vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my good standing. I am requesting immediate corrective action to remove or amend the disputed accounts., as Experians inaction violates federal law and my rights as a 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 non-monetary relief
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my good standing. I am requesting immediate corrective action to remove or amend the disputed accounts., as Experians inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to report an ongoing issue with a fraudulent account that remains on my credit report despite my repeated efforts to resolve it with Experian, TransUnion, and Equifax. 
I am a victim of identity theft, and I have provided all three credit bureaus with extensive documentation to substantiate my claim, including : Police report Identity theft report filed with the Federal Trade Commission ( FTC ) Notarized identify theft affidavit Proof of address Proof of identity ( including my Social Security card ) Despite submitting this evidence, the account continues to appear on my credit file. I have also notified original creditor of this matter, but the issue persists. This fraudulent account is causing me significant financial and emotional distress, and I am fully prepared to escalate this matter if necessary to ensure its removal. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus are required to investigate and remove inaccurate or unverifiable information from a consumers credit report within 30 days of receiving a dispute with supporting evidence. Additionally, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) obligates furnishers to correct or delete information they can not verify as accurate once notified of an identity theft claim. I have fulfilled my responsibilities by providing the required documentation, yet neither the credit bureaus nor creditor have complied with their legal obligations.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. Those remarks have been detrimental to my life and credit health.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. Those remarks have been detrimental to my life and credit health.

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 2025-02-27 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: SC

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Many accounts still show on my credit report dispute being past the age they should appear on my credit report. Also information is incorrect overall on many accounts.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report with equifax show a mortgage of {$5100.00} that loan was cancelled by XXXX XXXX I send them a letter by XXXX that says this loan is cancelled but they did not take out of my credit report and that is hurt me with my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-27 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am filing a formal complaint regarding an account that is incorrectly being reported on my credit file, despite being past the statute of limitations for reporting. The statute of limitations for this account is XXXX years, as it was established in Delaware. 

I contacted XXXX XXXX and XXXX ( online ) and even after filing a dispute, and they informed me that they could not assist me but advised me to reach out to XXXX. However, I have not been able to reach anyone at XXXX again over the phone to resolve this matter. Since this account is beyond the allowable reporting period, it should be removed from my credit report immediately. 

I have also attached a copy of my credit report I am granting the CFPB authorization to investigate this matter further on my behalf. I appreciate your assistance in ensuring that XXXX complies with federal credit reporting laws and promptly removes this outdated account. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
please see attached forms, i was affected by the Equifax data breach. Equifax, Transunion and Experian refuses to block information within 5 days of getting my FTC REPORT and allows creditors to report on my credit file without my written or verbal consent. i have requested a method of verification and also ask them to cease all credit reporting for carmax auto finance and procollect until this issue is resolved. They have violated my privacy rights and fair credit reporting consumer rights

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
please see attached forms, i was affected by the Equifax data breach. Equifax, Transunion and Experian refuses to block information within 5 days of getting my FTC REPORT and allows creditors to report on my credit file without my written or verbal consent. i have requested a method of verification and also ask them to cease all credit reporting for carmax auto finance and procollect until this issue is resolved. They have violated my privacy rights and fair credit reporting consumer rights

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 2025-02-27 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: TX

Complaint narrative:
According to 15 USC 1692 C, they have violated my rights by unlawful communications according to FCRA section 605B, it is illegal to report anything on my credit report without my permission please remove this negative item thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 USC 1692 C, they have violated my rights by unlawful communications according to FCRA section 605B, it is illegal to report anything on my credit report without my permission please remove this negative item 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

according to 15 US U.S code 1681c-2. This is my statement that all of the listed accounts have been reported without expressed written consent, and therefore is a result of identity theft, and must be removed. These accounts are not related to any transactions made by me the consumer. fraudulent accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 stating I never gave them written consent to furnish my information to obtain my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within XXXX days.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information that TransUnion has reported on my credit file. I was a victim of the XXXX and XXXX data breaches, which compromised my personal information and have since resulted in inaccurate and unauthorized accounts appearing on my credit report. Under 15 U.S.C. 1681c-2 ( a ), I have the right to request the deletion of any information resulting from identity theft. Despite my efforts to dispute these fraudulent accounts with TransUnion, they have failed to remove the unauthorized items as required by law. I am requesting the CFPBs assistance in ensuring TransUnion complies with federal regulations and immediately deletes these fraudulent accounts from my report. Please advise on the next steps to resolve this matter. 

XXXX XXXX XXXX Account # 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 2025-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
- Inquiry Date : XXXX XXXX - Company Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX - Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Company Name : XXXX XXXX XXXX  -Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX -Inquiry Date : XXXX XXXX XXXX Name : XXXXXXXX XXXX XXXX -Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXXInquiry Date : XXXX XXXX -Company Name XXXX XXXX XXXX XXXXXXXX XXXX  I have contacted all the companies listed in connection with these hard inquiries to inquire about their legitimacy. Despite my efforts, none of these issues have been resolved, and the hard inquiries are still showing on my credit report. 

These inquiries are unfamiliar to me, and I have not authorized them. I have made multiple attempts to resolve this matter directly with the companies involved, but they have not provided a satisfactory resolution or removed the inquiries from my credit report. 

I am requesting your assistance in addressing this issue and ensuring that the unrecognized hard inquiries are investigated and removed if they were made in error or without my consent.

Company response to consumer: Closed with explanation