vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit bureaus : Equifax, Experian, and TransUnion. My grievance stems from their continued noncompliance and civil negligence under the Fair Credit Reporting Act ( FCRA ), particularly section 1681-O, which necessitates the civil liability for willful noncompliance. 

I have faced several issues across different dates when I attempted to dispute inaccuracies on my credit reports. The specific dates of my disputes are as follows : XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX CAPITAL XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$950.00} XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Despite providing all the necessary documentation and clear evidence, each of these disputes was met with either inadequate or no response, reflecting a severe lack of due diligence and negligence on the part of these credit reporting agencies. Such lapses have consequently resulted in significant impact on my credit standing, causing substantial harm and financial distress. along with my information being breached with Equifax.

In compliance with the FCRA, I seek the support and intervention of the CFPB to hold these credit bureaus accountable for their continued negligence. It is imperative that these bureaus adhere to the standards set forth by the FCRA, ensuring accuracy, fairness, and privacy of consumer information. 

I kindly request the CFPB to investigate this matter at the earliest convenience and take appropriate actions to address these grievances. Additionally, I seek redress for the damage inflicted due to their noncompliance and negligence. 

Please find attached copies of my correspondences and evidence submitted during my disputes, which can provide further context and substantiate my claims. 

Thank you for your attention to this matter, and I hope for a prompt resolution with your esteemed office 's involvement.

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 2025-03-06 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit bureaus : Equifax, Experian, and TransUnion. My grievance stems from their continued noncompliance and civil negligence under the Fair Credit Reporting Act ( FCRA ), particularly section 1681-O, which necessitates the civil liability for willful noncompliance. 

I have faced several issues across different dates when I attempted to dispute inaccuracies on my credit reports. The specific dates of my disputes are as follows : XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX CAPITAL XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$950.00} XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Despite providing all the necessary documentation and clear evidence, each of these disputes was met with either inadequate or no response, reflecting a severe lack of due diligence and negligence on the part of these credit reporting agencies. Such lapses have consequently resulted in significant impact on my credit standing, causing substantial harm and financial distress. along with my information being breached with Equifax.

In compliance with the FCRA, I seek the support and intervention of the CFPB to hold these credit bureaus accountable for their continued negligence. It is imperative that these bureaus adhere to the standards set forth by the FCRA, ensuring accuracy, fairness, and privacy of consumer information. 

I kindly request the CFPB to investigate this matter at the earliest convenience and take appropriate actions to address these grievances. Additionally, I seek redress for the damage inflicted due to their noncompliance and negligence. 

Please find attached copies of my correspondences and evidence submitted during my disputes, which can provide further context and substantiate my claims. 

Thank you for your attention to this matter, and I hope for a prompt resolution with your esteemed office 's involvement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC.
State: DC

Complaint narrative:
Apparently the company has gone out of business. For months I tried to reach them to find out who was servicing my account no one could answer. They promised to contact me by email after they research NOTHING. My credit report is still reflecting a delinquency..but no one to contact. Ridiculous. As a consumer, its not fair to me when I attempt to make good on payments and they wont accept them. I was told they couldnt accept payments but didnt know who I should make payments to. I researched on my own, found a creditor that I thought had my account. They said they do not know why the said merchant keeps sending people to them as they do not have the accounts and can not accept payments. Foolishness.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

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 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 2025-03-06 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: EQUIFAX, INC.
State: OH

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.

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 2025-03-06 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: MD

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 the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate below : XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX I want reported accounts removed Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TN

Complaint narrative:
I am extremely frustrated and disappointed to find an unauthorized inquiry on my credit report. This inquiry is completely unapproved by me, and it has no legitimate or permissible purpose. Its not only inaccurate but completely unacceptable that something like this has ended up on my report. Ive always taken great care in monitoring my credit, and seeing something like this shows a serious disregard for my personal information and rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-03-06 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-03-06 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 explanation
Consumer complaint received 2025-03-06 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I tried to explain to the company this several times. They didnt even have my correct contact information on file and wouldnt give me any information of the person who took out the loan under my name with no proof of identity. The account shows to have been opened XX/XX/year> under synchrony bank for {$14000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX XXXX  open date XX/XX/year> current balance XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX XXXX  open date XX/XX/year> current balance XXXX XXXX account number 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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I mailed a letter to company requesting debt validation. The company did not respond to said letter. Instead the company called me everyday twice a day for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-06 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding an international wire transfer initiated on XX/XX/year>, intended for my account at Mercury Bank. As of today, XX/XX/year>, the funds have not been credited to my account. 

Despite multiple attempts to contact Mercury Bank 's customer support via email I have not received any response. This lack of communication and delay in processing has caused significant inconvenience. 

I request the CFPB 's assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am filing this complaint due to a serious breach of my personal and financial information by XXXX  ( my student loan servicer ) and the reporting of unauthorized personal information on my credit reports from Experian, XXXX, XXXX, XXXX, and XXXX XXXX. 

Description of the Issue : Since early 2025, I have been experiencing ongoing issues with my student loan security and unauthorized credit reporting errors. Upon reviewing my credit reports, I discovered multiple unauthorized and inaccurate pieces of personal information, including : Incorrect addresses and phone numbers Unauthorized employment records Fraudulent accounts or misattributed debts I have never authorized these changes, and my personal data has been compromised without my consent. These errors have directly impacted my consumer profile, financial standing, and personal security. 

Breach of Student Loan Security ( FERPA Violation by XXXX XXXX : As my federal student loan servicer, XXXX is legally required to protect my personal and financial records under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). However, due to their failure to safeguard my records, my student loan information has been compromised, putting me at risk of identity theft and fraud. 

Actions Taken : Since early 2025, I have repeatedly contacted XXXX and my credit bureaus to correct these errors. 
I formally disputed the inaccurate information with Experian, XXXX, XXXX, XXXX, and XXXX XXXX, but no corrections have been made. 
I demanded validation from XXXX regarding their handling of my student loan records, but no clear response has been provided. 
Despite my efforts, the issue remains unresolved, and my privacy and financial security continue to be at risk.

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