vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: WI

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the company to fix the error they reported on my credit. The payments were made through a seller ; I would deposit the money, and he took care of the payments. They responded by saying that the seller no longer worked for them and that they couldn't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Today, my account was restricted due to the reversal of a transfer from my other bank. When I called my bank to clear up the situation they advised me I had to wait three business days for my case to even be assigned to an agent. They provided no timeline for when my funds would be made available again. I asked to speak to a supervisor and was told that was not possible. I filed a complaint internally with the bank. I advise them that I had several withdrawals of coming including my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-27 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-27 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: GA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-27 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: MI

Complaint narrative:
I reviewed a copy of my credit report and noticed some inquiries that I have no knowledge of nor did I give my permission The following inquiries are a result of fraud please delete immediately 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 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

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 2025-02-27 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: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
They keep calling. I asked them to send a demand letter. I told them XXXX XXXX XXXX was negotiating payment of my debts and I was not going to arrange payment,. They demanded again and again when I would be making paying. I kept repeating that XXXX was handling my debts. I asked them not to contact me again. Yesterday they called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
I am disputing inaccurate information on my credit report regarding the following account : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$3100.00} ( TransUnion/ Experian ), {$3000.00} ( Equifax

) Status : Paid ( TransUnion/ Experian ), Derogatory ( Equifax ) Balance Inconsistency : The balance is not reporting the same across all bureaus, which is a violation of FCRA 623.

Status Error : If the account is paid, Equifax can not legally report it as derogatory.

V Date Discrepancies : The Last Activity and Date Reported are different across bureaus, which violates XXXX XXXX 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing inaccurate information on my credit report regarding the following account : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$3100.00} ( TransUnion/ Experian ), {$3000.00} ( Equifax

) Status : Paid ( TransUnion/ Experian ), Derogatory ( Equifax ) Balance Inconsistency : The balance is not reporting the same across all bureaus, which is a violation of FCRA 623.

Status Error : If the account is paid, Equifax can not legally report it as derogatory.

V Date Discrepancies : The Last Activity and Date Reported are different across bureaus, which violates XXXX XXXX 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a formal complaint against XXXX, Equifax, XXXX and various furnishers, including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and other creditors that have failed to correct inaccurate, outdated, and misleading information on my credit report. 

Despite filing multiple disputes and providing clear documentation to correct these inaccuracies, the credit bureaus have failed to investigate properly and continue reporting false information in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ].

1. Failure to Conduct a Proper Investigation FCRA 611 ( 15 U.S.C. 1681i ) The credit bureaus failed to correct inaccurate information and did not provide a reasonable investigation as required by the FCRA. 
XXXX and Equifax verified inaccurate data without conducting a legitimate reinvestigation. 
XXXX. XXXX XXXX XXXX FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers ( such as XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to report incorrect loan amounts, closed accounts still showing balances, and past delinquencies that do not belong to me. 
Creditors must report accurate data, yet they failed to do so.

3. Failing to Remove Outdated Negative Information FCRA 605 ( 15 U.S.C. 1681c ) Some of the collection accounts and charge-offs have exceeded the 7-year reporting limit but remain on my report.

4. Violating Debt Collection Laws FDCPA 807 ( 15 U.S.C. 1692e ) Debt collectors are misrepresenting debt amounts and reporting erroneous past-due balances on closed accounts.

5. Negligence and Willful Noncompliance FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ) The credit bureaus and furnishers have engaged in willful and negligent noncompliance, causing substantial damage to my creditworthiness.

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 2025-02-27 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX, Equifax, XXXX and various furnishers, including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and other creditors that have failed to correct inaccurate, outdated, and misleading information on my credit report. 

Despite filing multiple disputes and providing clear documentation to correct these inaccuracies, the credit bureaus have failed to investigate properly and continue reporting false information in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ].

1. Failure to Conduct a Proper Investigation FCRA 611 ( 15 U.S.C. 1681i ) The credit bureaus failed to correct inaccurate information and did not provide a reasonable investigation as required by the FCRA. 
XXXX and Equifax verified inaccurate data without conducting a legitimate reinvestigation. 
XXXX. XXXX XXXX XXXX FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers ( such as XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to report incorrect loan amounts, closed accounts still showing balances, and past delinquencies that do not belong to me. 
Creditors must report accurate data, yet they failed to do so.

3. Failing to Remove Outdated Negative Information FCRA 605 ( 15 U.S.C. 1681c ) Some of the collection accounts and charge-offs have exceeded the 7-year reporting limit but remain on my report.

4. Violating Debt Collection Laws FDCPA 807 ( 15 U.S.C. 1692e ) Debt collectors are misrepresenting debt amounts and reporting erroneous past-due balances on closed accounts.

5. Negligence and Willful Noncompliance FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ) The credit bureaus and furnishers have engaged in willful and negligent noncompliance, causing substantial damage to my creditworthiness.

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 2025-02-27 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-27 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: TX

Complaint narrative:
I am submitting this formal complaint against Trans Union and Experian for failing to properly verify accounts appearing on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, these credit reporting agencies have neglected their legal obligation to conduct reasonable investigations and have continued to report inaccurate and unverifiable information.

I have obtained a letter from the courts explicitly stating that they do not report information to the credit bureaus. This directly contradicts the information listed on my credit report, proving that these accounts are unverified and should not be included in my credit history. As a result, the credit bureaus ' actions constitute a violation of my rights under the FCRA and can be classified as identity theft.

Under the FCRA ( 15 U.S.C. 1681 ), credit bureaus must ensure maximum possible accuracy when reporting consumer information. Furthermore, under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit bureaus must conduct a proper reinvestigation of disputed items and delete any information that can not be verified. In this case, the failure to obtain accurate information from the original source and the continued reporting of unverifiable accounts is a clear breach of these legal requirements.

I am requesting the immediate removal of the fraudulent and unverified accounts from my credit report and an official statement from the credit bureaus confirming that these inaccuracies have been addressed. Additionally, I request that the CFPB conduct an investigation into this matter and take appropriate enforcement action to prevent further violations of consumer rights.

Enclosed are copies of supporting documents, including the letter from the courts, prior dispute correspondence, and copies of my credit reports showing the erroneous accounts.

I appreciate your prompt attention to this matter and look forward to your resolution of this complaint. Please provide me with a written response detailing the actions taken to correct this issue.

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 2025-02-27 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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