vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental XXXX XXXX XXXXXXXX XXXX XXXX XXXX to the point I had to have XXXX XXXXXXXX XXXXXXXX XXXX XXXX several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-09 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:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental XXXX XXXX XXXXXXXX XXXX XXXX XXXX to the point I had to have XXXX XXXXXXXX XXXXXXXX XXXX XXXX several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per Equifax and TransUnion has reported an account that was charged off with XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX of {$1800.00}. I was never given the XXXXXXXX XXXX to report the income on my XXXX tax return. 
I've attached the same document I've used to send them to show proof minus my divorce decree which was sent certified mail along with the letter I sent 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
Us Bank has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where US Bank has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe US Bank and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the status

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. Upon reviewing my report, I noticed that certain accounts that I have paid off are still being reported as negative. 

Despite having settled these accounts, they continue negatively impacting my credit report. This discrepancy is impacting my credit score and my ability to secure financial opportunities. 

I kindly request that you investigate this matter and update my credit report to accurately reflect the paid status of these accounts. I am prepared to provide any necessary documentation to support my claim. 

Please confirm receipt of this complaint and inform me of the outcome of your investigation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
The company XXXX XXXX XXXX XXXX located in XXXX, TX XXXX will not remove the inaccurate item from my credit report along with complaints and remarks thats affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: DE

Complaint narrative:
I am writing to formally dispute the inaccurate and incomplete information regarding my credit report, as provided by XXXX XXXX. Upon review of my credit report, I have identified certain items that are either incomplete, inaccurate, or not substantiated by proper documentation. I am requesting that these items be thoroughly investigated and removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following items are being disputed : XXXX XXXX. XXXX claimed I have been late 30 days in XXXX and XXXX of XXXX. I have checked my account on their actual website and see that payments havent been 30 days late. If payments were late, the creditor failed to properly notify me. This is violating the Truth In Lending ( TILA ) if proper billing procedures were not followed. 

I would like to bring to your attention the legal obligation under Section 1681i of the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. This investigation must be completed within 30 days, and if the information can not be verified, it must be removed from the report. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court held that if the credit reporting agency fails to properly investigate disputed items, they are in violation of the FCRA and must remove the inaccurate information from the report. 

Additionally, I would like to highlight XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court ruled that incomplete or inaccurate reporting of credit information violates the FCRA. Therefore, I request that you remove any inaccurate or incomplete information from my credit report, as it does not meet the standards set by the FCRA. 

I am respectfully requesting that this late payment be removed from my credit report as it is inaccurate and potentially damaging to my creditworthiness. 

Please confirm the removal of the disputed items or provide a detailed explanation as to why the information is correct within the 30-day time frame. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-09 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: DE

Complaint narrative:
I am writing to formally dispute the inaccurate and incomplete information regarding my credit report, as provided by XXXX XXXX. Upon review of my credit report, I have identified certain items that are either incomplete, inaccurate, or not substantiated by proper documentation. I am requesting that these items be thoroughly investigated and removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following items are being disputed : XXXX XXXX. XXXX claimed I have been late 30 days in XXXX and XXXX of XXXX. I have checked my account on their actual website and see that payments havent been 30 days late. If payments were late, the creditor failed to properly notify me. This is violating the Truth In Lending ( TILA ) if proper billing procedures were not followed. 

I would like to bring to your attention the legal obligation under Section 1681i of the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. This investigation must be completed within 30 days, and if the information can not be verified, it must be removed from the report. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court held that if the credit reporting agency fails to properly investigate disputed items, they are in violation of the FCRA and must remove the inaccurate information from the report. 

Additionally, I would like to highlight XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court ruled that incomplete or inaccurate reporting of credit information violates the FCRA. Therefore, I request that you remove any inaccurate or incomplete information from my credit report, as it does not meet the standards set by the FCRA. 

I am respectfully requesting that this late payment be removed from my credit report as it is inaccurate and potentially damaging to my creditworthiness. 

Please confirm the removal of the disputed items or provide a detailed explanation as to why the information is correct within the 30-day time frame. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Request for Debt Validation and Removal from Credit Report Account # XXXX {$290.00} Dear CAINE & WEINER I am writing to formally request the validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide the following information to validate this debt : The amount of the alleged debt and a detailed breakdown of how it was calculated. 
The name of the original creditor to whom the debt is owed, along with the date the debt was incurred. 
Documentation or records showing that I am legally obligated to pay this debt, including any signed agreements, contracts, or statements. 
Verification that this debt has been reported to the credit bureaus in my name and any documentation supporting the accuracy of this claim. 
As required by law, please provide this validation within 30 days of receiving this letter. If you are unable to provide the required validation within this time frame, I request that you remove the associated debt from my credit report and cease any further collection efforts. 
Furthermore, if you are unable to validate the debt as per the FCRA and FDCPA, I demand that you immediately notify the credit reporting agencies to remove this entry from my credit report. 
Please note that any failure to provide proper validation or failure to remove the debt from my credit report will be considered a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to file a dispute with the credit bureaus and consider legal action if necessary. 
I look forward to receiving your response within the legally mandated 30-day period. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
Multiple fraudulent inquiries were on my credit report and I did not authorize them.

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 2025-03-09 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:
to whom this may concern, i am filing a complaint against XXXX experian and XXXX, in accordance with the law 15 us code 1681e ( b ). These companies never properly invested my accounts and these accounts are not accurate and some of not even mines, I would like these accounts removed immediately, thank you

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 2025-03-09 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: GA

Complaint narrative:
Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows two late payments ; one for 30 days another for 60 days. Equifax : Shows one 30-day late payment. XXXX : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NJ

Complaint narrative:
I am filing this complaint to report inaccuracies and ongoing inconsistencies in the reporting of an account by XXXXXXXX XXXX XXXX XXXX across the three major credit bureausXXXX, Equifax, and XXXX. 

Description of What Happened Upon reviewing my credit reports from all three bureaus, I noticed that XXXXXXXX XXXX XXXX XXXXXXXX has inconsistently reported an account as follows : Initially, in XX/XX/XXXX, they reported the account to XXXX as " Charged Off / Unpaid Balance Reported as a Loss by XXXX XXXX. '' This designation clearly indicates that the debt had been written off by the creditor. 

Following this, I disputed the account multiple times with all three bureaus, as the reporting was inaccurate. I even sent a formal letter to XXXXXXXX XXXX XXXX XXXXXXXX requesting a Form XXXX for the cancellation of debt when the account was first reported as a loss. 

Despite these actions, XXXX XXXX XXXX XXXXXXXX began updating and changing the accounts type and status inconsistently between XX/XX/XXXX and XX/XX/XXXX. For example : The account was reported as " Open '' during some periods and later updated to " Closed / Collection '', conflicting with their initial designation. 

The account status also shifted between charge-off and collection across different bureaus, with conflicting payment history and " last activity '' dates. 

This pattern of inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ). The information reported is not accurate, complete, or consistent, which has caused ongoing harm to my credit profile. 

Additionally, given that the account was reported as a loss by the creditor in XX/XX/XXXX, I request that this account not be reinstated, re-reported, or added back to my credit report in the future under any circumstances. 

Requested Resolution I respectfully request the following : Deletion of the Account : All information related to this account should be permanently deleted from my credit reports across XXXX, Equifax, and XXXX due to the inaccurate and conflicting reporting. 

Full Investigation by the CFPB : I ask that the CFPB investigate XXXX XXXXXXXX XXXX XXXXXXXX reporting practices and compliance with FCRA. 

Pull My Credit Reports ( XXXXXXXX XXXXPresent ) : I request that the CFPB investigator obtain all my credit reports from XX/XX/XXXX to the present across all three bureaus to review the reporting inconsistencies and ensure proper resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX ongoing and inconsistent reporting of this account, despite initially marking it as a loss, is both misleading and harmful. I trust the CFPB to address these issues appropriately and enforce compliance with federal regulations. 

Thank you for your time and attention. Please let me know if any additional information or documentation is needed to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 formal complaint against Equifax for its failure to maintain accurate credit reporting practices, which has resulted in improper credit accounts appearing on my credit report. Given that Equifax is currently facing legal action for its negligent handling of consumer credit information, I am deeply concerned that my credit profile has been negatively impacted due to similar misconduct. I have disputed this information directly with Equifax, but they have failed to properly investigate and correct the errors. This has negatively affected my credit score and financial opportunities.

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 2025-03-09 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 formal complaint against Equifax for its failure to maintain accurate credit reporting practices, which has resulted in improper credit accounts appearing on my credit report. Given that Equifax is currently facing legal action for its negligent handling of consumer credit information, I am deeply concerned that my credit profile has been negatively impacted due to similar misconduct. I have disputed this information directly with Equifax, but they have failed to properly investigate and correct the errors. This has negatively affected my credit score and financial opportunities.

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 2025-03-09 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: FL

Complaint narrative:
I do not recognize this inquiry in my credit report 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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