vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report as of XX/XX/XXXX, and noticed several hard inquiries that appear to lack a permissible purpose. I have attached supporting evidence for your reference. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I recently reviewed my credit report as of XX/XX/XXXX, and noticed several hard inquiries that appear to lack a permissible purpose. I have attached supporting evidence for your reference. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b.

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 2025-04-03 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: OR

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-04-03 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: OR

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-04-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is in Direct Violation of The Fair Credit Reporting Act ( Acct # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: Ava Finance, Inc
State: OR

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of the information your company is reporting about me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy when furnishing consumer information. However, you are reporting unverified and/or inaccurate data that is negatively affecting my consumer report.

I demand that you : 1.Provide verification and proof of the accuracy of the disputed information.

2.Delete any unverified or inaccurate data from my file.

3.Provide a written confirmation of the actions taken. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action. Please respond within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I created a savings account with Marcus by Goldman Sachs, they repeatedly lock my account and I have to go through the process of verifying my identity several times every time I make a transaction or try to access my funds. Recently, my IRS refund was deposited in that account as well as some other payments, and when I tried to paid some credit cards with those funds, they again locked my account and when I tried to reach out to unlock it, they said its under review and an affidavit would be mailed to me. I wont be in the XXXX for a long period of time because Im doing a XXXX XXXX in XXXX, and they wont let me unlock the account or close it and send my funds in a check to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: VT

Complaint narrative:
Requested method used to verify and validate debt and never received. Medical debt is being reported on my credit report which is a violation.

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
National Credit Systems reported a rental collection account to the credit bureaus under my name. 

I sent a certified letter requesting validation of the debt within the XXXX period after receiving the notice. I asked for a copy of the lease, proof that I was financially responsible, and a breakdown of the balance. They never responded or validated the debt. 

Despite this, they reported the account to credit bureaus before verifying anything, which is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting a full investigation, validation of the debt, or removal of the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX has many inaccurate address info, Job Info along with unauthorized hard inquiries I did not authorize. I have one address, also I don't work according to the FCRA any inaccuracies needs to be investigated and removed. 

My Address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Hard Inquiries : XXXX XX/XX/year> 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/year> I will attach my drivers license, social security card this is my identity validation no need to request identity validation after this dispute such as stalling method I'm aware credit agencies does that. Please investigate and remove immediately Thank you. 



Your Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I previously submitted this complainant on XXXX with this complainant ; I submitted a buy back request on XX/XX/XXXX and it said up to XXXX business days. Today is over day XXXX since that and it is still not completed. It has been escalated and processing in the final tier since XX/XX/XXXX. I have made multiple attempts to contact FSA and am always told to just keep waiting. I am attempting to buy back 6 months of time. I reached out to the provider and was told that they updated the information as of XX/XX/XXXX, however, FSA has not completed their portion. I have contacted XXXXOmbudsman and have no success. 

I got a response from the company stating that I needed to contact XXXX, who is the servicers, however that information is incorrect. XXXX does not handle XXXX nor do they handle the buy back program. This is an issue specifically with XXXX XXXX The buy back request was submitted on XX/XX/XXXX and as of XX/XX/XXXX I still have not had a response. I submitted a complainant on XX/XX/XXXX and as of XX/XX/XXXX have had no resolution or contact from XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-04-03 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: CA

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 explanation
Consumer complaint received 2025-04-03 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX XXXX. XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX 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 XXXXXXXX XXXX.

TransUnion XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Possible Financial Inc
State: TX

Complaint narrative:
Possible Financial Inc is in Direct Violation of The Fair Credit Reporting Act ( Acct # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TN

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer report it shall follow reasonable procedures to assures maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any in formation relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief