vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has failed to correct inaccuracies in my credit report, refused to conduct a proper reinvestigation, and engaged in delay tactics by repeatedly requesting identification documents despite multiple submissions. The errors pertain to my XXXX XXXX account, including incorrect charge-off dates, past-due balances on closed accounts, and conflicting payment histories. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( XXXX ), as confirmed in the CFPB XXXX Order ( File No. XXXX ). 

XXXX. Violations by Equifax and Legal References Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) : Equifax is reporting inaccurate charge-off dates, past-due balances, and credit limits.

Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 1 ) ) : Equifax has failed to properly reinvestigate my disputes and merely defers to furnishers. 

Failure to XXXX XXXX & Consider Consumer Evidence ( FCRA 611 ( a ) ( 2 ), ( a ) ( 4 ), 15 U.S.C. 1681i ( a ) ( 2 ), ( a ) ( 4 ) ) : Equifax failed to provide complete dispute details to furnishers and disregarded my supporting documents. 

Failure to Correct XXXX & Past Due Balances ( FCRA 611 ( a ) ( 5 ), 15 U.S.C. 1681i ( a ) ( 5 ) ) : Equifax has misreported past-due amounts and available credit on a charged-off account.

Unlawful Reinsertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Equifax reinserted previously deleted inaccurate information without notifying me.

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

Complaint narrative:
My information was exposed in the XXXX and XXXX XXXX and XXXX XXXX Equifax data breach. I do not realize these hard inquiries. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Synovus Bank
State: CA

Complaint narrative:
According to the irs an unpaid charge off is income and income can not be reported on a credit report. I am requesting a 1099c ( a collection of debt ) from the following accounts listed below. 
XXXX XXXX After checking my most current report the most updated information stated that the account was purchased by XXXX XXXX XXXX XXXX This account ( XXXX ) can not report on my credit report if the account was sold to another lender. 
Please send the 1099 C form.

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: IA

Complaint narrative:
Experian has incorrectly reported false information which I have disputed twice with only 1 change. A charged off account was reported as late/ written off for a full year while debt was already sold to a third party collector. I filed a dispute which updated the status to charged off but still falsely reported who owned the debt. The XXXX off XXXX was re-aged by 2 years and Incorrectly reported for XXXX total. XXXX charged off my XXXX and sold my debt XXXX. It is being reported as Charged off in XXXX and falsely reported by XXXX as their own debt. XXXX was sold and paid to another company XXXX and has not been reported as such. Experian has been closing out my disputes QUICKLY ( sometimes XXXX ) without proper investigation and does not provide their methods of investigating.

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 2025-02-03 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: 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 : Accounts : XXXX XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-02 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:
Im attaching a PDF form from the FTC concerning these 5 fraudulent accounts.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Navy Federal Credit Union charged of my account and closed a year after delinquencies. 

Sold my account to collection agency, when ask for verification and proof of ownership of account they said they would contact NFCU. 

After disputing incorrect information on XXXX and XXXX due to incorrect amounts and dates they updated the information three times instead of deleting. 

Requested ownership from collection company still has not been received. Account needs to be removed. 

They also have been allowing overdrafts and delaying payments to collect more overdraft fees.

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 2025-02-02 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: SC

Complaint narrative:
Failed to investigate my dispute claims and illegally shared my information. My identity is stolen and being used to open accounts I never authorized.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im attaching a PDF form from the FTC concerning these 5 fraudulent accounts.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im attaching a PDF form from the FTC concerning these 5 fraudulent accounts.

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 — Investigation took more than 30 days
Company: PLANET HOME LENDING, LLC
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX charged of my account and closed a year after delinquencies. 

Sold my account to collection agency, when ask for verification and proof of ownership of account they said they would contact XXXX. 

After disputing incorrect information on XXXX and XXXX due to incorrect amounts and dates they updated the information XXXX times instead of deleting. 

Requested ownership from collection company still has not been received. Account needs to be removed. 

They also have been allowing overdrafts and delaying payments to collect more overdraft fees.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
filing this complaint against XXXX XXXX XXXX  XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX XXXX  has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file.

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

Complaint narrative:
This serves as a formal demand for the immediate removal of the fraudulent account listed under XXXX XXXX from my credit report. This account was fraudulently opened and is not authorized by me. Under federal law, you are required to remove any inaccurate or unverifiable information from my credit report.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my rights as a consumer to demand the deletion of this fraudulent account. Under 15 U.S.C. 1681s-2, data furnishers are prohibited from reporting inaccurate information, and credit bureaus are obligated to correct or remove false data. Failure to comply with these legal obligations is a direct violation of federal law and may result in legal action against all responsible parties.

Additionally, under 15 U.S.C. 1681n and 1681o, I reserve my right to pursue legal remedies, including statutory damages, punitive damages, and attorney fees, should you fail to comply with this demand. I expect written confirmation of the removal of this account from my credit report within the legally required timeframe.

I have enclosed a copy of my identification, social security card and a copy of my credit report highlighting the fraudulent account for reference.

I expect written confirmation of this deletion. Failure to act will result in further legal consequences.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
PHEAA collected my XXXX loan payments, and suddenly defaulted me. I asked why, and they told me I hadnt made a payment in three months. I asked them if theyd stopped billing me, and they shouted at me that it wasnt their responsibility to bill me, it was my responsibility to pay them whether they billed me or not. As a result, my loans are now held by DOJ, and I have a judgement against me by the federal government in the amount of {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-02-03 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
filing this complaint against XXXX XXXX XXXX  XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX XXXX  has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
filing this complaint against XXXX XXXX XXXX  XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX XXXX  has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file.

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 2025-02-02 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: MA

Complaint narrative:
I have i quirked from equifax, TransUnion and Experian that do not match any open accounts. 
I tried multiple times to have the companies remove the inquires from my report but they have not done so. Even after telling me they would. 

TRANSUion ( only XXXX ) Equifax I should not have inquires from 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 2025-02-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Amsher Collection Services, 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 XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed so many items on my credit report and they always said it was no change or everything was correct. I disputed XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, the late payment from XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and so many more. It would come back in a day or two that everything was correct when I know it isnt.

Company response to consumer: Closed with non-monetary relief
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:
Experian has failed to investigate my disputes filed and remove all negative reports from my credit report after being notified about inaccurate information on my report

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: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Before publishing your description we will conduct a series of automated and manual reviews to remove personal information. The following example highlights the kind of information that we plan to remove :

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: EQUIFAX, INC.
State: LA

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 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 explanation