vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
{ XXXX } { XXXX } { XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL } { XX/XX/XXXX } { XXXX } { XX/XX/XXXX } ATTN Risk Management XXXX This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by XXXX, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S.Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection XXXX ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under XXXX U.S.Code 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 2025-02-25 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: AL

Complaint narrative:
{ XXXX } { XXXX } { XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL } { XX/XX/XXXX } { XXXX } { XX/XX/XXXX } ATTN Risk Management XXXX This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by XXXX, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S.Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection XXXX ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under XXXX U.S.Code 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 2025-02-25 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: FL

Complaint narrative:
My wife had a Bank XXXX XXXX XXXX account and original statements from 2003 onward show only her name. I used a second card for a short time to increase reward points but stopped because of the card 's inconveniences. I was never an " owner '' of the account yet I discovered that XXXX had me as an owner and my name on statements in later years. XXXX claims I could not have been added as an owner without my permission. Upon request of proof that I asked to be an owner, they were unable to find any. They took me off the account and I have a letter from them showing I am no longer on the account. In the meantime, my wife settled her debt and is paying XXXX monthly via XXXX XXXX which is a credit consolidation/repayment firm. My issue of complaint is that Experian refuses to remove the months of non-payment while the debt was being settled from MY credit report. They have it as a negative on my account even though I have shown them the letter from XXXX stating it is not my account, and XXXX  has no evidence proving I ever asked to be on the account. When I file a dispute through their automated system, they simply reply " XXXX  confirms the info is accurate. '' I have provided them with the letter stating I am not an owner of the account. I don't know what they are getting from XXXX- maybe just confirmation the account exists? But since it's all automated, no human seems to be seeing the evidence properly. Experian is not asking for proof that I have asked to be an owner, only taking the word of XXXX? All the other credit agencies have removed this from my report in good faith after I provided the XXXX letter stating I wasn't an owner. But Experian does nothing but go in automated circles. Before they simply believe that I was an owner, they need to ask for proof that I requested to be an owner, as I have done. When they're given no proof, they should clear this from my otherwise always perfect 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 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX - XXXX 's XXXX - North Carolina. In XX/XX/XXXX, XXXX sent notice that it would not be renewing my policy effective XX/XX/XXXX. I had to obtain a new provider to take effect on XX/XX/XXXX so as to not have a lapse in coverage. 
On XX/XX/XXXX, XXXX supposedly decided to " reinstate '' policy coverages due to flood damages received in western NC. I, as I'm sure most, did not need XXXX XXXX weeks later due to having to obtain another XXXX, which took effect XX/XX/XXXX. 
XX/XX/XXXX, I received a letter from a debt collection agency attempting to collect almost {$700.00} as reported by XXXX for non-payment of the policy THEY cancelled. This has been extremely stressful ; consumed hours of my time trying to resolve and now affecting my XXXX XXXX. 
I did Not ask XXXX to cancel my policy of 20 years. I did NOT ask XXXX to reinstate a policy they cancelled - Yet they have caused me undue anguish and a negative credit rating!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-25 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: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
On XX/XX/year> and XX/XX/year>, I wrote Experian credit reporting agency detailing several inaccurate reportings on my credit file. The company did respond but did nothing to fix any of the inaccuracies. I have the reports attached showing the inaccuracies and I am requesting these be removed according to the FCRA 15 USC 1681e ( b ), as these accounts are not showing the maximum possible accuracy, the open date, and the date last active are not accurate. They have had ample time to correct the problem and have done nothing so far. They have ignored my request for a review, avoided my request, and done everything they could to avoid fixing the problem. I would like my rights to be upheld and the continuous violation of my rights to cease. The account that am requesting be deleted for reporting false, incomplete, and inaccurate information is XXXX partial acct # XXXX amount XXXX The open dates shown are incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents The date last active is incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents. 

XXXX XXXX partial acct # XXXX The open dates shown are incorrect and inconsistent across each credit reporting agency. The date last active is incorrect, last payment dates are incorrect, the open dates are incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents. 

A collection was placed on my credit file by XXXX XXXX XXXX I disputed the account as I do not recognize this account and recently, I had some fraud and inquiries on my report that were not mine. Experian claimed they investigated but I do not believe they did anything, just like they have done nothing to investigate or ensure the accuracy of the above accounts. The original dispute number is 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 2025-02-25 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: HI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX card services XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from 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 non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
Please review this complaint carefully, as it was submitted with full intent. My credit report contains incorrect personal information, which has led to accounts, transactions, and other items appearing that do not belong to me. This is extremely concerning and has caused me significant stress and anxiety. It is unacceptable that my report includes inaccurate data, and I should not have to deal with the consequences of errors that are beyond my control.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have the below issues, and please address each : 1. Please leave a complaint for the male manager I spoke with today on XX/XX/XXXX who wasn't looking into my case but was providing answers, then looked into the wrong case, then hung up the phone. I hate filing these complaints and don't want to do so any longer. I do everything I can to work with you before filing these complaints and shouldn't have issues like this. A majority of your offshore members are horrible and we shouldn't be taking 20 min to verify our personal information, be transferred to managers, etc. only for agents to hang up without any option to call cardholders back. 

2. I called in on XX/XX/XXXX under confirmation XXXX for your team to submit a tradeline reinsertion request to XXXX for my authorized user, XXXX XXXX, for my card ending in XXXX. The card is not being reported. I am well aware that it could take 30-60 days for credit bureaus to reflect changes, but I simply called in to confirm that your team submitted this tradeline reinsertion request specifically, and to please give the date that it was submitted so I can track with the credit bureaus. Again, as I made clear on XX/XX/XXXX, I am NOT looking for your to push through an off-cycle report or any of your usual reports, but to submit a manual tradeline reinsertion request as this account has been problematic for more than several months and to confirm the same. When I filed this on XX/XX/XXXX, I was told that I would receive a letter in the mail or email by yesterday, and I did not, which is why I called in today. 

XXXX. I removed the same authorized user, XXXX XXXX, from my card ending in XXXX and asked that an off-cycle report be pushed so that it can show as terminated on her credit report. I was told this would also be done on XX/XX/XXXX but have not heard anything regarding the same. Please confirm.

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 2025-02-25 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/year> I sent a disbute letter formally notifing Midland Credit Management ( MCM ) that their attempts to collect on the alleged debt are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. They responded back ignoring the arbitration agreement with XXXX XXXX XXXX XXXXXXXX. 

MCM is unlawfully attempting to collect on a debt despite the presence of a mandatory arbitration clause in the original XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
The arbitration agreement, which governs all disputes related to this account, states : You and we agree that either you or we may, without the others consent, require that controversies or disputes between you and us ( all of which are called Claims ), be submitted to mandatory, binding arbitration. 
Furthermore, the agreement explicitly states that arbitration applies to " any collection of debt related to your Account. 
Despite this clear contractual obligation, Midland Credit Management has : Sent collection notices. 
Reported the alleged debt to credit bureaus. 
Continued collection efforts despite my demand for arbitration. 
This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-02-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : SEQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation