vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: FL

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 unverifiable 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 accounts, 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
Consumer complaint received 2025-03-06 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
My main complaint is that I called twice to confirm my account was okay and that I could use the funds BEFORE I took the auto in for emergency repairs. I was told both times the account was fine. If I had been given accurate information I would not have dropped the auto off. 

Over the past few days Staff has misled me, lied to me, or stated they will not do anything about contacting anyone about why I can not use my debit card. Online account page shows funds are available. Use of account and debit card online works. Use of debit card at the auto repair shop says ago was rejected even though Citi bank reps said there was no restriction. After the debit card failed when I went to pick up my car, THEN Citi reps discovered there was a hold on my account.. 

I have made many calls involving several hours and being occasionally being cut-off.Most of the reps were polite even though they were not allowed by policy to assist. " Back room '' has been sent messages, but they have not called or emailed. 

This is a major inconvenience and annoyance. I have been with Citi for a few weeks and am extremely disappointed. I am now getting charged a storage fee at the auto shop. I am without transportation. As a retired senior this is a major annoyance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bilateral Credit Corp, LLC
State: NY

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed several disputes concerning these accounts that are being reported inaccurately on my credit report. Additionally, I have submitted multiple requests for updates on the account that needs correction. Despite this, these companies have refused to address the disputes, even though they are legally obligated to do so. 

XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I submitted a dispute to Experian and Equifax regarding a hard inquiry from XXXX in XX/XX/year>, requesting its removal. Despite my request, the dispute has not been properly investigated or resolved. 

I reached out to Experian and Equifax to dispute the inquiry, requesting its removal since no credit was extended to me. However, my dispute was either ignored, inadequately investigated, or denied without proper justification. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and fair investigation, yet I believe my dispute was mishandled. 

Recently, the CFPB filed a lawsuit against Experian for failing to conduct proper consumer dispute investigations, highlighting sham investigations that fail to resolve inaccuracies. I am concerned that my dispute has been treated in a similar negligent manner, leaving inaccurate and harmful information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: OR

Complaint narrative:
I received an email by Aldous and Associates, phone number ( XXXX ) XXXX regarding a {$120.00} or so amount debt collection from an XXXX XXXX XXXX ( I believe associated with XXXX XXXX  as well ) membership that was canceled XX/XX/year>. I have confirmation emails for both accounts ( Im the main account and I had an add on for XXXX. Canceled and have confirmation for both accounts ). There is no outstanding balance as I was up to date and the gym was charging me after the first cancellation I had done 8 or so months PRIOR ( I was still being charged until I noticed the amount, very sneaky they were ). Went in personally, go email confirmation and verbal confirmation all accounts were closed AND canceled and no longer would be charged. Fast forward today XX/XX/year> and I call Aldous and Associated and theyre sending I have to send them documentation or pay the amount then hung up after trying to get more information regarding situation. Called XXXX XXXX regarding the debt collection and they said they dont have any over due/debt collection info on their end and it might have sent accidentally. So Im trying to dispute it and ask XXXX to rescind collection that shouldnt have been sent in the first place? Not sure what to do because the debt collection doesnt even exist so this may be a scam ring?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX/ ACCOUNT NUMBER XXXX 2. XXXX XXXX/ ACCOUNT NUMBER XXXX 3. XXXX XXXX ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: U.S. BANCORP
State: NJ

Complaint narrative:
i did not authorize any credit inquiry from YET THERE ARE HARD INQUIRIES FROM BOTH COMPANIES US BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry Type Individual

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: OH

Complaint narrative:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by credit bureaus and furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other consumer protection laws. These violations include the continued reporting of inaccurate and unverifiable information, failure to conduct reasonable reinvestigations, and improper handling of identity theft claims. 

The specific accounts in question are : XXXX XXXX ( Account Ending in XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Unauthorized Hard Inquiries : XXXX XXXX XXXX ( XX/XX/year>, XX/XX/year> ), XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) I have previously notified both the credit reporting agencies and the furnishers regarding these inaccuracies, yet no corrective action has been taken. Under 15 U.S.C. 1681i, credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information and delete unverifiable data within 30 days. Furthermore, under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose, and I demand written proof that I authorized the reported inquiries. 

Additionally, as a victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of fraudulent activity on my file. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information from a victims report within four business days of receiving proper notice. Despite my formal disputes, these bureaus have failed to comply, exacerbating the financial harm I have suffered. 

This ongoing misconduct is consistent with the CFPBs current lawsuit against the credit bureaus, which highlights widespread FCRA violations and deceptive practices in consumer reporting. Their noncompliance continues to result in financial hardship, including credit denials and employment barriers, and demonstrates a willful disregard for federal consumer protection 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 2025-03-06 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:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by credit bureaus and furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other consumer protection laws. These violations include the continued reporting of inaccurate and unverifiable information, failure to conduct reasonable reinvestigations, and improper handling of identity theft claims. 

The specific accounts in question are : XXXX XXXX ( Account Ending in XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Unauthorized Hard Inquiries : XXXX XXXX XXXX ( XX/XX/year>, XX/XX/year> ), XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) I have previously notified both the credit reporting agencies and the furnishers regarding these inaccuracies, yet no corrective action has been taken. Under 15 U.S.C. 1681i, credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information and delete unverifiable data within 30 days. Furthermore, under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose, and I demand written proof that I authorized the reported inquiries. 

Additionally, as a victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of fraudulent activity on my file. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information from a victims report within four business days of receiving proper notice. Despite my formal disputes, these bureaus have failed to comply, exacerbating the financial harm I have suffered. 

This ongoing misconduct is consistent with the CFPBs current lawsuit against the credit bureaus, which highlights widespread FCRA violations and deceptive practices in consumer reporting. Their noncompliance continues to result in financial hardship, including credit denials and employment barriers, and demonstrates a willful disregard for federal consumer protection 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 explanation
Consumer complaint received 2025-03-06 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: Veros Credit, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation