vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
Subject : Unauthorized Hard Inquiries on Credit Reports Complaint Against : 1. XXXX XXXX. TransUnion Complaint Details : I am submitting this complaint regarding unauthorized hard inquiries reported by both XXXX and TransUnion. These inquiries were not authorized by me, and both credit reporting agencies have failed to remove them despite my disputes. The following laws are relevant to this issue : 1. 15 U.S.C. 1681b ( f ) ( 2 ) : This law requires consumer reporting agencies to only include inquiries when there is a permissible purpose and explicit consumer consent. I have not provided consent for the listed inquiries.

2. 15 U.S.C. 1681q : This statute prohibits obtaining a consumer report under false pretenses. The entities responsible for these inquiries failed to obtain my consent, and XXXX and XXXX reporting of these inquiries enables violations of this law.

3. 15 U.S.C. 1681c-2 : This section allows consumers to block fraudulent or unauthorized inquiries. I have notified XXXX and TransUnion about these inquiries and requested their removal, but they remain on my reports. 

Disputed Hard Inquiries Experian Credit Report : First Invst SVC/FIRST : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Steps Taken : 1. I filed disputes with both Experian and TransUnion to remove these unauthorized hard inquiries.

2. I requested documentation or proof of my consent for these inquiries, which neither agency has provided.

3. Despite my disputes, the unauthorized inquiries remain on my credit reports, negatively affecting my XXXX XXXX. 

Resolution Sought : I request the CFPB 's assistance to : 1. Ensure that XXXX and TransUnion delete the unauthorized hard inquiries listed above. 

2. Confirm that XXXX and TransUnion comply with 15 U.S.C. 1681b ( f ) ( 2 ), 1681q, and 1681c-2 by requiring permissible purposes and consumer consent for all reported inquiries.

3. Require XXXX and TransUnion to improve their dispute resolution processes to address unauthorized inquiries efficiently and transparently. 

Desired Outcome : Immediate removal of all unauthorized hard inquiries from both XXXX and TransUnion credit reports. 
A formal explanation from both agencies regarding their noncompliance with federal law. 
XXXX that both agencies will implement measures to prevent similar issues in the future.

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 2025-01-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The fraudulent accounts linked to my credit report through identity theft have been added without my authorization or written signature, causing severe disruption to my financial wellbeing. These unauthorized entries have not only created significant emotional distress but have also directly prevented me from achieving crucial life goals, including purchasing a home and adequately providing for my family 's needs. Despite my previous communication with your organization about this serious matter, these harmful entries persist on my report, continuing to misrepresent my credit history and responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: PA

Complaint narrative:
Per TransUnion I obtained a secured loan in XX/XX/year> for over {$2900.00}. I did not apply for this credit. I never received a call or a letter from this company. I called the information provided on my credit report and the company XXXX XXXX XXXX XXXX XXXX they have no knowledge. This is the 2nd time I filed a complaint. The company requested information from me that they should have if I was extended credit or if I obtained a loan with them. Please have this company provide a TIL statement and a promissory note.

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDNELNET : # XXXX, has violated my rights. 

I looked at Transunion credit report and noticed some things are incomplete and inaccurate. 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 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 2025-01-03 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
For years, I have been repeatedly charged for fraudulent charges on my Apple / Goldman Sachs card from one vendor ( XXXX XXXX ). 

In total, probably close to or over 100 fraudulent charges. I have raised this issue with the issuer on many, many occasions both on the phone and through the chat feature. I have followed instructions of the card carrier in changing my number and cancelling my card- both of which have been done at least 10-15 times - but the charges continue. 

This situation has caused me to spend hours with the carrier to address these issues and it has caused me significant distress to deal with this issue over the years. This problem has persisted and the carrier now indicates that they are unable to stop the fraud. The carrier also refuses to address the issue with the vendor, XXXX XXXX. 

It is astonishing that a credit card company does not have the capability to block charges from a specific vendor when those charges are fraudulent. It is completely unfair that I have to regularly inspect my account to flag these fraudulent charges. 

I have fully blocked all charges on this card which means I will not be able to use the charge in the future. 

Note that I do not have a current card number because I asked for my card to be disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
The accounts listed on my credit report are incorrect and should not be there. You have included false information that is completely unfounded. This is not only unjust, but also concerning, as I have never participated in the activities you're accusing me of. Should you fail to investigate and rectify these errors, I will be forced to take legal action.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Received a letter concerning health data breach from lab used to research generational 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 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This agency is in violating of multiple FCRA violations according to title 15 us 1681, Gram Leach Bily Act, Privacy Act of 1974 and Uniform Commercial Code. I have sent in several affidavits of truth, FTC report and supporting documents to remove inaccurate information on my consumer report. I don't have any contractual obligations with any of these entities nor will I in the future XXXX # XXXX  {$29000.00} Account : XXXX XXXX XXXX {$36000.00} XXXX XXXX {$9600.00} 15 U.SC 1681 section 602A states I have the right to Privacy 15 U.SC Section 604 Section 2, also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 G, states I the consumer am entitled to full disclosure during any dispute. This agency refuses to send me their method of verification violating the rights I have under congress I demand these accounts be Deleted or I will enforce my right to file a federal claim under 15 USC 1681n

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 2025-01-03 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: GA

Complaint narrative:
This agency is in violating of multiple FCRA violations according to title 15 us 1681, Gram Leach Bily Act, Privacy Act of 1974 and Uniform Commercial Code. I have sent in several affidavits of truth, FTC report and supporting documents to remove inaccurate information on my consumer report. I don't have any contractual obligations with any of these entities nor will I in the future XXXX # XXXX  {$29000.00} Account : XXXX XXXX XXXX {$36000.00} XXXX XXXX {$9600.00} 15 U.SC 1681 section 602A states I have the right to Privacy 15 U.SC Section 604 Section 2, also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 G, states I the consumer am entitled to full disclosure during any dispute. This agency refuses to send me their method of verification violating the rights I have under congress I demand these accounts be Deleted or I will enforce my right to file a federal claim under 15 USC 1681n

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 2025-01-03 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am submitting this formal complaint regarding [ Experian ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts : On [ XX/XX/XXXX ] Complaint # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided [ Experian ] with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Despite this, [ Experian ] failed to block the disputed items within the four business days required by FCRA 605B . Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. [ Experian ] 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings.

Legal Basis for Complaint : Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. [ Experian ] 's refusal to comply with this requirement constitutes a direct violation of federal law.

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : [ Experian ] failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

Precedent Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX Bank XXXX New York, XXXX XXXX XXXX. XXXX ( E.D.N.Y. XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

Summary of Noncompliance and Violations : [ Experian ] 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, [ Experian ] 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.

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 2025-01-03 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: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: VA

Complaint narrative:
I called to put my student loan on deferment and was approved for 1 year. 6 months later I received a notice saying I'm being put on collection. I called to find out what happened and explained that I was eligible and approved for 1 year deferment. The people on the phone said that they are not going to change it, I also asked for them to check and provide me with the recorded conversation and they refuse to provide it saying it was not recorded. The situation was that I was approved XX/XX/XXXX and was supposed to end XX/XX/XXXX. The agent made a mistake and entered the deferment for XX/XX/XXXX and ends XX/XX/XXXX. I raised this issue and they said that the line dropped and I never called back, which is why i asked for recorded conversation. They refuse to fix this issue and have dropped my credit score and rating. This is affecting my personal and professional life and I do not thing this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
loandepot is holding insurance proceeds needed to pay a contractor to start work on a repair that is covered by my insurer. 

XX/XX/XXXX, XXXX Our home suffered water damage, the incident was covered by my insurer and they agreed to pay for water mitigation and repairs ( {$26000.00} ) XXXX XXXX, XXXX Water mitigation was completed and XXXX paid {$5300.00} XXXX Service Master for their work XX/XX/XXXX, XXXX Contractors have been selected and a check for {$10000.00} was sent from XXXX Insurance to loandepot for XXXX XXXX 

XX/XX/XXXX, XXXX loandepot advised that they would not release the funds needed to pay our contractors to purchase material. 

XX/XX/XXXX, XXXX loandepot reqeusted an inspection of the completed work, which indicated that 30 % of the job was finished ( the water mitigation ). Our insurance claim XXXX emailed loandepot advising that they release funds so the work could be started, and also stated that XXXX is holding on to the final check until the work is completed. 

XX/XX/XXXX, XXXX loandepot stated that they will not release any funds, because more than 25 % of the total value had already been released. I explained that the water mitigation company had already been paid, and their calculations should be based on the remaining work, which is with a new XXXX. We have only been paid 16.74 % of the total value as of XX/XX/year>. 

XX/XX/XXXX, XXXX XXXX XXXX loandepot that the total {$10000.00} needs to be release for work to begin, loandepot again advised that they would not release funds until progress is made on the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express gift card containing {$300.00}. I confirmed online that the card is active and contains {$300.00}. I have been unable to use it anywhere ( physical or online ). I called customer service, but they could not provide me any solutions.

Company response to consumer: Closed with monetary relief