vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

1 hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-02-26 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: NY

Complaint narrative:
XX/XX/scrub>XXXX Dear cfpb Subject : Dispute of Inaccurate Information Request for Compliance with FCRA Dear Sir/Madam, I am writing to formally dispute the inaccurate information that appears on my credit report provided by your agency. Upon reviewing my credit report, I have identified the following item ( s ) that I believe to be incorrect : [ List the inaccurate item ( s ) on your report and the reason you dispute them. ] Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( o ), which addresses civil liability for negligent noncompliance, I am requesting that you conduct a reasonable investigation of these items. Your failure to properly investigate or rectify the information could result in legal action based on negligent noncompliance with the FCRA. 

As stipulated in the FCRA, you are required to complete an investigation within 30 days and provide a response to this dispute. I expect this issue to be corrected or clarified promptly to avoid any further escalation of this matter. 

If you find the information to be accurate, I kindly request that you provide documentation supporting the validity of the data reported. If the information is incorrect, I ask that it be removed or corrected accordingly. 

Please provide me with an updated copy of my credit report after completing the investigation and any adjustments made. 

Thank you for your prompt attention to this matter. If you need any additional information from me to process this dispute, please let me know. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-02-26 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:
INCORRECT ACCOUNT INFORMATION - The account does not belong to me- The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX XXXX -acc # XXXX - {$610.00}. The account does not belong to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$950.00} - The account does not belong to me. 
XXXX. XXXX XXXX -acc # XXXX {$2300.00} - incorrect information - The account does not belong to me INCORRECT CREDIT Information : I am disputing the following information that is incorrect : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - incorrect information- never late XXXXXXXX XXXX XXXX  XXXX # XXXX - incorrect information - never late REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL I am disputing the following personal information that is showing for me which is incorrect : XXXX. Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. -please update my address to XXXX XXXX XXXX XXXX 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Subject : Request for Removal of Dismissed XXXX from Credit Report Hello, I am reaching out regarding XXXX XXXX that were filed but later dismissed, which are still appearing on my credit report. Since they were never activated, they serve no purpose remaining on my report. Unfortunately, their presence has severely impacted my ability to obtain credit, including rental approvals, a mortgage loan, and an auto loan. 

These dismissals are preventing me from rebuilding my credit, as I am consistently denied credit opportunities due to their appearance. I would like to request their removal from my credit report so that I can move forward in re-establishing my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MN

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 U.S.C. 1681 - U.S. Code - Unannotated Title 15 and Commerce and Trade 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX ; XXXX XXXX XXXX # XXXX XXXX Account Name : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX  Name XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

U.S. Code 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

U.S. Code 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information other than records of convictions of crimes which preceeds the report by more than 7 years.

U.S. Code 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonale cause to believe that the information is not accurate.

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 2025-02-26 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: MN

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 U.S.C. 1681 - U.S. Code - Unannotated Title 15 and Commerce and Trade 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX ; XXXX XXXX XXXX # XXXX XXXX Account Name : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX  Name XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

U.S. Code 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

U.S. Code 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information other than records of convictions of crimes which preceeds the report by more than 7 years.

U.S. Code 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonale cause to believe that the information is not accurate.

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 2025-02-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App withdrew money from my bank account without my consent for a purchase I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
I was affected by the Equifax Data Breach. I am a victim of Identity theft pursuant to 18 USC 1028A. The accounts that's affecting me are listed below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
There is a XXXXXXXX XXXX  account on my report that I have XXXX knowledge of. 
I tried to reach out multiple times. 
Sent in the correct documents and its still on my report. It must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
There is a XXXXXXXX XXXX  account on my report that I have XXXX knowledge of. 
I tried to reach out multiple times. 
Sent in the correct documents and its still on my report. It must be removed.

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 2025-02-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this 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
Consumer complaint received 2025-02-26 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 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:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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 the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX Date 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 2025-02-26 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information listed on my credit report as provided by your bureau. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable .Accounts in Dispute : XXXX  XXXX XXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Paid Charge Off '' ) Payment Status : Reported as " Payment after charge off / collection '' - this is inaccurate as the account has been paid off. 
Last Reported Date : XX/XX/XXXX ( This is outdated and should be updated to reflect current status ) Comenity BankXXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Charged off as bad debt '' with accurate past due amounts ) Payment Status : Charged off as bad debt is misleading as I have made payments towards this account. 
Last Reported Date : XX/XX/XXXX ( This should be updated to reflect the most recent activity ) XXXX  XXXX Account # : XXXX Account Status : Closed ( the status should indicate " Settled '' given the settlement accepted ) Payment Status : Reported as " Payment after charge off / collection '' which is misleading as it reflects negatively despite the settlement. 
Last Reported Date : XX/XX/XXXX ( Should reflect the current status ) FCRA Violations : The inaccuracies mentioned above constitute violations of the FCRA, specifically under 1681s-2, which requires furnishers to provide accurate information to credit reporting agencies.

Additionally, under 1681i, I am entitled to an investigation of these disputes and a timely response.

Compensation for Violations : Due to the inaccuracies and the potential harm to my creditworthiness, I am requesting compensation for the violations : XXXX XXXX XXXX : {$1000.00} ( inaccurate reporting ) Comenity Bank/XXXX : {$1000.00} ( failure to update account status ) XXXX  XXXX : {$1000.00} ( misleading payment status ) In total, I am seeking {$3000.00} for the violations associated with these accounts.US Codes Referenced : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681i - Procedure in case of disputed accuracy I request that you investigate these matters and provide me with a corrected copy of my credit report reflecting the accurate information. Please complete your investigation within the 30-day timeframe as mandated by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Complaint Regarding Unfair Auto Repossession and Excessive Charges To Whom It May Concern, Due to financial difficulties, I was unable to continue making payments on my vehicle and made the decision to voluntarily surrender it. I contacted the lender multiple times ( approximately three to four times ) to inform them of my decision and offered to hand over the keys. However, without any notice or communication, the car was taken without my knowledge. No one knocked on my door, no paperwork or information was left, and I was not informed of the exact date it would be repossessed. 

After the vehicle was sold at auction, I was still charged an additional {$13000.00} which I believe is unfair and excessive. My concerns are : XXXX. I was not properly informed of when the vehicle would be repossessed. 
XXXX. The car was taken without any notification, despite my repeated attempts to coordinate a voluntary surrender. 
XXXX. No paperwork or documentation was provided at the time of repossession. 
XXXX. I was not informed of the sale price, and the remaining balance seems significantly higher than what should be owed after the auction. 

I am requesting a full breakdown of the sale price, the remaining balance, and any fees added. If proper repossession procedures were not followed, I would like this matter to be reviewed for fairness. Please advise on how this issue can be resolved.

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