vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that Equifax take immediate action to investigate and remove this late payment from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report. 

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law. 
In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that Equifax take immediate action to investigate and remove this late payment from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/scrub> 2025 Dear CFPB, I am formally submitting an urgent dispute regarding XX/XX/XXXXXXXX inaccurate and unlawful reporting of a secured credit card account on Experian, TransUnion, and Equifax. Despite multiple disputes, XX/XX/XXXXXXXX and the credit bureaus continue to report inaccurate, misleading, and unlawful information, violating multiple consumer protection laws. 

1. Violations of Federal Law Failure to Correct Errors FCRA Violation ( 15 U.S.C. 1681i ) XX/XX/XXXXXXXX continues to report a " charged-off '' status despite this being a secured credit card, meaning they already held the deposit to cover the debt. 

The remaining balance ( {$150.00} ) is lower than the highest balance ( {$450.00} ) yet is still being reported as charged-off, violating credit reporting laws. 

Experian, TransUnion, and Equifax have failed to conduct a reasonable investigation, which is a direct violation of the FCRA.

Unfair and Deceptive Practices FTC Act Violation ( 15 U.S.C. 45 ) The account continues to be reported incorrectly despite multiple disputes, showing willful noncompliance with federal laws.

This incorrect reporting harms my creditworthiness and financial opportunities, which is a deceptive trade practice.

Credit Card Reporting Violations TILA ( Truth in Lending Act ) and CARD Act A secured credit card should not be reported as a charge-off when the credit limit ( {$300.00} ) was backed by a deposit.

The reported amount due ( {$150.00} ) exceeds what should be owed, violating credit card billing regulations under the Fair Credit Billing Act ( FCBA ).

2. Demanding Immediate Removal & Compliance Experian, TransUnion, and Equifax must delete this account immediately.

All three bureaus must comply within five ( 5 ) business days ( by XX/XX/year>2025 ) to avoid further enforcement action. 


SinceXX/XX/XXXX XXXX and the credit bureaus have failed to follow consumer protection laws, I am requesting immediate deletion of this account from Experian, TransUnion, and Equifax.

If this issue is not resolved within five business days, I will escalate this matter by filing complaints with the FTC, the Attorney Generals office, and considering legal action for damages caused by their violations. 

Please confirm the deletion of this account immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
XX/XX/scrub> 2025 Dear CFPB, I am formally submitting an urgent dispute regarding XX/XX/XXXXXXXX inaccurate and unlawful reporting of a secured credit card account on Experian, TransUnion, and Equifax. Despite multiple disputes, XX/XX/XXXXXXXX and the credit bureaus continue to report inaccurate, misleading, and unlawful information, violating multiple consumer protection laws. 

1. Violations of Federal Law Failure to Correct Errors FCRA Violation ( 15 U.S.C. 1681i ) XX/XX/XXXXXXXX continues to report a " charged-off '' status despite this being a secured credit card, meaning they already held the deposit to cover the debt. 

The remaining balance ( {$150.00} ) is lower than the highest balance ( {$450.00} ) yet is still being reported as charged-off, violating credit reporting laws. 

Experian, TransUnion, and Equifax have failed to conduct a reasonable investigation, which is a direct violation of the FCRA.

Unfair and Deceptive Practices FTC Act Violation ( 15 U.S.C. 45 ) The account continues to be reported incorrectly despite multiple disputes, showing willful noncompliance with federal laws.

This incorrect reporting harms my creditworthiness and financial opportunities, which is a deceptive trade practice.

Credit Card Reporting Violations TILA ( Truth in Lending Act ) and CARD Act A secured credit card should not be reported as a charge-off when the credit limit ( {$300.00} ) was backed by a deposit.

The reported amount due ( {$150.00} ) exceeds what should be owed, violating credit card billing regulations under the Fair Credit Billing Act ( FCBA ).

2. Demanding Immediate Removal & Compliance Experian, TransUnion, and Equifax must delete this account immediately.

All three bureaus must comply within five ( 5 ) business days ( by XX/XX/year>2025 ) to avoid further enforcement action. 


SinceXX/XX/XXXX XXXX and the credit bureaus have failed to follow consumer protection laws, I am requesting immediate deletion of this account from Experian, TransUnion, and Equifax.

If this issue is not resolved within five business days, I will escalate this matter by filing complaints with the FTC, the Attorney Generals office, and considering legal action for damages caused by their violations. 

Please confirm the deletion of this account immediately. 

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I transferred international transfer from XXXX XXXX to XXXX but in XXXX  tag I put wrong data ( its a reservation code for my apartment ) I requested the origin bank the send a correction message and they did already but till now XXXX XXXX  didnt forward the new update to the receiver bank and my payment still on hold due to this delay. Attached included both documents 1. Transfer amount proof. 2. Correction message proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of 15 U.S. Code 1681o ( Fair Credit Reporting Act ) ], I am writing to formally file a complaint against [ Company Name ] for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds entities civilly liable for negligent noncompliance. 

On [ date of incident ], I discovered that [ describe the issue, e.g., an incorrect item on your credit report, an unauthorized inquiry, a failure to investigate your dispute, or a mishandled credit report ]. I immediately contacted your company on [ date of first contact ], requesting an investigation and resolution. However, I have not received an adequate response or correction despite multiple attempts to resolve the issue. 

Summary of Complaint : Nature of the Issue : [ Describe the specific FCRA violation, such as failure to investigate a disputed item within 30 days, failure to provide requested information, unauthorized disclosure of credit information, etc. ] Impact on Me : [ Explain how this has harmed you, such as credit score damage, denial of credit, financial hardship, emotional distress, etc. ] Attempts to Resolve : [ List dates of calls, emails, dispute letters, or any responses you received from the company. ] Legal Basis : Under 15 U.S. Code 1681o, a company that negligently fails to comply with the FCRA is liable for : 1. Actual damages sustained as a result of the violation.

2. Attorneys fees and court costs, if legal action becomes necessary.

Requested Resolution : I demand that [ Company Name ] take the following corrective actions within **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
Disputed XXXX XXXX XXXX XXXX several times with Equifax. They never supply the verification information. Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Equifax uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Equifax routinely and uncritically accepts the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when Equifax has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Equifax sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Experian consistently responds within 24hrs 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, Equifaxs and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Experian complies with federal law and provides consumers with the necessary proof of 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 2025-02-13 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: FL

Complaint narrative:
I am filling a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Experian consistently responds within 24hrs 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, Equifaxs and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Experian complies with federal law and provides consumers with the necessary proof of 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 2025-02-13 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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:
I discovered multiple fraudulent accounts and inquiries on my TransUnion credit report that I did not open, authorize, or have any knowledge of. These fraudulent items include : Fraudulent Accounts : XXXX XXXX XXXX I Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Inquiries : XXXX  XXXX XXXX Inquiry Date : XX/XX/year> XXXX  XXXX Inquiry Date : XX/XX/year> Upon discovering these fraudulent items, I immediately filed a dispute with TransUnion and provided the following supporting documentation : A copy of my drivers license for identity verification A copy of a recent utility bill verifying my address A copy of my FTC Identity Theft Report ( XXXX ) Despite my formal dispute, TransUnion has failed to take corrective action by either not removing these fraudulent accounts or failing to properly investigate the matter within the legally required timeframe. 

TransUnions Violations TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) for : Failing to properly investigate my dispute within 30 days Neglecting to remove fraudulent accounts despite clear evidence of identity theft Allowing fraudulent inquiries to remain on my credit report, impacting my ability to secure credit

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 2025-02-13 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-13 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-13 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-13 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: AR

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and request that you take immediate action pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent and inaccurate information from my credit report within 4 business days of receiving this complaint.

The information in question is the result of identity theft and does not reflect any actions or accounts that I have opened, initiated, or authorized. The fraudulent accounts, collections, and hard inquiries that are listed below appear on my credit report and have impacted my FICO score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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