vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-03-05 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: ID

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : 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 2025-03-05 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: IL

Complaint narrative:
XXXX is reporting inaccuracies on my credit report without my consent which is a violation to the FCRA. The opening dates, the account status, last payment dates, and also the payment history is inaccurate with Transunion, XXXX, and XXXX. the credit agencies must report the same payment history, also opening and closing dates must be the same otherwise it's inaccurate. according to US law code USC 15 USC 1681b Permissible purposes of consumer reports it states the facts The consumer reports consist of ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having a jurisdiction to issue such an order, a subpoena issued in connection with preceding before a federal grand jury or a subpoena issued in accordance with section 5318, or title 31, in connection with a credit transaction involving the consumer on whom the information to be furnished, employment purposes, in connection with the underwriter of insurance involving the consumer, to determine the consumer eligibility for a license, in connection with a business transaction, in response to a request by the head of a state or local government for child support purposes. '' XXXX is violating the FCRA, and consumers rights. also as of XX/XX/year> XXXX was used for failure to sufficiently communicating with borrowers about maintaining access to affordable payments however, this company has=as furnished my credit report without my consent I'm aware anything being furnished to my report I must get notice within 5 days of the first contact which I have not which is another violation. as of today XXXX XXXX there are many lawsuits against XXXX for their many violations violating state and federal laws. I ask that Transunion, XXXX, and XXXX do valid investigations, and remove these inaccurate accounts that's Furnishing my report, and credit worthiness.

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 2025-03-05 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: IL

Complaint narrative:
XXXX is reporting inaccuracies on my credit report without my consent which is a violation to the FCRA. The opening dates, the account status, last payment dates, and also the payment history is inaccurate with XXXX, Equifax, and XXXX. the credit agencies must report the same payment history, also opening and closing dates must be the same otherwise it's inaccurate. according to US law code USC 15 USC 1681b Permissible purposes of consumer reports it states the facts The consumer reports consist of ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having a jurisdiction to issue such an order, a subpoena issued in connection with preceding before a federal grand jury or a subpoena issued in accordance with section 5318, or title 31, in connection with a credit transaction involving the consumer on whom the information to be furnished, employment purposes, in connection with the underwriter of insurance involving the consumer, to determine the consumer eligibility for a license, in connection with a business transaction, in response to a request by the head of a state or local government for child support purposes. '' XXXX is violating the FCRA, and consumers rights. also as of XX/XX/year> XXXX was used for failure to sufficiently communicating with borrowers about maintaining access to affordable payments however, this company has=as furnished my credit report without my consent I'm aware anything being furnished to my report I must get notice within 5 days of the first contact which I have not which is another violation. as of today XXXX XXXX there are many lawsuits against XXXX for their many violations violating state and federal laws. I ask that XXXX, Equifax, and XXXX do valid investigations, and remove these inaccurate accounts that's Furnishing my report, and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
XXXX is reporting inaccuracies on my credit report without my consent which is a violation to the FCRA. The opening dates, the account status, last payment dates, and also the payment history is inaccurate with XXXX, XXXX, and Experian. the credit agencies must report the same payment history, also opening and closing dates must be the same otherwise it's inaccurate. according to US law code USC 15 USC 1681b Permissible purposes of consumer reports it states the facts The consumer reports consist of ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having a jurisdiction to issue such an order, a subpoena issued in connection with preceding before a federal grand jury or a subpoena issued in accordance with section 5318, or title 31, in connection with a credit transaction involving the consumer on whom the information to be furnished, employment purposes, in connection with the underwriter of insurance involving the consumer, to determine the consumer eligibility for a license, in connection with a business transaction, in response to a request by the head of a state or local government for child support purposes. '' XXXX is violating the FCRA, and consumers rights. also as of XX/XX/year> XXXX was used for failure to sufficiently communicating with borrowers about maintaining access to affordable payments however, this company has=as furnished my credit report without my consent I'm aware anything being furnished to my report I must get notice within 5 days of the first contact which I have not which is another violation. as of today XXXX XXXX there are many lawsuits against XXXX for their many violations violating state and federal laws. I ask that XXXX, XXXX, and Experian do valid investigations, and remove these inaccurate accounts that's Furnishing my report, and credit worthiness.

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 2025-03-05 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: TX

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 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 2025-03-05 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 filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the XXXX DATA BREACH. PLEASE REFER TO THE XXXX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift 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 non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Remove Affirm accounts from credit report. Affirm account opened fraudulently, not opened by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-05 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: SC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-03-05 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Got a email from a company about Paypal. It is a scam I don't have paypal. Called the number back and it works. So here is a idea track the number down and go after these people. The number is XXXX like I said they answer the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

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 2025-03-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have disputed accounts on my credit report that was inaccurate, and they have been removed. However, now they have reappeared back on my credit report as open and making payments on accounts that's has been paid in full and closed and removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
SUNRISE CREDIT SERVICES INC have asked you to validate the alleged debt you claim I owe, and all you have provided me is a letter dated XXXX with a reference number XXXX for an alleged account # XXXX for a balance of {$240000.00} which you can not prove is mine. 
You SUNRISE CREDIT SERVICES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
You failed to validate this alleged debt. 
You SUNRISE CREDIT SERVICES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX of XXXX XX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to XXXX the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and XXXX XXXX

Company response to consumer: Closed with non-monetary relief