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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 am writing to dispute the accuracy of an account listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information in a consumers file must be accurate, complete, and verifiable. Upon reviewing my credit report, I discovered an incorrect account that is negatively affecting my credit score. This company made this error without even notifying.

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 information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a FREE membership with Experian, and have always had a free account. I was recently charged XXXX $ by Experian on my Credit card. I have not requested for any credit report or any services. When I try to get in touch with them, my call is answered by a Bot, and it is impossible to talk to a human to get a refund for the money. I have been trying to talk to someone for the last 5 hours.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Here is a dispute letter template based on the Fair Credit Reporting Act ( FCRA ) and issues discussed in the CFPB report regarding inaccuracies in credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ Experian ] [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX TX XXXX ] Subject : Dispute of Inaccurate Information on My Credit Report Dear [ Experian ], I am writing to formally dispute inaccurate information on my credit report, which I obtained on [ XXXX ]. The following item ( s ) contain errors and require immediate correction under the Fair Credit Reporting Act ( FCRA ) : [ XXXX XXXX XXXX ] - Account Number [ XXXX ] Issue : inaccuracy, conducting investigation

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
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 XXXX XXXX XXXX  Subject : Request for Assignment Contract Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( iii ) To Whom It May Concern, I am writing to dispute an item listed on my credit report and to request further documentation regarding its accuracy. Specifically, I am disputing [ Name of Creditor, Account Number, or Other Identifying Information ] reported on my credit file. 

Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( iii ), if my dispute results in the verification of the accuracy of the item in question, the consumer reporting agency is required to provide me with a description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name and address of any furnisher of information contacted in connection with the reinvestigation. 

Additionally, I am requesting a copy of the assignment contract or other agreements between myself and the original creditor, as it pertains to this debt. This document is crucial for verifying the legitimacy and enforceability of the account being reported. 

Please note that, as per the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved promptly and within the legally mandated timeline of 30 days. If you are unable to provide the requested documentation, I request that the disputed account be removed from my credit report entirely. 

I have attached a copy of my credit report highlighting the disputed item, along with a copy of my government-issued ID and proof of address for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information and resolution. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am extremely frustrated trying to get a key rewards offer by Capital One. If I spent {$500.00} outside of the brands by XXXX XXXX XXXX, and the transactions posted within 14 days of the offer period, XXXX XXXX XXXX XXXX, I would earn {$50.00} in Key Rewards posted to my account within 90 days. I am now going on 5 months without the reward posting. I contacted Capital One on XX/XX/XXXX, got a case number and was told I would hear in 10-12 days by XX/XX/XXXX, but received no response. I called again on XX/XX/XXXX and got another case number assigned and was told I would hear the following week. Again, no response. I called again today XX/XX/XXXX XXXX, and I was told no determination yet. My info is XXXXXXXX XXXX XXXX and clearly shows I followed the terms of the offer. I am constantly told I have {$50.00} on my account, but that {$50.00} is from money spent at the XXXX XXXX store over XXXX, and are separate {$20.00} and {$30.00} rewards, not from the promotion. I am beginning to feel like this promo was some kind of scam and Capital One is not standing behind what they offer.

Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am requesting the immediate blocking and removal of multiple fraudulent accounts from my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. 

The following accounts do not belong to me and were opened through identity theft : XXXX XXXX XXXX reported three times SELF REPORTED THREE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have provided both an FTC Identity Theft Report and a police report, yet TransUnion has failed to comply with the FCRA by not blocking these accounts within four business days as required. 



FCRA Violations : 1. Failure to Block Fraudulent Accounts ( 1681c-2 ) TransUnion must block these accounts upon receiving my police report.

2. Duplicate Reporting Each fraudulent account appears three times, further damaging my credit.

3. Continued Reporting & Collection ( 1681s-2 ( a ) ( 6 ) ) These companies were notified of the identity theft but refuse to stop reporting.

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: Kriya Capital, LLC
State: NV

Complaint narrative:
I am requesting the immediate blocking and removal of multiple fraudulent accounts from my XXXX credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2.

The following accounts do not belong to me and were opened through identity theft : XXXX XXXXXXXX XXXX reported three times XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credence ( XXXX XXXX XXXX XXXX ) I have provided both an FTC Identity Theft Report and a police report, yet XXXX has failed to comply with the FCRA by not blocking these accounts within XXXX business days as required. 



FCRA Violations : 1. Failure to Block Fraudulent Accounts ( 1681c-2 ) XXXX must block these accounts upon receiving my police report. 

2. Duplicate Reporting Each fraudulent account appears three times, further damaging my credit. 

3. Continued Reporting & Collection ( 1681s-2 ( a ) ( 6 ) ) These companies were notified of the identity theft but refuse to stop reporting.

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: GA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 


.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to address a critical issue with my credit report. Upon reviewing my file, I discovered an account that is clearly not mine but is incorrectly associated with my personal information. This account is a result of mixed data and belongs to someone else, not me. The inclusion of this account on my credit report is not only erroneous but also harmful to my financial standing. I need this inaccurate information removed 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
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I, XXXX XXXX, submitted three certified mail disputes to Experian regarding inaccurate information on my credit report, beginning on XX/XX/XXXX. Under FCRA 1681i ( a ), Experian is legally required to conduct a timely and reasonable reinvestigation within 30 days. However, Experian has willfully refused to investigate my dispute, violating federal law. 

Despite submitting my dispute directly via certified mail, Experian sent me automated, generic responses falsely claiming my dispute was unauthorized or submitted by a third party. This is not trueI personally sent my disputes and provided all necessary documentation to prove my identity. 

Since Experian ignored my dispute and failed to investigate, I called Experian on XX/XX/XXXX. The recorded call confirmed that Experian never processed my dispute at all, meaning : No investigation was ever initiated, despite my multiple certified mail requests. 
Experian improperly discarded my dispute, failing to meet its legal obligation under FCRA 1681i ( a ). 
Experian falsely claimed my request was unauthorized, a known delay tactic violating consumer rights. 
The supervisor admitted Experian does not have a process to override an improperly rejected dispute, showing systemic noncompliance. 
XXXXperians Clear FCRA Violations : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ( a ) ).

Failure to provide verification of disputed accounts ( FCRA 1681i ( a ) ( 5 ) ). 
Wrongfully rejecting a dispute without justification, causing harm and financial damage. 
Requested Resolution : I am demanding that Experian : Immediately investigate and remove any unverifiable or inaccurate information due to their failure to comply with FCRA requirements. 
Provide proof of how they verified the disputed accounts and their investigation process. 
Provide a free, updated credit report reflecting all corrections and deletions in compliance with FCRA 1681i ( a ) ( 6 ).

Be held accountable for willful and negligent noncompliance under FCRA 1681n and 1681o.

If Experian fails to comply, I will proceed with legal action to seek damages, as permitted under the FCRA. 

Supporting Evidence ( Attached ) : Certified mail tracking numbers & dispute letters proving my request was sent and received. 
Experians system-generated responses rejecting my dispute with a false reason. 
Call transcript from my conversation with Experians representatives, where they admitted no investigation was conducted. 

This is a blatant violation of my consumer rights, and I request immediate action from the CFPB to hold Experian accountable.

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: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
On XXXX I went to Sofi 's website and saw that they offer a Pre- Qualification option on home loans. I submitted my information to see if I was prequalified. I never received personalized rates that they advertise so I assumed I wasn't. Shortly after, I receive a email asking me to submit my documentations ( W2 's, Gift Information..etc ) I never submitted any documentation. On XXXX, I received alerts that my credit has been ran by XXXX ( hard pull ). This credit pull dropped my score down XXXX points. 

On XXXX I called and asked why my a hard pull was done for a Pre-Qualification and was told that someone would call me back. I haven't received any communication as of yet.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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