vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I have an account that was opened under my name that I do no recognize By " XXXX '' on XX/XX/XXXX or XX/XX/XXXX for {$280.00}... 
also an account XXXX XXXX {$330.00} XX/XX/XXXX. I have made a formal complaint with the FTC and will be attaching the report. I filed a police report with the XXXX XXXX Police department in XXXXXXXX XXXX XXXX Case # XXXX ) plus I made a report of stolen identity to the XXXXXXXX XXXX  XXXX on XXXXXXXX XXXX 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 2025-03-12 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: CO

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name # XXXX XXXX  Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX ACCOUNT name # XXXXXXXX XXXX XXXX  Account name XXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate individual about who the report relates according to 15USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this 5 treatment of inaccurate or unverifiable information ( A ) in generalllf after any reinvestigaton under paragraph ( 1 ) of any information disputed by a consumer an item of the 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 of file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information taht the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
This is a good start, but let 's refine it to be more precise and effective for your CFPB complaint. Here 's a revised version, incorporating key elements : Revised Statement : I am filing this complaint because I have an unauthorized hard inquiry on my credit report from the U.S. Department of Education. This hard inquiry appeared on XX/XX/year> of XXXX and is inaccurate. 
I initiated an application process on [ on XX/XX/year> through the U.S. Department of Education 's, Federal Student Aid. However, I did not authorize a hard inquiry. I exited the application process immediately upon realizing that completing it would result in a hard inquiry on my credit report. I never completed the application, nor did I provide explicit consent for a credit check. 
I request that the XXXX Department of Education investigate this unauthorized hard inquiry and immediately remove it from my credit report. I also request they notify the credit bureaus to remove this inaccurate information. 
I am concerned about the negative impact this unauthorized hard inquiry is having on my credit score and my ability to obtain credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi let someone who had access to my XXXX XXXX  acct drains funds with ease. When I realized this was happening I tried to dispute transactions with sofi and their answer was they were all valid. XXXX XXXX dollars given to XXXX XXXX no problem. I even told them to block all XXXX XXXX transactions. They told me they did over the phone but really they did nothing to secure my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-12 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my credit report dispute by Equifax and TransUnion. Despite my previous complaint, reference number XXXX EQUIFAX / XXXX TRANSUNION and repeated attempts to have inaccurate information corrected, both bureaus have shown little effort in properly investigating and resolving the discrepancies in the reporting of credit inquiries. 

Here are the key issues I have encountered : Inconsistent Reporting of Inquiries : Equifax reports XXXX inquiries on my credit report. 
TransUnion reports XXXX inquiries. 
XXXX reports XXXX inquiries. 
This inconsistency between the credit bureaus is concerning, as the same information should be reported accurately and uniformly across all three bureaus. 

Failure to Address Dispute Concerns : Despite filing a dispute with Equifax and TransUnion, I received responses that failed to fully investigate or resolve the discrepancies in my credit report. Equifax has claimed that these inquiries are factual and will remain on the file for XXXX years, but this does not address the issue of inconsistent reporting or the inaccurate nature of the inquiries listed on my report. 

Lack of Transparency : Both Equifax and TransUnion failed to provide clear evidence that they conducted a proper investigation into my dispute. The responses I received lacked sufficient detail or documentation to support their claims, further aggravating my concerns. 

Inaccurate and Misleading Inquiries : Many of the inquiries listed on my credit reports appear to be inaccurately labeled and misleading. These discrepancies have caused confusion and negatively impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Associated Credit Services, Inc.
State: SC

Complaint narrative:
I settled my account # XXXX in full with Associated Credit Services on behalf of XXXX XXXX  account # XXXX XXXX XXXX for {$1500.00} on XX/XX/year>. I was told it is now settled in full with no past due balance and was congratulated and told it would be closed and reported as paid in full. I received confirmation number # XXXX. XXXX has since then updated my account on all XXXX credit bureaus as open with a past due balance of $ XXXX information is incorrect, and is affecting my credit scores negatively. I tried contacting XXXX XXXX  with no success at a resolution. They are aware they are reporting incorrectly. This needs to be rectified instead of this scam of a company trying to get more money out of their customers by settling then reporting incorrectly for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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 : Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  ( 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 FCRAs 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 explanation
Consumer complaint received 2025-03-12 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: AL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Date ] Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unlawful Reinsertion Immediate Removal of XXXX XXXX Account Ending in XXXX To the Experian Dispute Department, I am disputing the unlawful reinsertion of the XXXX XXXX account ending in XXXX on my credit report. This account was previously removed but has now been reinserted without proper notice, in direct violation of FCRA 1681 ( a ) ( 5 ) ( B ).

1. Experian Violated FCRA 1681 ( a ) ( 5 ) ( B ) by Reinserting This Account Without Legally Required Notice Under FCRA 1681 ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts a previously deleted account, it must : Notify the consumer within 5 business days of the reinsertion.

Provide in writing the name, address, and contact number of the furnisher who provided the reinsertion request. 
Ensure that the furnisher has certified the accuracy and completeness of the information. 

I never received the required notice, making this reinsertion illegal under federal law. 

2. Experian Must Immediately Remove This Unlawfully Reinserted Account Since Experian failed to follow the legal reinsertion process, this account must be removed immediately.

If Experian can not provide documented proof that I was notified within 5 business days, this account must be deleted permanently from my credit file.

If Experian claims to have provided notice, I demand verifiable mailing records, tracking details, and timestamped documentation proving compliance with FCRA 1681 ( a ) ( 5 ) ( B ).

3. Legal Consequences of Non-Compliance Experian is already facing lawsuits for engaging in sham investigations and deceptive reporting practices. If this unlawful reinsertion is not immediately corrected, I will : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

2. Escalate this issue to the state Attorney General for willful FCRA violations.

3. Pursue legal action for statutory, punitive, and actual damages, as permitted under federal law.

4. Immediate Action Required I demand that Experian : 1. Immediately remove the XXXX XXXX account ending in XXXX from my credit report. 
2. Provide written confirmation of its deletion within 15 days.

3. Supply documented proof of compliance with FCRA 1681 ( a ) ( 5 ) ( B ) if Experian claims that proper reinsertion procedures were followed. 

If Experian fails to comply, I will pursue all available legal remedies to hold you accountable for these violations. 

I expect a written response within 15 days from the date of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

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 third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Upon reviewing my credit report, I identified inaccurate information. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the credit bureaus are required to verify these accounts. Reporting unverified accounts without proper documentation within the legally required timeframe is unlawful. The following accounts must be investigated and corrected to ensure the accuracy of my credit file : INQUIRIES : XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account XXXX / XXXX XXXX XXXX XXXX Account XXXX / XXXX XXXX XXXX Account XXXX  XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief