vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
Equifax is not communicating I have left numerous messages and contacted them multiple times My credit report my credit score is not showing up online and I am not getting my credit score FICO score from Equifax they are not updating my account information whatsoever I am tired of contacting them I am tired of being on hold I am tired of talking to somebody who's in XXXX. I have got a case numberRe : Important : case number escalation XXXX. Numerous times I'm trying to get my credit report and credit score from Equifax but something is wrong at their end and I'm not able to get access I'm tired of contacting them. The error message keeps saying Equifax has not been able to update your has no credit history for you Equifax has no credit history for you how's this XXXX possible. They are messing up my credit history they're supposed to keep track of all my credit history why is it saying Equifax has not updated my credit history since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OK

Complaint narrative:
They need to remove all hard inquires i am a victim of 3 data breechs they are not listing remove the hard inquires they are not mine they have also reporteed negafive commmenta to people running my credit i am a victim of identity there negative remarks i am told are not right as a am a victim of identity theft but they contantly give negative reports preventing me from gettting a home car or anything

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 2025-02-02 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 am filing a complaint against Experian due to lack of investigations being done. I am writing regarding some charge-offs being reported on my credit report for the following accountXXXX 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  I recently received a Form 1099-C indicating that the debt has been canceled. Given this cancellation, I kindly requested that they update my credit report to reflect this change and remove the charge-off status associated with these account. The cancellation of the debt should be reflected in my credit history, and I believe this will help improve my overall credit score. However, I havent received any updates regarding the removal of the charge offs.

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 2025-02-01 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: CA

Complaint narrative:
XXXX XXXX XXXX birthday XXXX XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened at XXXX XXXXXXXX XXXX account at XXXX XXXX XXXX, credit card at XXXX XXXXXXXX and an account at XXXX XXXX Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, current, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. These acounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-02-01 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$0.00} - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$0.00} - 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I fully paid my car loan last XX/XX/year>. However, until now, Bridgecrest is still reporting on my credit that I have late payments.I tried to correct it with them but they wont correct their credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of America 's handling of my dispute requests. XXXX XXXX XXXX team has advised me to call customer support to initiate my disputes. However, I have already attempted this multiple times without success. The support agents have repeatedly misled me by claiming to initiate disputes when they have not, and they continuously transfer me between agents until I run out of time. 

Additionally, I prefer that XXXX XXXXXXXX XXXX team handle my disputes, as they have provided consistent outcomes in the past. When I initiate disputes through customer support, I often receive inconsistent results, with some disputes being accepted and others declined without any clear explanation. This lack of transparency and consistency is highly concerning. I have attached documents listing the charges I wish to dispute for reference. 

Furthermore, XXXX XXXXXXXX XXXX team only provides a phone number to contact the support agent assigned to my case. These phone numbers have never worked for me, and I have repeatedly requested an email contact instead. I ask that this request not be ignored once again, as effective communication is essential for resolving my case.

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 2025-02-01 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:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I initially tried to sign-up for cellular service with XXXX as part of a promotion. The company improperly processed my order and initiated service without my authorization. I spoke to in-store representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL on XX/XX/XXXX and XX/XX/XXXX of XXXX in an effort to resolve the matter and ultimately was assured that the transaction would be reversed at no cost to me. That did not happen and I began receiving threatening messages about how XXXX would damage my credit if I did not pay. I ultimately spoke to a representative XXXX from XXXX XXXX on XX/XX/XXXX who assured me that all charges would be reversed. I have since received a threatening text on XX/XX/XXXX from a collection agency CBE Group. I am very concerned that this company is going to damage my credit when they never provided any service and I was repeatedly assured that there would be no charges. Please help me resolve this matter immediately including ensuring that the false claims against my credit history are fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

I request that Experian, as well as Transunion and Equidax 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandatory by law. Several letters have been sent and no reply back has been received.

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 2025-02-01 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

I request that Experian, as well as Transunion and Equidax 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandatory by law. Several letters have been sent and no reply back has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
THIS COLLECTION IS A RESULT OF IDENTIFY THEFT OF ALL MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
XXXX XXXX XXXX birthday XXXX XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened at XXXX XXXX, bank account at XXXX XXXX XXXX, credit card at XXXX XXXX and an account at XXXX XXXX Hard inquiries such as capital XXXXXXXX XXXX XXXX XXXXXXXX, credit XXXX, current, XXXX, first Entertainment, first premier, XXXX XXXX, XXXX, kickoff, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX reporting, transform credit, XXXX XXXX and XXXX XXXX. These acounts have resulted in several fraudulent inquiries and collections appearing on my consumer XXXX credit report XXXX 've included a list of the hard inquiries as well as copies of the consumer XXXX credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-02-01 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: Global Lending Services LLC
State: GA

Complaint narrative:
THE COMPANY HAS NEGLECTED TO ADDRESS MY PRIMARY CONCERN : THEIR FAILURE TO PROVIDE ME WITH AN OPPORTUNITY TO OPT OUT OF INFORMATION SHARING BEFORE REPORTING TO THIRD-PARTY AGENCIES. THIS IS A VIOLATION OF MY RIGHTS UNDER THE GRAMM-LEACH BLILEY ACT AND OTHER CONSUMER PRIVACY PROTECTIONS. I REQUEST A DIRECT RESPONSE TO THIS ISSUE AND AN APPROPRIATE RESOLUTION, INCLUDING THE REMOVAL OF MY INFORMATION FROM CREDIT REPORTING AGENCIES DUE TO NONCOMPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
After reviewing my Experian credit report, I discovered multiple fraudulent accounts and unauthorized inquiries that I never applied for. These errors have significantly lowered my credit score and caused financial hardship. 

The fraudulent accounts on my Experian report include : XXXX CARD - Opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Additionally, unauthorized hard inquiries were made by : XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO on XX/XX/XXXX XXXX CO on XX/XX/XXXX These fraudulent XXXX have made it difficult for me to get approved for housing, credit cards, and loans. My ability to make important financial decisions has been unfairly restricted due to errors I did not cause.

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