vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-14 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I sent an email on XX/XX/year> requesting validation of this alleged debt. I received a response on XX/XX/year> stating that they will forward me the validation but they did not do so in a timely manner. They have never contacted me in writing giving me an opportunity to dispute this alleged debt and they continue to report this account to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: UT

Complaint narrative:
fter XXXX to XXXX  years of doing my XXXX  i got contacted by XXXX XXXX by email in XXXX. XXXX. I was informed that thy sued me and that they served me papers at a place where i havent moved back into, and i was told it was me who gotten those papers. I never recived anything first off. Anyways that company sued me over and item that was claimed on my XXXX  XXXX XXXX. I kept emailing with them for a month. On XX/XX/year> they really wanted me to pay money so i thought someone is scamming me... .the last email from her was we will take your first payment of {$XXXX} today or we will garnish your checks. I checked my credit and still seen it was in still saying XXXX in XXXX XXXX XXXX. I informed them that if that took my money i was going to sue them for every XXXX... .i dont know how they had judgement passed for garnishment on a item on my XXXX  but it happened. Also the credit report of XX/XX/year> it now showed me it changed from XXXX throught XXXX  XXXX XXXX  to Charge off and me owing. XX/XX/XXXX, i told them it was in XXXX  XXXX XXXX  ... the day it said was updated was XX/XX/year>. This is what i started to see on the experian credit reports on their website. Experian is falsifying a credit report and changing it to how perstige financial wanted it to get money that they wont get unless experian changes my report. once the other bureaus seen experian do it so they followed shortly afterwards. I disputed this for XXXX  month shright with the evidence and they said my evidence held no ground because XXXX XXXX had evidence said they are right. The disputes say not available online then the next dispute which was the samething i could see online. they grayed out the on button that says inculded in XXXX  after a while.

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 2025-02-14 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: OH

Complaint narrative:
Subject : Non-Compliance Complaint Against Equifax Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Equifaxs failure to comply with its obligations following its data breach. Despite providing the necessary documentationincluding my identification, confirmation as a victim of the Equifax data breach, and details of the adverse information resulting from the breachEquifax has not taken the required corrective action. 

Instead of blocking or removing the fraudulent accounts associated with the breach, Equifax merely updated the accounts in question. This response does not align with the protections afforded to identity theft victims, nor does it meet the standard of corrective action Equifax should take given its responsibility for the breach.

Equifaxs inaction continues to negatively impact my credit profile, and I am requesting the CFPB to intervene to ensure compliance with applicable regulations. Equifax must properly address the issue by blocking or removing the accounts that were a direct result of the data breach. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/scrub>XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: SC

Complaint narrative:
I am filing a complaint against Equifax, Trans Union, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Trans Union, and Experian consistently responds with 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 CRPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Trans Union, and Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked as inaccurate : XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card 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 2025-02-14 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: SC

Complaint narrative:
I am filing a complaint against Equifax, Trans Union, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Trans Union, and Experian consistently responds with 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 CRPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Trans Union, and Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked as inaccurate : XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card 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 2025-02-14 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously disputed and successfully had the following fraudulent accounts deleted from my credit report : XXXX XXXX  ( XXXX ) and XXXX XXXX  ( XXXX and XXXX ). These accounts were removed from my XX/XX/year> credit report after multiple disputes. However, despite their deletion, they have now reappeared on my XX/XX/year> report. This repeated reinsertion of previously deleted information is a clear violation of the Fair Credit Reporting Act and demonstrates a failure to maintain accurate consumer reporting. Under 15 USC 1681i ( a ) ( 5 ) ( B ), a previously deleted account can not be reinserted unless the furnisher certifies its accuracy, and I receive written notice of the reinsertion within five business days. I did not receive any such notification, which constitutes a direct violation of this requirement. Additionally, the failure to prevent the unauthorized reinsertion of these accounts violates 15 USC 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure the accuracy of consumer reports. What makes this situation even more frustrating is that only Equifax has reinserted these accounts. As shown in the attached documents, XXXX and XXXX have not reported them, which further indicates that Equifax is failing to ensure proper verification and compliance with the FCRA. This inconsistency in reporting is not only misleading but also damaging to my credit profile. These violations expose the responsible parties to liability under 15 USC 1681n, which allows for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. The continuous reinsertion of these fraudulent accounts is causing unnecessary harm to my financial reputation. I demand the permanent removal of these accounts from my credit report. If this issue is not resolved immediately, I will pursue further legal action and file additional complaints with the appropriate regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WI

Complaint narrative:
I call XX/XX/year> at XXXXXXXX XXXX. I asked for School Misconduct Discharge Application for my loans that I paid while they were serviced by them and at first they tried to send me to the federal government until I told them it is for private loans and they said my loan was transferred and I have to call the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company 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 2025-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
My mortgage has become very confusing. I paid tge total of XXXX. For the forbearance however the payment continues to not be processed and ignored. The company is continuing to try to destroy me financially. I have NEVER MISSED a payment in over 5 years. 

I suspect that the mortgage companies are preying on me and trying to ruin my credit and take my home. 

It will NEVER HAPPEN. XXXX will defend me. Before I lose anything the culprits will lose everything. 

I am a retired military veteran, a former XXXX  XXXX and a XXXX. 

This is a miscarriage of justice. 

I will use EVERYTHING in my power to fight against this incredible horrible disaster of injustice.. 

What is their problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NV

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 2025-02-14 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: NY

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX  - XXXX - {$2000.00} XXXX XXXX XXXX  - XXXX - {$4200.00} XXXX XXXX XXXX - XXXX - {$16000.00} XXXX XXXX  - XXXX - {$2600.00} XXXX XXXX XXXX - XXXX - {$11000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX  XXXX XXXX - {$5300.00XXXX XXXX XXXX XXXX XXXX XXXX - {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$700.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-02-14 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief