vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
This account is not mine. Ive disputed with original company and with credit bureaus. Ive sent over all documents stating my case and information to prove its not my account. This item keeps reappearing on credit file without proper verification. This account needs removal. 
This XXXX XXXX XXXX XXXX and discover bank accounts needs removal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
This account is not mine. Ive disputed with original company and with credit bureaus. Ive sent over all documents stating my case and information to prove its not my account. This item keeps reappearing on credit file without proper verification. This account needs removal. 
This XXXX XXXX XXXX XXXX and XXXX  XXXX  accounts needs removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
After reviewing my credit report on XXXX I Identified a discrepancy with account listed under XXXX XXXX ( XXXX ) and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XXXX the account continue to reflect on my credit report I have not received any correspondence from creditor to validate this as correctly belonging to me. Nor has my credit report been updated to reflect that the account is disputed and there for a second validation letter was sent out on this day. after reviewing my credit again there have been no updates, and the account is still reflecting. I do not believe the account belongs to me. nor do I believe that the creditor has authorization to access the account. nor authorization to attempt to collect on the account from all three credit bureaus. I was trying to buy a house I realized I have damages on my report according to the 15 U.S.C 1681 Law, there should not be any damages on my report. Its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
After reviewing my credit report on XXXX I Identified a discrepancy with account listed under XXXX XXXX ( XXXX ) and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XXXXand the account continue to reflect on my credit report I have not received any correspondence from creditor to validate this as correctly belonging to me. Nor has my credit report been updated to reflect that the account is disputed and there for a second validation letter was sent out on this day. after reviewing my credit again there have been no updates, and the account is still reflecting. I do not believe the account belongs to me. nor do I believe that the creditor has authorization to access the account. nor authorization to attempt to collect on the account from all three credit bureaus. I was trying to buy a house I realized I have damages on my report according to the 15 U.S.C 1681 Law, there should not be any damages on my report. Its a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries that appeared on my credit report from TransUnion, XXXX, and XXXX. These inquiries were made without my knowledge or consent, and I have made multiple attempts to dispute these fraudulent inquiries directly with the credit bureaus, but the issue remains unresolved. 
I am a victim of identity theft, and I filed an FTC Identity Theft Report to support my claims. Despite this, my disputes have been ignored or inadequately handled, and these unauthorized inquiries remain on my credit report. Below are the details of the fraudulent inquiries that I am disputing : Unauthorized Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> ( Note : XXXX has already confirmed they will remove the inquiry, but it remains on my report. ) I have sent letters to each of the credit bureaus, requesting the immediate removal of these inquiries, and I have escalated this matter to the FTC and CFPB. However, despite my repeated requests and the confirmation from XXXX that they would remove the inquiry, TransUnion, XXXX, and XXXX have failed to resolve the issue or respond appropriately. 
Complaint Details : I have been a victim of identity theft and have provided supporting documentation, including an FTC Identity Theft Report. 
I requested the removal of these fraudulent inquiries via written disputes to the credit bureaus, but they have not been addressed or removed from my report.

I am being harmed by these fraudulent inquiries as they negatively affect my credit score and my ability to secure credit.

CreditOneBK has confirmed in writing that they would remove their inquiry, but it has not been removed from my report.

I am demanding the immediate removal of these inquiries and appropriate action to address the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ). 

Additional Information : Supporting Documentation : Attach copies of your FTC Identity Theft Report, the dispute letters you sent to the credit bureaus, and XXXX 's letter confirming the removal of their inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: NJ

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
XXXX  XXXX is reporting obsolete and inaccurate information on my credit report across all 3 bureaus such as High balance- it the same on all 3 bureaus Last verified not the same on all 3 bureaus Date reported not the same on all 3 bureaus Date of last activity- not the same on all. 3 bureaus Date opened- not the same on all 3 bureaus Date closed not the same on all 3 bureaus Last payment date not the same on all 3 bureaus Credit limit- not the same in all 3 bureaus Late payments- reflecting on all 3 bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I 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. 1681i, 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
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
The XXXX and Equifax have failed to uphold the FCRA requires that charge-offs and related collection entries drop off credit reports seven years from the date of the first missed payment that led to the charge-off of my original lender. However, these entries continue to appear on my credit report, negatively impacting my financial standing. 

I have previously contacted XXXX and Equifax credit reporting agencies to investigate my original creditor, XXXX XXXX XXXX  for the XXXX in an effort to " drop off '' the old account. Unfortunately, they have concluded to keeping the collections on my report, citing the collections activity information is accurate, which is not the point. I believe this continued reporting is a violation of my rights under the FCRA. 

Moreover, XXXX did respond appropriately to the same dispute, and immediately removed and updated my credit report, on the same day of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
Charge off accounts continue to show a balance and the account have been charged off. Also I have not authorized any of these accounts to report on my credit report. Please provide anything that sow that I have given authorization to these companies to report on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AZ

Complaint narrative:
Ive recently been Disputing inaccurate information that is being reported on my credit report by all 3 credit bureaus XXXX, XXXX, and TransUnion and I truly believe that my disputes were not investigated properly, even with providing proof with pictures of inaccurate reporting and also requesting for theses companies to provide me with proof that the alleged debt belongs to me. After these accounts have been verified over and over by all 3 credit bureaus, I still have not received any proof of these alleged debits belonging to me the only thing Ive received is a letter saying that these accounts have been verified and are reporting accurately. Ive asked for several reinvestigations and information on how these accounts are being verified and investigated and still nothing but these accounts have been verified and are being reported accurately. These credit bureaus are allowing companies to verify accounts without providing proof or documentation and my consumer rights have been violated over and over again. I have attached all my documentation, proof and pictures to this complaint and I am also aware of the CFPB lawsuit against both XXXX and XXXX for Improper Investigations of Credit Reporting Errors, which I truly believe I have been a victim of. If a proper investigation was preformed, I believe the inaccurate information would have been removed from my credit report. These accounts should be removed from my credit due to inaccurate reporting, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX. Ive also noticed every time I disputed these accounts, they get updated with different information so that they can be verified as accurate. I have attached supporting documents to my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: AZ

Complaint narrative:
Ive recently been Disputing inaccurate information that is being reported on my credit report by all 3 credit bureaus XXXX, Equifax, and XXXX and I truly believe that my disputes were not investigated properly, even with providing proof with pictures of inaccurate reporting and also requesting for theses companies to provide me with proof that the alleged debt belongs to me. After these accounts have been verified over and over by all 3 credit bureaus, I still have not received any proof of these alleged debits belonging to me the only thing Ive received is a letter saying that these accounts have been verified and are reporting accurately. Ive asked for several reinvestigations and information on how these accounts are being verified and investigated and still nothing but these accounts have been verified and are being reported accurately. These credit bureaus are allowing companies to verify accounts without providing proof or documentation and my consumer rights have been violated over and over again. I have attached all my documentation, proof and pictures to this complaint and I am also aware of the CFPB lawsuit against both XXXX and Equifax for Improper Investigations of Credit Reporting Errors, which I truly believe I have been a victim of. If a proper investigation was preformed, I believe the inaccurate information would have been removed from my credit report. These accounts should be removed from my credit due to inaccurate reporting, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. Ive also noticed every time I disputed these accounts, they get updated with different information so that they can be verified as accurate. I have attached supporting documents to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AR

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit.despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/year>, adverse action was taken against my account with XXXX XXXX XXXX, administered by Citibank. This account has multiple unresolved issues that remain unaddressed due to a lack of responsiveness from both parties. The account reflects an interest rate of 30.24 %, which is usurious under applicable state and federal regulations. Despite repeated attempts to obtain clarification on this rate, neither XXXX XXXX nor Citibank has provided a response or explanation. Additionally, the account has been closed, but Citibank continues to report it as open. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and negatively impacts my creditworthiness. Even though the account is closed, {$41.00} late payment fees have been assessed for non-existent obligations. These fees are improper and unjustified. XXXX XXXX and Citibank have provided no rationale for these charges, further compounding the harm caused. XXXX XXXX and Citibank have failed to provide any means to resolve these issues. Calls to both entities are redirected without resolution, and no intermediary or customer service line is available to address the adverse actions taken, the inaccuracies in reporting, or the improper fees. This complete lack of responsiveness violates consumer protection standards and demonstrates a failure to meet basic obligations to customers. These issues, including the usurious interest rate, inaccurate credit reporting, improper fees, and lack of responsiveness, require immediate attention. I request the Consumer Financial Protection Bureau to enforce compliance with consumer protection laws, correct the credit reporting errors, refund the improper fees, and investigate the legality of the interest rate charged. Furthermore, I ask the CFPB to hold XXXX XXXX and Citibank accountable for their failure to address these matters.

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