vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX has failed to comply with the law and is in fact breaking the law Defamation If applicable, I believe the content violates my rights under state defamation law, which protects individuals from false statements that harm their reputation. Under California Civil Code 45, defamation occurs when false statements are made with the intent to damage someone's reputation.

Right to Privacy Under 42 U.S.C. 1983, I am requesting the removal of any content that constitutes an unlawful invasion of privacy, which may include the disclosure of private personal information or violations of General Data Protection Regulation ( GDPR ) principles, if relevant.

I affirm that the content in question infringes my rights, and I request that you immediately remove or disable access to this content in accordance with your legal obligations under the DMCA and relevant state laws.

Please provide confirmation that the content has been removed within [ number of days, typically 7-14 days ] from the date

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 2025-03-02 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
My credit profile was hacked several times now my credit score can not be used for anything and I want to clear this up immediately. I just found out about this process and really need this rectified Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
After XXXX  years of Requested disputes company has still refused to investigate issues related to file. Attached youll see my private XXXX file and will see how its been locked, validated and reviewed. XXXX was the only company to comply with FCRA standards and CFPB dispute information. Company has failed to review files within XXXX days, ignored calls for dispute request and cause financial and emotional distress without compensation

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 2025-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Company refuses to comply with the FCRA laws. Company is harassing and continullay sending communications over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. The fraudulent inquiries I have found : 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. 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 hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: DE

Complaint narrative:
I requested a dispute from Experian concerning items on my report one from XXXX XXXX  and the other XXXX. They responded back I less than a week stating it was accurate. I asked for the original owner of the collection because I had no knowledge of who they were and I did not receive it. Now I have people contacting and threatening me for a debt Im unaware of. Not to mention Im trying to purchase a home

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inaccurate and improper information that is currently being reported on my credit profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into the errors and correct any inaccurate information immediately. Furthermore, I request that any incorrect names, addresses, or other personal information that do not match my current address, XXXX XXXX XXXX, XXXX, Florida XXXX, be deleted from my credit file. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has previously sued Equifax and Experian for engaging in sham investigations regarding consumer disputes. As such, I am requesting that you conduct a legitimate and comprehensive review of my credit file to ensure compliance with federal law and to correct any discrepancies without delay. 

Under the FCRA, you have XXXX days from receipt of this letter to investigate and respond. If you fail to comply with this request, I will be left with no choice but to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please send me a written confirmation of the results of your investigation, along with an updated copy of my credit report once the necessary corrections have been made. If you need any additional information from me to process this request, please do not hesitate to contact me. 

I expect your prompt attention to this matter and look forward to your resolution within the time frame mandated by law.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate and improper information that is currently being reported on my credit profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into the errors and correct any inaccurate information immediately. Furthermore, I request that any incorrect names, addresses, or other personal information that do not match my current address, XXXX XXXX XXXX, XXXX, Florida XXXX, be deleted from my credit file. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has previously sued Equifax and Experian for engaging in sham investigations regarding consumer disputes. As such, I am requesting that you conduct a legitimate and comprehensive review of my credit file to ensure compliance with federal law and to correct any discrepancies without delay. 

Under the FCRA, you have XXXX days from receipt of this letter to investigate and respond. If you fail to comply with this request, I will be left with no choice but to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please send me a written confirmation of the results of your investigation, along with an updated copy of my credit report once the necessary corrections have been made. If you need any additional information from me to process this request, please do not hesitate to contact me. 

I expect your prompt attention to this matter and look forward to your resolution within the time frame mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
They are awesome that have been reported on my account that I have no idea of. I have been affected in the state of breach and I also do about the charges on my credit report. Im so confused because those do not regard me.

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 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: VA

Complaint narrative:
I paid the vehicle off, with late payments being reported after payoff. Asked for a complete repair of issue and payment history. I received a statement claiming everything was correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/2025 Attn : Consumer Relations Chex Systems XXXX XXXX XXXX, XXXX, MN XXXX, Request to remove accounts from Credit Consumers Dear chexsystem I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : 3. Account with XXXX [ Other Reporting Source ] ( Account # XXXX / XXXX ) - Charge Off Amount : {$1100.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

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

Sincerely, 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 2025-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
XXXX XXXXXXXX  was loan company I used to build up my credit but after making XXXX  months of payments twice a month deducted out my bank account by them they was charging XXXX percent interest so my balance never decreased I put stopped payment on them and disputed off my credit reports showing all my payments and I won the dispute taking them off my report so just sharing my story so others beware of net credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am formally requesting the removal of **incorrect and outdated personal information** from my credit file under **FCRA 1681i**, which mandates that credit reporting agencies maintain only **accurate and up-to-date information**.

**1. Incorrect Name Variations** Please remove any inaccurate or misspelled names that do not match my legal identity : - **XXXX XXXX  XXXX XXXX XXXX XXXXXXXX** - **XXXX XXXXXXXX Only my **full legal name** should be reported.

**2. Incorrect or Outdated Addresses** I request the removal of the following addresses that are outdated or incorrect : - XXXX XXXX XXXX, XXXX, TX, XXXX - XXXX XXXX XXXX, XXXX XXXX TX, XXXX - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX Only my **current and accurate residential address** should be reflected on my report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX **3. Incorrect Employment Information** The following employment records are inaccurate and should be removed : - **XXXX XXXX** - **XXXX** My employment records should either be **removed** as they are irrelevant to credit reporting. 

**Action Required** Per **FCRA 1681i**, I demand that you : Delete all inaccurate names, addresses, and employment records** immediately.

Update my file with only my correct and verifiable information. ** Provide me with an updated credit report reflecting these corrections. ** Failure to comply with this request will result in a **formal complaint** to the **Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) **.

I expect a response and an updated credit report **within the legally required 30-day time frame**.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am formally requesting the removal of **incorrect and outdated personal information** from my credit file under **FCRA 1681i**, which mandates that credit reporting agencies maintain only **accurate and up-to-date information**.

**1. Incorrect Name Variations** Please remove any inaccurate or misspelled names that do not match my legal identity : - **XXXX XXXX  XXXX XXXX XXXX XXXXXXXX** - **XXXX XXXXXXXX Only my **full legal name** should be reported.

**2. Incorrect or Outdated Addresses** I request the removal of the following addresses that are outdated or incorrect : - XXXX XXXX XXXX, XXXX, TX, XXXX - XXXX XXXX XXXX, XXXX XXXX TX, XXXX - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX Only my **current and accurate residential address** should be reflected on my report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX **3. Incorrect Employment Information** The following employment records are inaccurate and should be removed : - **XXXX XXXX** - **XXXX** My employment records should either be **removed** as they are irrelevant to credit reporting. 

**Action Required** Per **FCRA 1681i**, I demand that you : Delete all inaccurate names, addresses, and employment records** immediately.

Update my file with only my correct and verifiable information. ** Provide me with an updated credit report reflecting these corrections. ** Failure to comply with this request will result in a **formal complaint** to the **Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) **.

I expect a response and an updated credit report **within the legally required 30-day time frame**.

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 2025-03-01 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:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX  XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation