vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
Subject : Continued Reporting of Inaccurate Information Formal Complaint and Legal Notice of Noncompliance Dear Experian Dispute Department, This is my third formal written dispute regarding multiple inaccurate and unverifiable items on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my prior letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Experian continues to report erroneous information and has failed to provide proper investigation documentation, including a method of verification as required by law under 1681i ( a ) ( 6 ) ( B ) ( iii ).

To date, Experian has not : Corrected or removed inaccurate accounts clearly identified and disputed ; Provided a reasonable method of verification or reinvestigation procedure as mandated ; Produced documentation from furnishers supporting the accuracy of the disputed data.

I am formally putting Experian on notice that its continued reporting of disputed accounts, without valid verification or reasonable reinvestigation, is not only a violation of federal law but aligns directly with the findings in the Consumer Financial Protection Bureau ( CFPB ) v. Experian complaint ( 2023 ). The CFPB found that Experian engaged in deceptive and inadequate dispute handling processes, including failing to conduct reinvestigations and obscuring consumer dispute outcomesconduct that mirrors my personal experience as evidenced in my dispute letters.

Disputed Accounts Still Unresolved Include ( but are not limited to ) : 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 Unverified Hard Inquiries Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX I request the following, as legally required : Immediate removal of all unverifiable and inaccurate items Written confirmation of deletion or correction Complete reinvestigation records and method of verification documentation Failure to comply within 15 days will result in the following actions : Filing a formal complaint with the CFPB, FTC, and NJ Attorney General 's Office Initiating a claim for statutory and punitive damages under 15 U.S.C . 1681n and 1681o for willful and negligent noncompliance Seeking legal remedies for the ongoing violation of my rights under the FCRA I expect full compliance within 15 days of receipt of this notice. A continued failure to conduct lawful investigations and provide verification will not be tolerated.

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 2025-03-22 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-03-22 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I applied to refinance when rates were low as 2 %. I had never missed a payment or was ever late. My credit score was over XXXX and was denied because of my income. I applied a second time and was denied because of my income. The mortgage payment would have only increased {$20.00} a month. They gave me a {$56000.00} loan with the same income when I bought my home so I couldn't understand their reasoning. They expect me to pay any increases on mortgage which is always more than {$20.00}. I eventually fell into massive debt I needed the money to cover medical costs I had put on my credit cards as I didn't have insurance at the time and w/o XXXX XXXXXXXX couldn't work, stand upright, sleep etc. It was necessary. I now have a XXXX credit score, unable to pay my credit card debt, my utilities get a partial payment when I never missed or was late on those either. I filed a discrimination claim against them for the first denial. They are hoping to for close my home. Looking to transfer mortgage to a reputable company. I am currently with Rocket Mortgage. My payment this month was due on XX/XX/XXXX they withdrew the payment on XX/XX/XXXX and sent a payment completed to my phone ( I online bank ) in the interim I had a couple XXXX in my account the next I assumed was from a customer ( I am self employed ) so I paid bills with that money. They then withdrew a payment on the XXXXXXXX XXXX XXXXXXXX stating there was not enough money in my account on the XXXX. Never contacted me and overdrafted my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXXXXXX XXXX XXXX regarding a fraudulent account ( Account Number : XXXX ) that they are reporting under my name. I discovered this account shortly after my release from federal prison on XX/XX/XXXX. This account is completely fraudulent, as I was incarcerated from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained a credit account during that time. Additionally, I have never lived at the address associated with this account. 

I have repeatedly requested documentation from XXXX XXXXXXXX XXXX XXXX and they continue to claim that the requested data is " coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this matter and take action to ensure that XXXX XXXXXXXX XXXX XXXX : Removes this fraudulent account from my records immediately. 
Ceases all credit reporting of this account. 
Provides documentation supporting their claim, if any exists. 
Their failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. 

I have attached supporting documents, including : Proof of my incarceration from XX/XX/XXXX, to XX/XX/XXXX. 
My formal dispute letter sent to XXXX XXXXXXXX XXXX XXXX. 
Please let me know how I can proceed further. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
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 2025-03-22 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX FEDERAL XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at ACHIEVE PERSONAL LOANS on XX/XX/XXXX with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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 demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: WA

Complaint narrative:
I have been wrongfully discriminated against and deactivated from and unable to utilize multiple apps because of checkr wrongfully reporting inaccurate and incorrect information about me. These companies include door dash, whom I worked with for years and had a great delivery rating with. XXXX, when I attempted to sign up in order to rent one of my vehicles I wasn't allowed to because I was told that I failed checkr 's background check. I wasn't even allowed to rent a car from XXXX and when I pushed for info about WHY the answers where very vague and I was eventually told that I was labelled as " high risk '' and I have literally no idea how that could be! So I searched and found a deactivation email that I received on XX/XX/2019 XXXX in order to attain a copy of the background report from the link contained within the email but it was not accessible! I attempted to get a copy directly from the checkr website and it wouldn't allow me to sign up without paying over 40 dollars. So now i'm in a situation that I have to pay them in order to see why they are misrepresenting me to these companies! I mean this is truly ridiculous and I'm beyond words. I don't understand how this company has the right to limit my opportunities lie this when I've done nothing wrong. I can't do XXXX or XXXX, the list goes on and on checkr has made things very difficult for me in the job market on so many occasions and I'm fed up, I don't know what else I can do to clear my name and have the same opportunities as everyone else.f

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-22 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AL

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
I am currently in an open XXXX XXXXXXXX bankruptcy XXXX XXXX XXXXXXXX in XXXX, Oregon ) XXXX I included Boeing Employees Credit Union for 2 credit cards, an overdraft line of credit and an overdrawn checking account. They filed claims for all 4 items against my bankruptcy for repayment. 3 out of the 4 items are reporting correctly to the credit bureaus as {$0.00} owed, XXXX XXXX  petition.

The personal line of credit / overdraft line of credit has been incorrect on my XXXX report. Ive called BECU and Ive disputed it AGAIN and this time BECU responded to the dispute with Charge off, {$2600.00} owed with it being reported as 90+ days past due 17 times since XX/XX/year>. 
This is incorrect because it was less than 30 days past due when I filed bankrupt in XXXX of 2023 ( which was dismissed and I refiled ) I am sorry theres hard feelings around my past due balance although this reporting is very incorrect and should be reporting true and correct information which is : XXXX XXXX XXXXtition {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MT

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX calls before XXXXam just in the month of XX/XX/year> alone. XXXX of those calls were before XXXXam, most others before XXXXam. 3 calls before XXXXam in XXXX and 7 times in XXXX. So that is totalling XXXX calls before XXXXam in 2025 alone. I have asked them to stop calling in the past, the continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1400.00XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$630.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$58.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation