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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened XXXX separate chase bank accounts for my children for XXXX  apportionment. I deposited XXXX treasury checks that were legitimate. They froze all of my bank accounts even the one I didnt deposit checks in. Today marks a week with my accounts frozen. Theyre now canceling my accounts and mailing me a check in 10 days. There are specific rules about how I use the XXXX  funds and I get audited every 6 months. They assured me they could open these accounts. They will not give me a reason for my accounts closing and my checks are legitimate and verified from the XXXX government. I had an account since XXXX  and Ive never had an issue with my personal account until now. They froze that account along with my kids XXXX checking accounts.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: NY

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Im reaching out because Experian is helping XXXX XXXX XXXX  XXXX put incorrect information on my credit report related to the account below. 
XXXXXXXX XXXX XXXX  XXXX account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as a gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my credit report isnt accurate! 

Accourding to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. keeping this inaccurate info on my credit report is a violation of the FAIR CREDIT REPORT ACT and your role as a credit report agency. 

Please delete this incorrect information from my report immediately. 

Thank 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the following items listed down below, as it is incorrect and does not reflect my true credit history.

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: Experian Information Solutions Inc.
State: KY

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. 

XXXX XXXX : XXXX - Account XXXX XXXX XXXXXXXX

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed.

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage.

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences.

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies.

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective 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: SC

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed.

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage.

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences.

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies.

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over XXXX  days ago I requested method of verification and proof of verification for this account reporting on my Equifax report and the information was never received. However, Equifax informed me, Report # : XXXX, that the account was verified but no proof of verification provided. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be deleted from the consumer 's file. Additionally, under 15 U.S.C. 1681c-2, any information that is the result of an unverifiable or inaccurate reinvestigation must be permanently blocked from my credit report. Since Equifax has not provided sufficient evidence of verification, I demand that the unverified negative account be immediately deleted and blocked from further reporting on my credit report.

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: 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: NY

Complaint narrative:
Subject : Complaint Regarding Credit Bureau Violation of XXXX XXXX  XXXX XXXX XXXX on Medical Debt Reporting To Whom It May Concern, I am filing this complaint against Experian, Equifax and Transunion for their failure to comply with XXXX XXXX  XXXX XXXX XXXX, signed into law by the Governor of XXXX XXXX This law explicitly prohibits credit bureaus from including medical debt on credit reports for XXXX XXXX residents. Despite this clear legal mandate, XXXX has improperly included medical debt in my credit report, negatively impacting my credit standing. 

I have attempted to resolve this issue by disputing the inaccurate reporting directly with Experian, Equifax and Transunion, but they have failed to remove the medical debt from my report as required by Senate Bill S4907A. This constitutes a clear violation of my consumer rights under New York XXXX law. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary steps to ensure that Transunion, Experian and Equifax complies with Senate Bill S4907A by promptly removing all medical debt from my credit report. Additionally, I seek confirmation that my rights under this law will be upheld in the future. 

I appreciate your prompt attention to this issue and look forward to your response. Please let me know if you require any further 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 explanation
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 — Problem with personal statement of dispute
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have had a XXXX  with SSFCU for many years with the balance for the past year at around {$100.00} and the payments being interest only and around a {$1.00} per month. A couple of months ago the payment processing system would not let me make any payment online or turn on auto bill pay and I would receive an error notice ( image attached ) directing me to a phone number that when called told me to call back later. I had only left the loan open as a line of credit but decided to close it. I began receiving messages that I was in default of the loan and a message from the credit agencies. I immediately wired the entire balance in full on XX/XX/year> and disputed the default to the credit agencies. I received a denial of the dispute with no details. This appears to be done to intentionally drive down individuals credit scores resulting in higher returns for the banks at the expense of the consumer. Defaulting a loan for {$1.00} on while not accepting payments is unacceptable and unfortunately will not be doing business with SSFCU again

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Amount USD Account Number Provide XXXX XXXXXXXX XXXX XXXX XXXX {$3000.00} XXXX Unverified Account XXXX XXXX XXXX {$2400.00} XXXX Unverified Account XXXX XXXX XXXX {$5200.00} XXXX Unverified Account

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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 2025-03-05 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Final Dispute Notice Demand for Immediate Deletion of Inaccurate and Unverified Items To Whom It May Concern, This letter serves as my third and final attempt to resolve the numerous inaccuracies and violations of consumer protection laws found in my credit report, as provided by XXXX. I have repeatedly requested that these errors be corrected or deleted, yet XXXX has failed to comply, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX reporting standards. 

The continued presence of these false and unverified accounts and inquiries has severely impacted my financial well-being, including denial of credit and other essential services. As XXXX is already under legal scrutiny due to recent lawsuits, I will not tolerate further neglect or failure to act in accordance with federal law. 

Disputed Items ( Demand for Deletion ) The following items must be immediately deleted, as they have been improperly reported and remain unverified : 1. Collection Accounts & Charged-Off Accounts Several collection and charge-off accounts listed in my report have failed to meet legal verification standards. Under the FCRA, unverified accounts must be removed.

2. Incorrect Personal Information My personal information, including name variations and addresses, contains multiple errors. These inaccuracies contribute to further misreporting. 
3. Hard Inquiries Unauthorized and outdated hard inquiries remain on my report, negatively affecting my creditworthiness. These inquiries must be deleted immediately as they were not initiated with my full and verifiable consent. 

Violations & Legal Consequences By continuing to report inaccurate and unverifiable information, XXXX has engaged in : Defamation By publishing false and damaging information that has led to financial harm. 
Negligence By failing to follow reasonable procedures to ensure maximum possible accuracy.

Willful Noncompliance with FCRA & XXXX XXXX Standards Resulting in my inability to obtain credit, impacting my livelihood. 

If XXXX fails to comply within 15 days of receiving this letter, I will have no choice but to proceed with legal action, including filing a lawsuit for defamation, willful negligence, and financial damages related to lost opportunities and emotional distress. I will also seek statutory damages, punitive damages, and attorney fees, as allowed under the FCRA. 

This is your final opportunity to correct these violations outside of court. I expect written confirmation that these items have been deleted ( not updated or corrected ) and that my report has been fully rectified. 

Failure to respond appropriately will result in immediate legal escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation