vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Subject : Dispute : Failure to Conduct Reasonable Investigations as Highlighted in CFPB Lawsuit Dear Equifax, Experian and TransUnion I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter serves as my formal Round 2 dispute regarding the following accounts : 1. XXXX XXXX-These account are reporting inaccurate despite no supporting documentation 2. XXXX XXXX XXXX XXXX -This account is not mine and remains unverifiable. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPBs complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. 

As per the FCRA XXXX ( XXXX U.S.C. XXXX ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 

2. Furnish me with the Original contract of these debts, 3. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPBs findings and your previous handling of my dispute, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Conduct a thorough and reasonable investigation into the disputed accounts listed above. 

2. Delete or correct any unverifiable, inaccurate, or incomplete information. 

3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question. 

4. Send me an updated copy of my credit report reflecting any changes. 

I have included copies of relevant supporting documents and identification to aid in your investigation. Under FCRA XXXX ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. 

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 


I sent certified letters to TransUnion, Eqifax and Experian as my second attempt to resolve this matter,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a check in the amount of {$20000.00} for a vehicle loan on a XXXX XXXX XXXX. On the check we put the last XXXX of the XXXX and make of the XXXX vehicle. We also have a XXXX auto loan with XXXX for a XXXX XXXX. They mistakenly applied the XXXX XXXXXXXX check to the XXXX and reported the payment for the XXXX as late on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX to find out what happened and this is when I found out the XXXX XXXX was being applied to the wrong account and was in pending status. With the XXXX XXXX representative on the phone, we called our bank on a XXXX way call, put a stop payment on the XXXX XXXXXXXX check going to the wrong loan & made an XXXX transfer for {$22000.00} on the XXXX vehicle loan all in the same call which posted XX/XX/XXXX. XXXX still kept and reported the payment as late. This dropped my credit score from XXXX to XXXX, nearly XXXX points! XXXX has not reversed this and after I called XXXX again to ask why not, they are still refusing to do so and said they will not open an inquiry or provide updated non-late status of the payment. This in turn reduced available credit on credit cards that took years to build up. Thanks 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 2025-02-05 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have found that my name has been reported incorrectly. The only correct and legal name associated with my Social Security number and all financial accounts is XXXX XXXX XXXX. However, I have noticed the presence of other incorrect and unknown names on my report. 

These misreported names are not associated with me in any capacity, and I request that they be removed immediately to prevent any potential identity fraud, errors, or damage to my credit profile. Please update my credit file to reflect only my correct and legal name : XXXX XXXX XXXX, as it appears on my Social Security card. 

As required by law, I request a thorough investigation into this matter and the removal of any inaccurate information. I have enclosed copies of my government-issued ID, Social Security card , and any other necessary supporting documents to verify my identity. 

In accordance with the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I expect these corrections to be made within the required 30-day period. Please provide me with written confirmation once the corrections have been made, along with a corrected copy of my credit report. 

If this matter is not resolved promptly, I am prepared to escalate this issue, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action if necessary. 

I appreciate your prompt attention to this urgent matter. Please confirm receipt of this letter and inform me when these inaccuracies have been addressed. 

Sincerely, 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 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-05 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: NC

Complaint narrative:
I am a victim XXXX XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 6 )

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 2025-02-05 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: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates

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 2025-02-05 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello..I have unauthorized inquiry on file under XXXX XXXX ( FCRA ) and with all these breaches I wish to have it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX 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, Experian may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate. 

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This was from XXXX  I opened an account with Wells Fargo Bank, and I deposited XXXX dollars in the account and XXXX days later I went to withdraw money from my account and was faced with insufficient funds, I do not understand how that could have happened, so I went and talked to customer service at the bank. I had all paper work with me from opening the account, and they said that with draws were made from a grocery store in XXXX Washington and others were done from an ATM in California. I would like to know how I can be in XXXX places at the same time. I do not drive nor do I travel. So I would like my money back because when I told them this wasn't me and that I was not paying the over draft fees or insufficient funds fee they closed my account.

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Please see attached Email proof Proof of service which proves I never said I even know this man Email proof that motion to compel was submitted prior to XXXX of XXXX Proof I offered XXXX dollar settlement t never received notice of approved settle t due by XXXX Proof complaint filed with occc about servicer serving a child

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

I also submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, a credit report can only be accessed under specific and legally defined circumstances, such as with my explicit written consent or for permissible purposes under the law.

As outlined in 15 U.S.C. 1681b, accessing a consumers credit report without permissible purpose is a violation of federal law. This unauthorized inquiry has affected my credit score and may lead to further negative consequences if not corrected immediately.

In addition to 15 U.S.C. 1681b, this situation also violates several other federal laws designed to protect consumers, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft Given these violations, I kindly request that TransUnion investigate this matter and remove the unauthorized inquiry from my credit report. I have attached a copy of my photo ID and proof of address for verification purposes. Once the correction has been made, please provide me with an updated copy of my credit report. 

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

Sincerely, XXXX XXXX XXXX Attachment : 15 U.S.C. 1681b Permissible Purposes of Consumer Reports 15 U.S.C. 1681b outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. These purposes include : In response to a court order or subpoena. 
With the written consent of the consumer. 
For legitimate business needs related to a credit transaction, employment, insurance underwriting, or account review. 
Accessing a consumer report without XXXX of these permissible purposes is a direct violation of federal law and can result in legal consequences.

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 2025-02-06 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section XXXX ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, XXXX U.S.C. XXXX ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within XXXX business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section XXXX ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, XXXX U.S.C. XXXX ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within XXXX business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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 non-monetary relief
Consumer complaint received 2025-02-05 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: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/year> I filed a dispute with a company called JEFFERSON CAPITAL SYSTEMS for a collection in the amount of {$3000.00}. I filed this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

Company response to consumer: Closed with explanation