vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 



Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against [ Name of Credit Bureau or Creditor ] for failing to respond within the required 30-day timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

On XXXX XXXX, I submitted a formal dispute regarding XXXX XXXX  XXXX # XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX Balance {$250.00}, XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX, balance {$2400.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$150.00}, which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within 30 days. However, as of today, I have received no response. 

Since the required timeframe has elapsed without proper verification, I demand the immediate deletion of the disputed account ( s ) from my credit report, as failure to verify within the given timeframe means the information must be removed per FCRA 611 ( a ) ( 5 ) ( A ).

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 2025-03-05 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: MS

Complaint narrative:
I sent a request for the following inquiries and account : XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX  to be removed due to not being authorized and violation Under FCRA 15 U.S.C S 1681 S 604. Permissible purpose of consumer reports 15 USC S 1681b. ( 2 ) Disclosure to Consumer. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the 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 2025-03-05 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: MS

Complaint narrative:
I sent a request for the following inquiries and account : XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX  to be removed due to not being authorized and violation Under FCRA 15 U.S.C S 1681 S 604. Permissible purpose of consumer reports 15 USC S 1681b. ( 2 ) Disclosure to Consumer. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to the companies and bureaus nothing was done I have a inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit card This account or fraud and unders fcra 605b and 15 usc 1681 b ,15 usc 1681 2 I have no knowledge about this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account is included in bankruptcy ; account reporting as past due XXXX + days past due when its included in bankruptcy.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate ReportingXX/XX/XXXXXXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of theXX/XX/XXXXXXXX account ( [ Account Number : XXXX ] ) on my Experian credit report. This account is being incorrectly reported as a charge-off while still showing a past-due balance. As you are aware, this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting of consumer credit information. 
Inaccuracies in the Reporting : 1. Charge-Off with Past-Due Balance : The account has been reported as a charge-off ; however, it is still showing a past-due balance. According to the FCRA, once an account is charged off, it should not continue to reflect a past-due amount. This misrepresentation is misleading and in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of credit information must not report inaccurate information.

2. Balance Reporting After Charge-Off : The continued reporting of a balance after a charge-off is inaccurate and misleads lenders evaluating my creditworthiness. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate and complete records, which this reporting fails to do.

Requested Action : I formally request that Experian immediately reinvestigate this account per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable investigation when a dispute is filed. If XXXX XXXX can not verify the accuracy of this reporting, I demand the immediate deletion of this account from my credit report. 
I have attached a copy of my credit report highlighting the incorrect information, along with any supporting documentation. Please provide written confirmation of your findings and any changes made to my report within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

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 2025-03-05 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate ReportingXX/XX/XXXXXXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of theXX/XX/XXXXXXXX account ( [ Account Number : XXXX ] ) on my Experian credit report. This account is being incorrectly reported as a charge-off while still showing a past-due balance. As you are aware, this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting of consumer credit information. 
Inaccuracies in the Reporting : 1. Charge-Off with Past-Due Balance : The account has been reported as a charge-off ; however, it is still showing a past-due balance. According to the FCRA, once an account is charged off, it should not continue to reflect a past-due amount. This misrepresentation is misleading and in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of credit information must not report inaccurate information.

2. Balance Reporting After Charge-Off : The continued reporting of a balance after a charge-off is inaccurate and misleads lenders evaluating my creditworthiness. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate and complete records, which this reporting fails to do.

Requested Action : I formally request that Experian immediately reinvestigate this account per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable investigation when a dispute is filed. If XXXX XXXX can not verify the accuracy of this reporting, I demand the immediate deletion of this account from my credit report. 
I have attached a copy of my credit report highlighting the incorrect information, along with any supporting documentation. Please provide written confirmation of your findings and any changes made to my report within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
Im dealing with incorrect information on my report that is unfairly affecting my scores and blocking my opportunities. Its frustrating to be penalized for errors beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

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 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 XXXX XX/XX/year> 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am attaching an FTC Report which contains 5 fraudulent accounts to be blocked under the FCRA 605B Identity theft 4 day block. I have listed 3 fraudulent inquiries as well in the FTC report in which I will be attaching to be delivered to Experian, Equifax and Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am attaching an FTC Report which contains 5 fraudulent accounts to be blocked under the FCRA 605B Identity theft 4 day block. I have listed 3 fraudulent inquiries as well in the FTC report in which I will be attaching to be delivered to Experian, Equifax and Transunion.

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 2025-03-05 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:
As you can imagine, this is quite concerning. The information listed isnt accurate, and its important for me to have my report reflect the true picture of my creditworthiness. Im requesting that you review this error and take the necessary steps to correct it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
About XXXX years ago I was a victim of bank fraud, because of this my bank account was forcibly closed by XXXX XXXX because my account was in the negatives and all my money was gone. XXXX XXXX claims they did not detect any suspicious activity or fraud. During this time I was also unemployed and the money I did have I was using to try and pay off my debts because my credit score was in the XXXX and I desperately wanted to keep it. I did eventually get a part time job but I was not making enough money to pay all the debts I owed. I did try to reach out with the original company I owed the debt to but they were only able to place my payments on a temporary hold. Eventually I stopped paying them and the debt got charged off to a collection agency. I want to clear my debt to help my credit score get back to what it was, however I learned that paying off debt to collections does not improve your credit score and that it would still be on my credit report. I know none of this is an excuse and I am not looking for sympathy, and yes I should have reached out sooner but I honestly did not think I had any options. I am XXXX XXXX XXXX and I want to go to school. I am reaching out for help to see if there was any way to dispute the charges off of my account. I would really appreciate any help. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

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 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 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX I closed on a new home, with my first mortgage payment due to LoanDepot XX/XX/XXXX. On XX/XX/XXXX I received notice from LoanDepot that my mortgage was being transferred and a new mortgage company would take over as of XX/XX/XXXX. In the notice LoanDepot stated that they would " stop accepting payments after XX/XX/XXXX. '' As I had not received any communication from the new mortgage servicer regarding the ability to make online payments, I chose to schedule my first mortgage payment using LoanDepot 's online payment system to be paid on XX/XX/XXXX. This was a day prior to the transfer, the final date that LoanDepot said they would accept payments, and additionally well within the legally required 60 day window in that payments made to LoanDepot must be treated as on time for the new servicer. 

On XX/XX/XXXX, at XXXX I received an email from LoanDepot notifying me that my payment that should have already been accepted the previous day had been cancelled by LoanDepot XXXX After contacting customer support by phone I was told that my payment that had been scheduled for XX/XX/XXXX was cancelled on XX/XX/XXXX because as of that later date my loan was no longer serviced by LoanDepot. When I asked the customer support agent about the transfer period and LoanDepot 's obligation regarding payments received within the 60 day window, the customer agent replied " I wouldn't recommend that '' ( Paraphrased ). 

I escalated to my loan servicer, who made contact with another customer service support representative via email. That customer service support representative in their reply misrepresented the document, stating " Per the attached letter, loanDepot stopped accepting payments as of XX/XX/XXXX '' [ sic ]. As previously quoted, the specific text in the document that representative attached actually stated that " loanDepot will stop accepting payments after XX/XX/XXXX. '' A reasonable interpretation would not expect that a payment scheduled for a date was made after said date- if that was the intention of the document the sentence would read " as of '' or " on or after '', rather than only " after ''. 

I have already made my payment with my new mortgage provider and do not need to continue doing business with LoanDepot, but am making this complaint for XXXX reasons : - LoanDepot refused to accept a payment for the mortgage made while LoanDepot was still the active servicer of the mortgage. 
XXXX LoanDepot refuses to comply with its federally defined obligation to mortgage holders under 12 USC 2605 ( d ), " Treatment of loan payments during transfer period ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My debit card was hacked. It was the card I used to mnt in that way. I process and make my ocoucess to my acake payments on my line of credit. When I removed the problem card. I tried to add my new card. The system would not allow me to add it. I called customer service. They would not add my card unless I allowed them to make the payment for me. I do notgive any financial institution access to my account in that fashion. I tried several times, asking for supervisors. The same everytime.

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