vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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:
My name is XXXX XXXX I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for mishandling my credit report disputes.. Despite multiple written disputes sent on in XXXX Experian has : 1. Failed to conduct a proper investigation as required under 15 USC 1681e ( b ) 2. Reinserted or allowed inaccurate information to remain on my credit report without proper notification or reinvestigation, violating 15 USC 1681 ( 5 ).

3. Continued to report obsolete or inaccurate information in violation of 15 USC 1681c ( c ). 

These actions have directly harmed my ability to access credit, employment, and housing opportunities. 
Their negligence caused me significant financial harm, including denied credit opportunities, increased interest rates, emotional distress, and damage to my reputation. 

Additionally, I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for similar violations, alleging sham investigations and failure to address consumer disputes effectively. This pattern of misconduct aligns with my experience and demonstrates systemic noncompliance with federal laws. 

Supporting Documents : I have attached copies of : My dispute letters sent to Experian. 
Proof of delivery for these letters. 
Copies of Experians responses ( or lack thereof ). 
Credit reports showing the disputed information. 

Thank you for your attention to this matter. 


Sincerely, 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 2025-03-19 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-19 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: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate credit inquiries appearing on my credit report. These inquiries were made without my explicit authorization, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I request immediate investigation and corrective action against the entities responsible. 

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : This provision establishes my right to privacy, affirming that consumer reporting agencies must respect the confidentiality of my personal credit information.

15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) : This section states that a consumer reporting agency can not furnish a credit report to any third party without my explicit written authorization. The unauthorized reporting of my credit data constitutes a direct violation of this law.

15 U.S.C. 1681c ( a ) ( 5 ) : This section mandates that no consumer reporting agency may include adverse information in a consumer report older than seven years, except for criminal convictions. Reporting outdated negative information is a clear violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This law explicitly prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The presence of erroneous or unauthorized accounts on my credit report suggests non-compliance with this legal requirement. 

Details of the Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request for Action : Given the above, I request the following : An immediate investigation into these unauthorized inquiries and enforcement action against the entities responsible. 

A directive for the credit bureaus to remove these inquiries from my credit report. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 
Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate credit inquiries appearing on my credit report. These inquiries were made without my explicit authorization, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I request immediate investigation and corrective action against the entities responsible. 

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : This provision establishes my right to privacy, affirming that consumer reporting agencies must respect the confidentiality of my personal credit information.

15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) : This section states that a consumer reporting agency can not furnish a credit report to any third party without my explicit written authorization. The unauthorized reporting of my credit data constitutes a direct violation of this law.

15 U.S.C. 1681c ( a ) ( 5 ) : This section mandates that no consumer reporting agency may include adverse information in a consumer report older than seven years, except for criminal convictions. Reporting outdated negative information is a clear violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This law explicitly prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The presence of erroneous or unauthorized accounts on my credit report suggests non-compliance with this legal requirement. 

Details of the Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request for Action : Given the above, I request the following : An immediate investigation into these unauthorized inquiries and enforcement action against the entities responsible. 

A directive for the credit bureaus to remove these inquiries from my credit report. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 
Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MN

Complaint narrative:
Company attempting to take debt and have not heard of company or received any information regarding this account this should be removed they do not have my permission or no contract was made between me and this company.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations Please make all listed below update or deleted in my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: VA

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 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). I disputed a collection account from XXXX XXXX on my credit reports, which came back as validated despite the agencies providing no proof of verification. Neither Equifax nor TransUnion provided me with any documentation showing how they verified the debt or confirmed its accuracy, which is required under 15 U.S. Code 1681i ( a ) ( 6 ).

Both Equifax and TransUnion failed to provide the documentation used to verify the XXXX XXXX account, which suggests they may not have properly investigated the dispute. Their refusal to produce verification documents indicates non-compliance with the FCRAs requirements for a reasonable investigation. Following my dispute, I filed a prior complaint with the CFPB, which was closed without resolution. After this, both Equifax and TransUnion locked me out of my online credit report access for over XXXX days, claiming I had to submit a copy of my drivers license and a bill to regain access. However, without submitting the requested documents, I was able to log in again today, indicating that the lockout may have been unjustified and potentially a retaliatory or obstructive tactic.

My drivers license and gas bill showing my mailing address is included in this complaint. Therefore, there should be no reason for Equifax or Transunion to request this information again or for any internal investigation as stated previously by both companies. Also, there was no such internal investigation completed. 

This account has already easy been removed from my XXXX report one year ago however Transunion and Equifax will not remove this error from my credit report.

Thank you for your attention to this matter. I look forward to your assistance in ensuring my rights under the FCRA are protected and that Equifax and TransUnion are held accountable for their non-compliance.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Credit Reporting AgencyXXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Repossession Charge-Off Closed Account - Failure to Issue IRS 1099-C Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan repossession charge-off for the account listed under XXXX XXXX with account number XXXXThis account is marked as " closed '' and charged-off/written off, but I have not received an IRS Form 1099-C for the forgiven debt associated with this repossession. 
As you may know, under the IRS guidelines, a lender is required to issue a 1099-C for any debt that is cancelled or forgiven, typically in cases of repossession. To my knowledge, I have not received this form for the year the repossession occurred, which leads me to believe that this account has been inaccurately reported on my credit file.

I request that you investigate this matter and correct any inaccuracies regarding the reporting of this account. Specifically, I ask that you : 1. Verify whether a 1099-C was issued for this account.

2. Ensure that the credit reporting reflects the proper treatment of this closed account in accordance with IRS requirements.

3. Remove any improper reporting related to this account, including any charge-off or cancellation of debt that should have been documented via a 1099-C.

To assist in the investigation, I have included the following documents for your review : * [ List any relevant documents you are attaching, such as payment records, communication with the lender, or any other supporting evidence ].

Under the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation within XXXX  days and provide me with the results in writing.

If further documentation or information is needed, please let me know. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation