vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: AR

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-06 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: GA

Complaint narrative:
The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report.

As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2.

I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately. 
To support my claim, I have attached the following documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) I expect your investigation to comply with the 30-day timeline stipulated under the FCRA. Please provide me with the results of your investigation in writing, and if this item is not corrected or removed, I request a detailed explanation of why it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information XXXX fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under XXXX XXXX XXXX XXXX. 
I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the XXXX late payment entry be removed immediately. 
To support my claim, I have attached the following documents : Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) I expect your investigation to comply with the XXXX timeline stipulated under the FCRA. Please provide me with the results of your investigation in writing, and if this item is not corrected or removed, I request a detailed explanation of why it remains on 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-06 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: MS

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 account listed without my expressed written consent.

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 2025-01-06 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: MS

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
* Account Number : XXXX Account name : XXXX XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under [ XXXX XXXX XXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. 


I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im making a statement I requested a 10-99C form which I was denied of which I the consumer should have received it, but Im held responsible to pay this alleged debt. XXXX XXXX  has this account ( XXXX ) on my credit report as charged off with a balance of {$930.00} according to the FCRA If there are errors or discrepancies in how the charge-off was reported, you have the right to dispute this charge off account is reporting inaccurate this charged off account is debt thats been paid off. 15 U.S. Code 1681e ( b ) is a part of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to ensure the accuracy of consumer reports. This section states that CRAs must : Follow reasonable procedures to ensure the accuracy of consumer reports, Conduct reasonable reinvestigations of disputed information.These procedures should ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information. I respectfully ask for this account to be deleted from my credit report as it is ruining the worthiness of my credit. 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Procurement of consumer report for resale. Experian is responsible for furnishing my report with information thats not 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Ive reached out to XXXX XXXX to get collections and inquiries off my profile that were wrongfully submitted I never consented any allegations thats on my report these are all fraudulent and I want them deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: KY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my 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 explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
Amex gift card gifted to me for {$300.00}. Card has been declined at every store, online and in-store, that Ive tried . 

Amex customer service was of no help, sent me to an outsourced customer service company in XXXX who told me its being declined from my protection and offered no solutions. 

Researched and have seen this is a known issue by many customers who have encountered the same problem. I would just like my funds that Ive been gifted and shouldnt need to jump through hoops and hope/pray that it finally works somewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against Truist Bank for the abrupt and unjust closure of my personal and business accounts without any prior notice or adequate explanation. The details of my accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I opened these accounts to facilitate the efficient management of finances for my medical practices, XXXX XXXX XXXX and XXXX XXXX. Despite my longstanding relationship with Truist Bank and my prompt reporting of a fraud incident involving unauthorized transactions through XXXX and XXXX XXXX, my accounts were inexplicably blocked and subsequently closed. This incident has caused XXXX financial disruption, affecting my ability to meet critical obligations such as paying rent and securing a federal loan. 

I submitted all necessary evidence and documentation to both Truist Bank and the implicated platforms to address the fraud. Despite my cooperation, the bank 's decision to close my accounts without any warning or opportunity to discuss the matter has been profoundly unjust and damaging. 

To exacerbate the situation, I received a letter from XXXX today confirming that my account is clear and verified, and there are no outstanding issues. This further highlights the unjust nature of Truist Bank 's actions. 

I have attempted to resolve this matter directly with the following individuals and departments at Truist Bank without success : XXXX XXXX XXXX XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX  Truist Bank Consumer Affairs Department Despite my repeated communications, I have not received any response or acknowledgment of my grievances. Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that Truist Bank provides a satisfactory resolution. 

The unjust closure of my accounts has caused significant economic harm and disrupted my ability to serve my community through my medical practices. I urge the Consumer Financial Protection Bureau to take appropriate action to address this issue and hold Truist Bank accountable for their actions. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
I want to dispute inaccurate information on my credit report, including incorrect addresses and other variations of my details that are not accurate. The addresses in question are XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX, NJ XXXX. Incorrect Employer variation XXXX XXXX XXXX and XXXX XXXX XXXX. These details are inaccurate and do not belong to me. I am requesting their immediate removal from my credit report and I want an updated credit report, only accurate and verified information should be on my credit report. My current address is XXXX XXXX XXXX XXXX NJ XXXX, and my current employer is XXXX XXXX XXXX. Please fix these inaccuracies. Once these changes are made, I request written confirmation and an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Investment Retrievers, Inc.
State: LA

Complaint narrative:
In XXXX or XXXX, I co-signed a vehicle loan for my son through XXXX XXXX XXXX, with an outstanding balance of {$7100.00}. Recently, I have been contacted by Investment Retrievers Inc., which claims that this debt is now theirs and that I opened a new loan with them on XX/XX/XXXX. This assertion is not only inaccurate but also indicative of predatory practices within the debt collection industry ( Ok ). As someone who has relied solely on XXXX XXXX XXXX during the pandemic, I did not open any new loans during this period ; therefore, the allegations made by Investment Retrievers Inc. are unfounded and fraudulent.

The implications of such erroneous reporting extend beyond mere inconvenience ; they have significantly impacted my credit score. The Fair Credit Reporting Act ( 15 USC 1681 ) mandates accurate reporting of consumer information by credit agencies and creditors ( Ok ). The burden lies with Investment Retrievers Inc. to provide verifiable documentation proving that I indeed entered into a loan agreement with thema task they have failed to accomplish thus far. Their actions not only violate federal law but also contribute to a broader pattern of deceptive practices in the financial sector. 

Given these circumstances, I formally request the removal of this inaccurate information from my credit report to restore my name and mitigate further damage to my financial standing. It is essential for consumers like me to be protected against fraudulent claims that can tarnish their reputations and hinder their ability to secure future loans or credit ( XXXX XXXX XXXX ). My case underscores the necessity for stringent enforcement of consumer protection laws in order to preserve integrity within financial transactions.

Company response to consumer: Closed with explanation