vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following account listed on my credit report : \n Account Name : Ally Financial Account Number : XXXX Amount : {$15000.00} Account Name : XXXX I am writing to formally request the removal of an account from my credit report as reported by TransUnion XXXX This request is based on the recent deletion of an account by XXXX, XXXX XXXX XXXX. I recently disputed a charge-o for Account Name : XXXX XXXXl Account Number : XXXX Amount : {$15000.00} ; Account Name ; XXXX .. XXXX a thorough investigation, XXXX, XXXX XXXX XXXX has completely removed this unverifiable/Fraudulent account from my report as of XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX and XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX, XXXX and Transunion has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX, XXXX XXXX XXXX XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX, XXXX XXXX XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely

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 2025-01-09 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: OH

Complaint narrative:
I am writing to file a formal complaint against Experian regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, Experian has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Experian by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Experian 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : Experians illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : Experian reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

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 2025-01-09 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. Despite my efforts to resolve this matter directly with Equifax, the issue remains unresolved. 
The following unauthorized inquiries are listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXMovement Mortgage Dated XX/XX/XXXX These inquiries were made without my knowledge or consent and are fraudulent. I have provided Equifax with all necessary documentation to demonstrate that I did not authorize these inquiries, and I firmly believe they are the result of a data breach. 
It is important to note that my credit profile was frozen at the time these inquiries occurred, further underscoring that I could not have authorized them. Despite this, Equifax has failed to take appropriate action to remove these fraudulent inquiries from my credit report. 
Equifax 's refusal or failure to investigate and resolve this issue has caused me undue stress and potential damage to my credit profile. I am requesting that the CFPB investigate this matter and ensure that Equifax complies with the Fair Credit Reporting Act ( FCRA ) by removing these fraudulent inquiries and improving their processes for handling consumer disputes related to unauthorized activity. 

Thank you for your attention to this matter. I trust the CFPB will act to hold Equifax accountable and protect consumers like me from unauthorized and fraudulent credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I have made several attempts including FTC identify theft veri action documents to address the following ; Incorrect name, multiple incorrect addresses, Collections associated with the FTC identity theft report and XXXX has requested my verification documents such as utility bill, id and these have been sent and confirmed they have received. 

They continue to report on multiple accounts that have been removed and deleted from the other XXXX credit bureaus. They share that they have deleted the items once i dispute them via phone due to id theft, and they in turn do no and continue to negatively report on several fraudulent accounts associated with identity theft in addition report inquires and Tradelines all under identity theft which do no belong to me nor did i authorize. I additionally, they continue to report old, sometimes over XXXX  years, account t information that had been deleted or removed from the other credit reporting agencies.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this communication expressing my desires, needs, and information regarding the consumer reporting agencies finds you well. 
I am writing to give a formal complaint and notice regarding the consumer reporting agencies running and reporting accounts on my file without following the orders regarding the accounts. I have been attempting to have these accounts updated, amended, adjusted, and status corrected on my reports. The failure to follow the federal law in regards to my written consent, authorization in reporting information on my files without proper due diligence and this is causing me severe harm and damage as I am to exercise my power and right as a living man to operate in the commercial space. I have received the 1099c and the certificate of discharge court ordered and officially reported as settled and forgiven. The creditors are no longer able to report inaccurate and items that have no consent from the consumer. 
Please see the attached 1099c and now the creditor can not collect on the debt as it is forgiven and all forgiven debts are considered as income and income can not be reported own any consumer file. I am in need of these accounts to be updated and to update all the inaccurate transactions and payment history being missed and mis reported as I have never been late on any payment, I have never missed a payment, any closed accounts without my written consent is unlawful. I have attached the proof that these accounts are setttled and paid. These agencies need to promptly update the records and send me all new reports sand updated consumer scores and updated reports mailed to my location. 

I am being patient and now my patience has runneth over and I am being harmed injured and damaged. I need these agencies to take responsibility for their actions. I will need the enforcement and regulations of consumer protection laws to be enforced. I am due remedy, compensation, and inconvienence pay for taking my limited time to deal with this for over a year and they do nothing and its not acceptable and I will be reporting the violations as each consumer report that has any unauthorized charge or reporting a violation charge to me for the negative reporting against my accounts.

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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a mortgage with fifth third bank. My father passed away and I was secsesor of interest in the property my name is on deed and property bill. I have documentation that the bank would not respond to my emails after I sent them all the in fo they requested I also have the emails. I contacted XXXX XXXX who owns the loan and have a email from them stating that they bank would not even respond to them when they tried to help me get answers and said they had to close my case. I was notified of one court date my son was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX at the time I told them that the process was stopped never heard anything else by mail notice from sheriff anything and now they have a sheriff sale scheduled on XX/XX/year>. I have a family I am XXXX and I have a son that has health issues that require in home health care every45 days where he receives a XXXX XXXX XXXX  for a health condition that XXXX XXXX XXXX XXXX XXXX from. This was my father 's home he passed away and this is all I have left of him. I can pay the mortgage but I cNt when they will not contact me or work with me. I need help please. I am going to try to file a lawsuit to stop the foreclosure. I have a big settlement coming and plan on paying house of and have paperwork to prove that but it will be a year before I get any money maybe a year and a half. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their return, nor have I received any communication about this by mail.

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 2025-01-09 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: PA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Transunion regarding unauthorized credit inquiries that have appeared on my credit report. Despite my efforts to resolve this matter directly with Transunion, the issue remains unresolved. 

The following unauthorized inquiries are listed on my credit report : XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent and are fraudulent. I have provided Transunion all necessary documentation to demonstrate that I did not authorize these inquiries, and I firmly believe they are the result of a data breach. 

It is important to note that my credit profile was frozen at the time these inquiries occurred, further underscoring that I could not have authorized them. Despite this, Transunion has failed to take appropriate action to remove these fraudulent inquiries from my credit report. 

Transunion 's refusal or failure to investigate and resolve this issue has caused me undue stress and potential damage to my credit profile. I am requesting that the CFPB investigate this matter and ensure that Transunion complies with the Fair Credit Reporting Act ( FCRA ) by removing these fraudulent inquiries and improving their processes for handling consumer disputes related to unauthorized activity. 

Thank you for your attention to this matter. I trust the CFPB will act to hold Transunion accountable and protect consumers like me from unauthorized and fraudulent credit reporting practices. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-09 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

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