vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: MN

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 2025-02-12 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: TX

Complaint narrative:
These inquiries were unauthorized and I am a victim of identity theft. 

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

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 2025-02-12 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: TX

Complaint narrative:
I am filing this 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 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. section 1681 ( i ) which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA 12 USC section 553-681 a B as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) 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.

These are the accounts that I have marked as inaccurate 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

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 2025-02-12 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 this 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 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. section 1681 ( i ) which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA 12 USC section 553-681 a B as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) 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.

These are the accounts that I have marked as inaccurate 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

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
All the debt on my credit report reported the last 3-4 years it's due to identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint to Remove Fraudulent Phone Numbers and Addresses from Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding fraudulent phone numbers and addresses that have been associated with my credit report. I have been a resident at XXXX XXXX XXXX XXXX XXXX GA XXXX for the past 25 years, and I have had the same phone number, XXXX, for the last 25 years as well. 

However, upon reviewing my credit report, I have noticed that other phone numbers and addresses have been mistakenly or fraudulently linked to my identity. I believe my personal information was compromised during a data breach, and this fraudulent information is now impacting my credit report and credit score. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), I request that you take immediate action to remove these fraudulent phone numbers and addresses from all three major credit bureaus. As stated in the law, any inaccurate, incomplete, or fraudulent information must be removed from my credit report in a timely manner.

Therefore, I am requesting that all fraudulent phone numbers and addresses be removed from my credit report within four ( 4 ) days from the receipt of this letter.

Here are the details for your reference : My legitimate address : XXXX XXXX XXXX XXXX XXXX GA XXXX My legitimate phone number : XXXX I also request that a full investigation is conducted to ensure that my credit report reflects only accurate and legitimate information moving forward. 

Please confirm in writing that these fraudulent items have been removed from my credit report. I look forward to your prompt action in resolving this issue. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

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 the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act FCRA 15 USC section 1681i which mandates the reasonable investigation of disputes furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA 12 U.S.C. section 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent Administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of the 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 non-monetary relief
Consumer complaint received 2025-02-12 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 Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act FCRA 15 USC section 1681i which mandates the reasonable investigation of disputes furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA 12 U.S.C. section 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent Administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of the 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 2025-02-12 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ive had Syncrony bank for numerous years and this card fit over 4, Ive not missed a payment and its even on auto pay. Despite this and a XXXX credit score I was unfairly targeted and had my limit decreased. 

Synctlrony bank has multiple complaints only a few are attached. I feel this is targeted harassment towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Some of the inquiries were intended as soft inquiries and the other inquiries were not authorized. I would like to have these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the account referenced below under the identity theft laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This is my second attempt to have these fraudulent items removed from my credit report. Despite my previous dispute, the account remains on my report, and I am requesting immediate action. 

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX These account does not belong to me and is the result of identity theft. I have never authorized this account, nor have I engaged in any transactions associated with it. As required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am demanding the immediate removal of all above fraudulent account from my credit report.

Additionally, under the Identity Theft and Assumption Deterrence Act, I request that you : Cease all collection activities on this fraudulent account.

Remove the account from all credit reporting agencies.

Provide me with all relevant documentation regarding the accounts origination.

Notify the credit bureaus that this account is fraudulent.

Provide written confirmation that this matter has been resolved.

Enclosed, I have provided supporting documents Failure to comply with this request may result in legal action under federal consumer protection laws. I expect a written response within 30 days from the date of this letter, per my rights under the FCRA. 

Please confirm receipt of this dispute and update my credit report accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the account referenced below under the identity theft laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This is my second attempt to have these fraudulent items removed from my credit report. Despite my previous dispute, the account remains on my report, and I am requesting immediate action. 

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX These account does not belong to me and is the result of identity theft. I have never authorized this account, nor have I engaged in any transactions associated with it. As required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am demanding the immediate removal of all above fraudulent account from my credit report.

Additionally, under the Identity Theft and Assumption Deterrence Act, I request that you : Cease all collection activities on this fraudulent account.

Remove the account from all credit reporting agencies.

Provide me with all relevant documentation regarding the accounts origination.

Notify the credit bureaus that this account is fraudulent.

Provide written confirmation that this matter has been resolved.

Enclosed, I have provided supporting documents Failure to comply with this request may result in legal action under federal consumer protection laws. I expect a written response within 30 days from the date of this letter, per my rights under the FCRA. 

Please confirm receipt of this dispute and update my credit report accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Pursuant to FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any data in a consumer 's file flagged by the consumer as stemming from suspected erroneous activity, within four business days of receiving such notification. ; 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Pursuant to FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any data in a consumer 's file flagged by the consumer as stemming from suspected erroneous activity, within four business days of receiving such notification. ; 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 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

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 2025-02-12 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: OK

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$25.00} XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXXXX/XX/XXXX {$2200.00} XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$25.00} XXXX XXXX XX/XX/XXXX {$160.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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