vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: TN

Complaint narrative:
* 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 
To make matters worse, I have learned abour 'e recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Creait Report Errors '' ), which highlights neglected efforts in your company affairs. 

have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts removed XXXX XXXX XXXX ACCOUNT HAS INCORRECT IMFORMATION Transuion = {$520.00} Experian = {$510.00} XXXX = {$520.00} This credit line is suspended And I didnt apply for this line of credit. 



XXXX XXXX Past Due : {$740.00} {$700.00} {$740.00} Incorrect reporting Comments : Charged off as bad debt Canceled by credit granto chargers off but I never received a 1099-C Also this account doesnt belong to me. 

XXXX XXXX This account doesnt belong to me XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX This account doesnt belong to me XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX this account doesnt belong to me XXXX XXXX Doesnt belong to 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 non-monetary relief
Consumer complaint received 2025-01-27 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: TN

Complaint narrative:
* 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 
To make matters worse, I have learned abour 'e recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Creait Report Errors '' ), which highlights neglected efforts in your company affairs. 

have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts removed XXXX XXXX XXXX ACCOUNT HAS INCORRECT IMFORMATION XXXX  = {$520.00} Experian = {$510.00} Equifax = {$520.00} This credit line is suspended And I didnt apply for this line of credit. 



XXXX XXXX Past Due : {$740.00} {$700.00} {$740.00} Incorrect reporting Comments : Charged off as bad debt Canceled by XXXX  XXXX chargers off but I never received a 1099-C Also this account doesnt belong to me. 

XXXX XXXX This account doesnt belong to me XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX This account doesnt belong to me XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX this account doesnt belong to me XXXX XXXX Doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
The lender modified my auto loan account during an active dispute, violating FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), proving prior inaccuracies. This suggests unverifiable data, requiring full account deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: DE

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My XXXX XXXXXXXX XXXX  was stolen and total lost. I had XXXX XXXX with my car loan with Capital one and I called to see what I needed to do and I was told nothing and then months later I was contacted to say that they didn't have any XXXX XXXX for me I then had to contact my car dealer and get the information I then did a claim but was told that it was to late because by this time it had been over 90days since the car was totaled so I don't think that should be my fault because they dropped the ball, also this account is charged iff on my credit report and I don't believe that an item can be charge off more then one time however this item is showing charged off some months in XXXX and every month in XXXX which should be an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I hope this letter finds you well. I am writing to file a formal complaint regarding an issue with the dispute process I initiated with Equifax and XXXX, which has yet to be resolved to my satisfaction. 

In XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, I submitted disputes to both Equifax and XXXX concerning inaccuracies on my credit report. Despite my efforts to address these discrepancies, the disputes were either not properly resolved or were not thoroughly investigated in line with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have reason to believe that : Inadequate Investigation : Equifax and XXXX did not conduct a sufficient investigation into the disputed items. 
Failure to Remove Inaccuracies : The inaccuracies that were disputed were not removed or corrected from my credit reports within the statutory time frame. 
Lack of Detailed Reporting : I did not receive the requisite detailed explanations or any adequate documentation from either credit bureau regarding their actions taken to resolve my disputes. 
These unresolved issues have had a negative impact on my credit profile, and I am requesting that the CFPB intervene and ensure that the credit bureaus fulfill their obligations to conduct a thorough investigation as outlined by law. 

I am requesting your assistance to facilitate a proper resolution of my dispute. Please let me know if you need any additional information or documentation to assist with your inquiry into this matter. 

Thank you for your time and attention to this important issue. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple rounds of dispute letters to Experian and XXXX regarding numerous inaccuracies on my credit reports, including incorrect payment statuses, discrepancies in late payment counts, and unauthorized hard inquiries. Despite providing detailed documentation, including evidence of payments and timelines, both credit reporting agencies have failed to properly investigate or resolve these disputes. 

Some disputes were marked as " frivolous '' without valid justification, and the agencies did not provide sufficient evidence to support their findings or corrections. This failure to act in compliance with the Fair Credit Reporting Act ( FCRA ) has caused significant harm, including damage to my credit score and emotional distress. 

I requested the following from the companies : Documentation verifying the accuracy of the disputed accounts. 
Statements of payments made and missed. 
Proof of investigation results and decisions made regarding my disputes. 
To date, neither Experian nor XXXX has adequately addressed these requests. They have failed to comply with their legal obligations under the FCRA, particularly Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper investigation procedures. 

I seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. 
Correction or deletion of inaccurate or unverifiable information from my credit reports. 
Proof of compliance with FCRA requirements for each disputed item. 
I request that the CFPB intervene to ensure these companies comply with the law and address my disputes promptly.

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 2025-01-27 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: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 dispute the validity of the debt you claim I owe. You have violated the Fair Debt Collection Practices Act ( FDCPA ) in several ways. 

Specifically, you have : Used abusive or deceptive means to collect a debt. This includes using obscene language or making threats of XXXX XXXX XXXX 
Communicated with me at an inconvenient time or place. This includes calling me before XXXXXXXX XXXX or after XXXX XXXX  or calling me at work when I am not allowed to receive personal calls. 
Failed to provide me with validation of the debt. This includes failing to send me a written notice of the debt that includes the amount of the debt, the name of the original creditor, and the date of the last payment. 
Communicated with me about the debt after I have notified you in writing that I do not wish to be contacted. 
I demand that you cease all communication with me about this debt immediately. I also demand that you delete any and all records of this debt from your files. 

If you do not comply with my demands within 14 days, I will take legal action against you

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 2025-01-27 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the accounts are 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 regarding inaccuracies. Furthermore, XXXX actions 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I'm filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of an of an investigation. This practice violates the Fair Credit Reporting Act 15 U S.C. 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C.5536 ( a ) 1A -b? B, as highlighted in the CFPB 'S recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This is a list of all disputed accounts : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX CAN'T LOG INTO XXXX AND MYEQUIFAX.COM Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX ( XXXX ) ( XXXX ) To Whom It May Concern : PLEASE GIVE ME BACK ACCESS TO MYEQUIFAX.COM. I HAVE CALLED EQUIFAX MULTIPLE TIMES AND ITS GOING ON ALMOST 2 MONTHS AND I HAVE NOT BEEN ABLE TO GAIN ACCESS TO MY CREDIT REPORT. I ALSO TRIED TO GET MY ( CREDIT REPORT ) AND XXXX SCORE FROM A WEBSITE CALLED ( ( MYFICO.COM ) ) AND THEY SAID THEY COULD NOT GIVE ME MY FICO SCORE OR MY CREDIT REPORT DUE TO ( ( " BECAUSE EQUIFAX WAS NOT ABLE TO PROVIDE US WITH A CREDIT REPORT BASED ON THE APPLICATION INFORMATION YOU PROVIDED. '' ) ) THIS IS THE MESSAGE THAT XXXX GAVE ME. IS THERE SOMETHING GOING WITH MY CREDIT REPORT? IS MY CREDIT REPORT BEING BLOCKED. ALSO I HAVE SCREENSHOTS ATTACHED FROM MYEQUIFAX.COM STATING THAT EQUIFAX IS UNABLE TO LET ME GAIN ACCESS TO MY ONLINE MYEQUIFAX CREDIT REPORT AND XXXX  XXXX. PLEASE HELP TO RESTORE MY ACCOUNT. AND PLEASE FIX MY CREDIT REPORT SO THAT I CAN REGAIN ACCESS TO MY CREDIT FICO SCORE AND CREDIT REPORT. IS MY CREDIT REPORT BEING MIXED UP WITH SOMEBODY ELSES CREDIT REPORT? PLEASE HELP IN THIS MATTER ASAP! OR I WILL SUE!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent multiple dispute letters to TransUnion regarding inaccurate information on my credit report. Despite providing evidence, XXXX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : TransUnion has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : TransUnion has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : TransUnion has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : TransUnion has reported obsolete information that should have been excluded from my credit report. 

Recently, I became aware of the lawsuit filed by the CFPB against TransUnion on XX/XX/year> titled " CFPB Sues XXXX for Sham investigations of Credit Report Errors. '' According to the CFPB, TransUnion has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
XXXX 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.

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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: IN

Complaint narrative:
I have no knowledge of this debt and would like it removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

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

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX BANK XXXX # XXXX - DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or verifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.

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