at [ XXXX ] or [ XXXX ] if you require any additional information to process my dispute. 

Thank you for your prompt attention to this matter.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries Due to Identity Theft Dear XXXX, XXXX, and Equifax, I am writing to formally dispute all unauthorized inquiries listed on my credit report as a result of identity theft. I did not authorize these inquiries or any applications for credit that led to them. 

The details of my dispute are as follows : These inquiries are fraudulent and have negatively impacted my credit score. 

I kindly request that you remove all unauthorized inquiries from my credit report immediately. 

I also request that you block any future fraudulent activities from being associated with my credit file by placing a fraud alert or security freeze, as necessary. 

Please confirm in writing when the unauthorized inquiries have been removed. I can be reached at [ XXXX ] or [ XXXX ] if you require any additional information to process my dispute. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief