vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: VA

Complaint narrative:
I am filing a compiaint 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, Equifaxs 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 ( XXXX XXXX. XXXX ) 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. 


This is the account I marked as inaccurate ORIGINAL CREDITOR : XXXX XXXX XXXX  {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My personal information, social security, bank information, etc was compromised during a data breach by Equifax, Transunion, and Experian

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My personal information, social security, bank information, etc was compromised during a data breach by Equifax, Transunion, and Experian

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 2025-02-12 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$13000.00} XXXX XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXXXXXX BALANCED {$1300.00} XXXX XXXXXXXX XXXX BALANCED {$2500.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX ) XXXX Balance : {$340.00} These several fraudulent accounts and appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have repeatedly disputed the closed collection in my credit file and reached out to XXXX XXXX and the third party the debt was sold to for collection and have not received requested documentation showing my signatures and validation that I opened this card. The companies are breaking FCRA laws. 
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of the inaccurate, outdated and unverified account. Reporting to the CFPB is step one. I will pursue legal action as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I moved from XXXX to XXXX XXXXXX/XX/XXXX. I updated all of my financial creditors with my new address. My first year in XXXX was a financial disaster, physically stressful to the point that the stress made me sick. I feel beyond in a XXXX XXXX XXXXXXXX card however had a XXXX XXXX XXXXXXXX card that was paid off every month. I received no written communication from them about them changing my card. I saw in my experian credit report the debt was charged off in XX/XX/XXXX and have received no communication from XXXX XXXXXXXX about that account. 

Around XX/XX/XXXXXXXX XXXX XXXXXXXX closed my XXXX card and gave me a XXXX. I noticed that on the XXXX app. I never received a physical card but I did receive a digital card. I contacted XXXX XXXXXXXX at least XXXX times requesting the physical card. It turned out they mailed it to the address i moved from in XX/XX/XXXX and it was repented to then in XX/XX/XXXX but they had my updated information because I've been active on their app. Each of those phone calls took an average of XXXX minutes to XXXX hours, each time requesting the new card be mailed to me, and confirming my XXXX mailing address in each phone call. 
Out of the no where, I received a letter from their debt collector, Gurstel Law Firm in XXXX XXXXXXXX XXXX in the mail on XX/XX/XXXX. Coincidentally, on XX/XX/XXXX, I receive an envelope from XXXX XXXXXXXX with a statement for the XXXX that replaced the XXXX card ( but they claim they have not able to mail me a replacement card for the XXXX account that replaced the XXXX card, which is the physical card they claim was returned to them in XX/XX/XXXX because they mailed the original card to the address I'd not lived at for over 18 months ) > which is also the first written correspondence I've received from them since moving to XXXX on XX/XX/XXXX. 

I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-12 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: MA

Complaint narrative:
Equifax, Experian and TransUnion have not been following the consumer law.

With there new lawsuit against them I knew than and now they did not investigate my requests properly and have effected me financially. 

XXXX XXXX XXXX XXXX collection 15U.S.C 1681i ( a ) ( 1 ) ( A ) 15U.S.C 1681s-2 ( a ) ( 3 ) XXXX XXXX Was paid collection for deletion. All XXXX bureaus ignored letters and did not research proof. All the did was put paid for status and Equifax still has it as derogatory XXXX XXXX This is a business card that should not be on my credit as it was for a business The XXXX credit bureaus did not do there proper investigations and have been gaslighting me for awhile. From delay tactics as proof of identity, saying letters are not from me etc. All proof have been included like copy of license and utility bill and notorized. Now they have been sued for improper investigation I know for a fact a was a victim. I was also a victim of the breached last year and still they ignored me. They have ruined me financially and opportunities to move forward in life. 

I would like the items above removed from my credit immediately. 3 years of breaches and them being sued with me fighting is enough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Equifax, Experian and TransUnion have not been following the consumer law.

With there new lawsuit against them I knew than and now they did not investigate my requests properly and have effected me financially. 

XXXX XXXX XXXX XXXX collection 15U.S.C 1681i ( a ) ( 1 ) ( A ) 15U.S.C 1681s-2 ( a ) ( 3 ) XXXX XXXX Was paid collection for deletion. All XXXX bureaus ignored letters and did not research proof. All the did was put paid for status and Equifax still has it as derogatory XXXX XXXX This is a business card that should not be on my credit as it was for a business The XXXX credit bureaus did not do there proper investigations and have been gaslighting me for awhile. From delay tactics as proof of identity, saying letters are not from me etc. All proof have been included like copy of license and utility bill and notorized. Now they have been sued for improper investigation I know for a fact a was a victim. I was also a victim of the breached last year and still they ignored me. They have ruined me financially and opportunities to move forward in life. 

I would like the items above removed from my credit immediately. 3 years of breaches and them being sued with me fighting is enough

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 2025-02-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$5700.00} XXXX XXXX XXXX BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX  XXXX BALANCED {$3000.00} XXXX XXXX BALANCED {$910.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX BALANCED {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-02-12 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2025-02-12 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: IL

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable.

Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools.

Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS [ account_name, account_number, dispute_instruction ] [ public_records, dispute_instruction ] INQUIRIES [ Inquiries, dispute_instruction ] PERSONAL INFORMATION [ personal_Information, dispute_instruction ] Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax have contributed to their continued presence.

Legal Obligations Under the FCRA Under the FCRA, Equifax is legally required to : Ensure the accuracy of consumer reports.

Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps

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 2025-02-12 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: OK

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$25.00} XXXX XXXXXXXX XX/XX/XXXX {$140.00} XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXXXX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$530.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am submitting this formal complaint against Chase Bank, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX for their failure to honor financial instruments submitted for lawful debt discharge, fraudulent reporting to credit bureaus, and continued harassment regarding unlawful debt collection. These actions have caused financial harm, lowered my credit score unjustly, and led to undue distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: AZ

Complaint narrative:
There is inaccurate and incorrect personal information being reported on my credit report, addresses, names and employers that is not mine nor have any association with me. My HOME address is XXXX XXXXXX/XX/XXXX XXXX. There is 9 addresses, 2 Names and 2 Employers being inaccurately and incorrectly being reported.

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 2025-02-12 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: AZ

Complaint narrative:
There is inaccurate and incorrect personal information being reported on my credit report, addresses, names and employers that is not mine nor have any association with me. My HOME address is XXXX XXXXXX/XX/XXXX XXXX. There is 9 addresses, 2 Names and 2 Employers being inaccurately and incorrectly being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
I was effected in the database and all my information was stolen and used.

Company response to consumer: Closed with explanation