vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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:
XXXX Is the complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : 1. 
XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information XXXX XXXX 2. **Credit Reporting Agency ( CRA ) - Name of CRA :, Equifax , Experian, TransUnion ] - Date Dispute XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ validation of debt 3. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more than 30 days have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

I have attached copies of any relevant documentation, including [ list any supporting documents, e.g., dispute confirmation, correspondence with the CRA, etc. ]. 

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

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX  - Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 5 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX  - Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number - XXXXXXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 5 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX Is the complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : 1. 
XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information XXXX XXXX 2. **Credit Reporting Agency ( CRA ) - Name of CRA :, Equifax , Experian, TransUnion ] - Date Dispute XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ validation of debt 3. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more than 30 days have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

I have attached copies of any relevant documentation, including [ list any supporting documents, e.g., dispute confirmation, correspondence with the CRA, etc. ]. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX Is the complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : 1. 
XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information XXXX XXXX 2. **Credit Reporting Agency ( CRA ) - Name of CRA :, Equifax , Experian, TransUnion ] - Date Dispute XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ validation of debt 3. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more than 30 days have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

I have attached copies of any relevant documentation, including [ list any supporting documents, e.g., dispute confirmation, correspondence with the CRA, etc. ]. 

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

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit score dropped over XXXX points over a week period for one account separated out into 4 different accounts with XXXX. Payments became due unaware to me 4 months ago. I was not notified correctly and I am paid up to date now. We were attempting to buy a second property and my credit was pulled a few weeks ago with a credit score over XXXX and now it is XXXX. We immediately made payments yesterday but this has now affected all of my credit and may lose my job due to my security clearance. XXXX said they notified me via email but I did not receive them, and I received no call, text messages or direct mail. I've reached out to XXXX and they only said they were sorry and that they emailed me notices, which I did not receive. I contacted XXXX and XXXX today and filed complaints. I was unable to contact TransUnion as their site was having issues.

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 2025-02-28 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: MI

Complaint narrative:
I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report. 

As it pertains to the Bankruptcy report the burden of proof is on you, the credit bureau, to ensure all information reported is 100 % accurate. Since the court has confirmed they do not report to you, I demand that you either verify this bankruptcy with them directly or remove it from my report immediately. If you fail to do so, I will have no choice but to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ), and pursuing legal action for FCRA violations. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds or the U.S. 
Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed Equifax Transunion and Experian Credit Bureau have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third-party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report. 

As it pertains to the Bankruptcy report the burden of proof is on you, the credit bureau, to ensure all information reported is 100 % accurate. Since the court has confirmed they do not report to you, I demand that you either verify this bankruptcy with them directly or remove it from my report immediately. If you fail to do so, I will have no choice but to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ), and pursuing legal action for FCRA violations. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds or the U.S. 
Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed Equifax Transunion and Experian Credit Bureau have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third-party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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